Michigan Health Insurance: Fact vs. Fiction

Considering buying health insurance in Michigan? It is important to separate fact from fiction and to learn the essentials when it comes to getting the best health insurance coverage for you and your family. 

Bachmann Insurance Agency in Flushing, MI can help you choose the best health insurance policy for your needs. 

Facts vs. Myths About Michigan Health Insurance

Myth #1. – Health Insurance is Too Expensive

Many Michiganders go without health insurance because they believe they cannot afford it. 

Fact: A licensed health insurance agent can help you and your family find a suitable health insurance policy to meet your needs and budget.

Myth #2. – Individual Health Insurance Plans Won’t Provide Me with Adequate Coverage

Another reason people opt out of individual health insurance is because they don’t think they will get adequate coverage. 

Fact: Individual health insurance policies in Michigan can include the same coverage as those of large group health insurance plans. 

Experienced health insurance professionals can teach you about the basics of Michigan Health insurance for individuals, groups, and families. A knowledgeable agent can help quell your concerns and protect your health. 

Get Michigan Health Insurance Today

Now that you know health insurance doesn’t have to be as daunting as it seems, the next step is to talk to a licensed insurance agent and get a quote. Knowledgeable insurance agents can help you make the best policy decisions, choose the right add-ons, and even offer options for bundling your health insurance policy with other insurance plans like auto insurance, home insurance, or commercial insurance. 

Contact a licensed insurance agent at Bachmann Insurance Agency in Flushing, MI to get a free quote!

Must Have Auto Insurance Coverage for New Drivers

As a new driver, you’ll appreciate the independence that driving offers in getting you where you want to go. Before taking off in your new car, however, you’ll need to make important decisions concerning auto insurance. Auto insurance is mandatory in Michigan, and the right policy will ensure you have adequate protection on the road. If you live in Flushing, MI or nearby communities, you can turn to Bachmann Insurance Agency for help in obtaining the coverage you need.

Importance of Insurance Coverage

Auto insurance isn’t one-size fits as different drivers have different protection needs. Oftentimes, new drivers are more prone to accidents due to their lack of experience on the road. Poor weather conditions, heavy traffic, lack of driving skills, and even nervousness can lead to an accident, resulting in injury or property damage. The right auto insurance coverage will ensure you’re protected against any eventuality, so you don’t have to pay for damages out of pocket.

Must-Have Auto Coverage for New Drivers

As a new driver, you want to ensure you have adequate coverage to protect you against accidents you may cause.

By law, Michigan requires that all drivers carry the following coverage:

  • minimum liability coverage to cover injuries to others in accidents you cause
  • personal injury protection (PIP) to cover your medical expenses in the event of an accident
  • property protection insurance (PPI) to cover damage to the property of others in accidents you cause

In addition to this coverage, you may want extra protection in the form of collision or comprehensive insurance to protect your vehicle or vehicle assistance in case of breakdowns on the road. We’ll review your coverage options with you and customize your insurance package to suit your unique protection needs.

We Are Here To Help

For quality auto insurance coverage you can trust, contact your Bachmann Insurance Agency agent in Flushing, MI today.  

Understanding Business Interruption Insurance

One of the biggest stress factors of running a business is avoiding financial losses due to unexpected interruptions. Fires, natural disasters, and other unforeseen events can drain a business’ finances, and replacing lost income can harm your monthly or annual profits. Therefore, to protect your business from the unexpected, it’s essential to have business interruption insurance in place.

What is Business Interruption Insurance?

Business interruption insurance encompasses various factors like income coverage, extra expense coverage, contingent business interruption coverage, and civil authority coverage. This financial support enables you to handle temporary relocation expenses, payroll, loan payments, and taxes. Essentially, it’s a safety net during challenging times that minimize the impact on the overall financial stability of your business.

What is the Duration of Business Interruption Insurance?

The duration depends on the terms outlined in your policy although the standard period is set at 30 days, although it can be extended to 360 days through an endorsement. The period is defined as the time from when the incident that forced the interruption to your business. It usually lasts until the damage is repaired and your business is restored to its pre-disaster condition. 

How do I Choose the Right Plan?

Like many things in your business, seeking professional guidance is better than handling the process yourself. You shouldn’t have to learn the ins and outs of commercial insurance to determine a plan. Instead, Bachmann Insurance Agency in Flushing, MI is here to help you with all your commercial insurance needs and help you account for the unexpected. 

Reach Out To Us!

Contact Bachmann Insurance Agency in Flushing, MI today to learn more about business interruption insurance coverage today. 

Do I Need Home Insurance If I Don’t Have A Mortgage?

If you take out a mortgage to purchase a home in Flushing, MI, your lender will almost certainly require you to purchase homeowners insurance. But what happens when you’ve paid off the loan? Do you have to maintain your coverage? 

Homeowners insurance is not intended to be a means for a mortgage lender to charge you additional money. It’s an essential piece of insurance that will cover your home, valuables, and overall financial security from a plethora of damage hazards and other obligations. That is why you must keep coverage even after you have paid off your mortgage.

Here at Bachmann Insurance Agency, we’re more than happy to help answer your question. Here are a few reasons why a home without a mortgage still needs to be insured. 

Mortgage-Free Homes Are Still Valuable 

Just because you don’t have a mortgage doesn’t mean your property isn’t still a valuable investment. After all, you’ve spent years paying off the mortgage, maintaining it, and improving it, and you want to be ready to repair or rebuild your house in the event of a catastrophe. You may not have the resources to do so if you do not have homeowners insurance. 

Damage can still be costly. 

Home insurance can assist any owner in receiving financial support for the costs of a variety of devastating occurrences like fires, bad weather, or vandalism. As a result, if a major windstorm damages your roof and siding, your home insurance can pay for the necessary damage rather than leaving you to deal with it all on your own. 

Home Insurance Is About More Than Just Damage 

Finally, home insurance is more than just coverage for the value of your property. It can protect against a range of additional cost issues by providing various other benefits: 

Possession coverage insures your possessions in your house in the event of loss or damage.

Living expenses coverage will assist you with paying for food, hotel, or other bills that may emerge as a result of an injury that compels you to temporarily relocate from your home.

Liability insurance protects you and your family if you cause property damage or injury to someone who does not reside with you. As an example, if you hit a baseball through a neighbor’s window and into their china cabinet, this coverage may assist you in recouping your damages. 

Reach Out To Us!

If you have any questions about home insurance in the greater Flushing, MI region, contact us at Bachmann Insurance Agency today to figure out a home insurance policy that meets your needs as a homeowner. We’re here to help however possible and are ready to create your quote today!

3 Tips to Get the Most Out of Your Health Insurance Plan

You want to protect your and your family’s health and well-being. So you’re looking for health insurance that will protect you against major financial losses caused by a covered medical event. Residents of Flushing, MI can turn to Bachmann Insurance Agency for assistance in locating the best health insurance options.

Here are a few tips to help you get the most out of your coverage:

Conduct Policy Reviews on a Regular Basis

You may believe you understand your coverage, but policies can change. Make an appointment with your insurance agent for an annual policy review to ensure you understand what is covered. This way, you’ll know exactly what your insurance covers in the event of a medical or health emergency.

Take Advantage of Preventive Care

Even high-deductible policies typically cover preventive care screenings. This means you won’t have to pay for screenings like blood pressure, diabetes, and cholesterol checks out of pocket. To protect your health, these policies typically include flu shots and breast cancer screenings.

Keep An Eye Out For Perks

Some policies include benefits. Check with your insurer to see if you can get discounts at your local gym, for example. You may also be eligible for discounts on unnecessary procedures that improve your quality of life. Massages and LASIK surgery are examples of this. Talk to your Bachmann Insurance Agency agent today to ask about any potential perks.

Give Us A Call

Bachmann Insurance Agency in Flushing, MI has agents who can discuss all your health insurance needs and help you find the policy that best fits your needs. Contact us today to find out which policy is right for you.

How to prepare your car for winter

As winter approaches here in the Flushing, MI area, it’s important to make sure your car is in top shape, so you’re prepared for the colder weather. Bachmann Insurance Agency is happy to assist.

Here are a few tips from us on how to get your car ready for winter:

1. Check the battery:

Cold weather can affect the performance of your car battery, so make sure to test it ahead of time. If you find that it’s low on power or needs to be replaced, do so as soon as possible. 

2. Replace windshield wipers:

Replace old and worn-out windshield wipers with winter-grade ones; they will work better under cold temperatures and remain flexible enough to perform their job properly. 

3. Change oil:

Have your oil changed before winter comes around; this will help keep the engine running smoothly during the cold months ahead and reduce wear and tear on the engine. 

4. Check tire pressure:

Make sure that all your tires are inflated correctly according to their manufacturer’s recommendations – lower pressures in cold weather can cause you to lose traction while driving on icy roads. 

5. Winterize other fluids:

Also check other fluids such as brake fluid, coolant, power steering fluid, etc., and replace them if necessary.  

Get Auto Insurance Today

All these steps will help prepare your car for winter and ensure that you stay safe when driving during this season! For more tips, or if you have any questions about your auto insurance policy, give us at Bachmann Insurance Agency a call today. We proudly serve the Flushing, MI area and would be happy to help you find a policy that meets your needs and your budget.

What is a BOP?

Business owners who live in Flushing, MI are not required to have commercial insurance except for worker’s compensation coverage, paying for laborer injuries, lost wages, and alternate job training when they are hurt at work. 

Nevertheless, business insurance is an indemnification that many entrepreneurs choose to buy for the benefits it confers, in addition to protecting businesses from significant financial loss. 

What is a BOP?

A BOP, or business owner’s policy, is a group of insurance products that are bundled together for the convenience of customers. Depending on the line of work you are in, there are often perils that most frequently occur within your industry. The function of the BOP is to streamline these services, and your Bachmann Insurance Agency representative can go over the details of your situation. 

If you own your own building, it’s important to insure the contents of the edifice, as you may be housing raw materials that are needed for your offering. In addition, the equipment you depend on to create an income can be destroyed if, for example, your warehouse were to go up in flames or be subject to an electrical surge.

You may also have more than one location to insure, and you have the option for business interruption coverage that helps provide income in the interim between the disaster and recovery. 

The general liability portion of this combined coverage will typically indemnify you in scenarios where you’re found responsible for damaging someone else’s property or injuring someone. Additionally, if your advertising causes harm, it can help provide redress. 

Bachmann Insurance Agency Provides Insurance Solutions

We help create insurance packages to meet every criterion for your life situation, and we are available to speak more in-depth with you online, by phone, or in the office. We serve those living in and around Flushing, MI. 

How to prepare your home for a storm

Bachmann Insurance Agency specializes in home insurance and has assisted the great Flushing, MI community with their insurance needs over the years. Our clients often reach out to us asking for general tips or related queries, especially before or during adverse weather conditions. When a storm is headed your way, it’s important to take the necessary precautions to protect your home.

Here are five tips to help you get ready for a storm:

1. Insulation

Make sure your home is well-insulated to keep the cold out. This will help prevent drafts and leaks, which can allow rain and snow into your home during a storm.

2. Storm windows and doors

Install storm windows and doors to further protect your home from strong winds and heavy rains. These will help keep the elements out while letting fresh air in, helping to regulate the temperature inside your house during a storm.

3. Trim back the trees

Trim trees and shrubs around your house, so they don’t fall on it during a storm. Falling branches or even entire trees can cause serious damage to your property, so it’s important to take this step well before any storms are expected in your area.

4. Buy a generator

Get a generator in case you lose power during a storm. This will allow you to continue using important appliances like the refrigerator and lights, so you can stay comfortable and safe even if the electricity goes out during a big storm.

5. Fill your pantry

Stock up on food, water, and other supplies that you may need in case of an emergency. This will help ensure that you’re prepared for any unforeseen events that might occur as a result of the storm.

Get Insurance Coverage For Your Home

If you have any questions about how to protect your home, give us at Bachmann Insurance Agency a call today. We can help you get or update your home insurance so you can better protect your home. We proudly serve the Flushing, MI area. 

Health Insurance Provides Affordable Care – Don’t Be Without It!

We all know that accidents or illnesses can befall anyone, at any time, at any age. Make sure you have the health insurance protection you need to help with the expenses of such an event. The professionals at Bachmann Insurance Agency, serving the Flushing, MI area, can provide you with a quote for this important protection.

Here is a list of the services that are typically covered by a health insurance policy:

  • Behavioral health treatment
  • Chronic disease management
  • Emergency services
  • Inpatient hospitalization
  • Laboratory services
  • Maternity and newborn care
  • Mental health and substance abuse disorders
  • Outpatient ambulatory services
  • Pediatric services
  • Prescription drugs
  • Preventive and wellness services
  • Rehabilitative services

Health insurance protects you from unexpected medical costs that can arise at any time. Did you know that a broken leg can cost as much as $20,000 to treat? If you have a policy with a $1,000 deductible, you will pay that amount and the insurance plan will pay the other $19,000.

The cost of cancer treatments or other serious diseases can destroy your finances. Why allow that to happen? Health insurance can protect you from financial devastation.

Get Coverage For Your Health Today

Think of health insurance the same way you think of automobile or homeowners insurance. It offers financial protection in the event that some catastrophic event happens. While you will have a deductible to pay, health insurance makes it easier to pay for the portion of the bill you are responsible for, while enabling you to get the care you need.

Experts agree that health insurance is one of the most important coverages you can purchase. Don’t let mounting medical expenses ruin your financial future. Purchase health insurance today. Let the professionals at Bachmann Insurance Agency in Flushing, MI answer any questions you may have to get you started. Contact us today. We will be glad to help. 

What is the benefit of having an auto insurance plan in Michigan?

If you are in the Flushing, MI area, it will be very important that you own a car. When you are looking for a new or used vehicle here, you also need to get the right insurance for it. A quality auto insurance policy will provide you with various benefits that will make it well worth the investment. 

Why Auto Insurance?

Comply with Law

One of the reasons that you will want to have an auto plan when in this state is so you can comply with state law. Anyone that wants to drive a car in Michigan will be required to carry auto insurance. At a minimum, you need to have liability coverage, which ensures you will be able to pay for damages if you cause an accident. Without this insurance, you could face penalties.

Protect Your Vehicle

it is also important to have an auto insurance plan to ensure you are able to protect your vehicle. If you are going to purchase a car, you will want to know that it is covered. With auto insurance, you will have support if your car is damaged in an accident or stolen. A full comprehensive plan with this coverage tends to also be required if you have taken out an auto loan. 

Give Us A Call

As you are looking for ways to protect yourself and your vehicle in the Flushing, MI area, getting a quality auto policy is a good idea. There are many choices to make when looking for coverage, so speaking with someone experienced is important. The professionals with the Bachmann Insurance Agency can help you build your next auto plan. Bachmann Insurance Agency is able to do this by carefully assessing your situation to help you build a plan that meets your needs.