The difference between a master policy and a condo unit policy

Regarding insurance from Great Michigan Insurance in the Marshall, MI area, there are two main types of policies for condo owners: a master policy and a condo unit policy. A master policy is typically purchased by the building’s association or management company and covers the common areas of a condominium complex like the lobby, elevators, hallways, stairwells, etc. It also covers any additions or improvements made to a condo complex and liability coverage in case of accidents. 

On the other hand, a condo unit policy covers individual units and their contents. This type of insurance generally covers damage caused by fires, storms, theft, and vandalism to personal property within the unit. This policy may also provide liability coverage for someone injured while inside an insured unit. 

Owners of condominiums need to understand the difference between these two policies to ensure they’re fully protected against potential damages or hazards they may face. While both types of policies are necessary for any homeowner living in a condominium complex, understanding which one provides which kind of coverage is essential to ensure your assets are safe and secure.

For more information, give us at Great Michigan Insurance a call today. We proudly serve the Marshall, MI area and would be happy to help you find a policy that meets your needs and budget. We work with both owners and associations and have precisely the policy you need to make sure you are covered in case of an accident. So don’t wait! Call today!

Assessing Your Life Insurance Policy After Divorce with Great Michigan Insurance in Marshall, MI

Divorce is emotionally draining for both parties and dividing assets can get ugly. With so much to worry about, many people overlook the role life insurance plays during divorce proceedings. However, it should be as big a priority as your other assets, as you need to protect your financial future.

When you chose your life insurance policy, you probably considered the financial well-being of your ex-spouse. After all, you were still married then, and you wanted to know they would be protected if something happened to you. That policy doesn’t magically change once you’re divorced, and there’s a lot to think about now that you are divorced. 

Finding an Insurance Agency That Puts Your Needs First

Before you move any further with the process of assessing your life insurance policy, you need to find an insurance agency that puts your interests first. At Great Michigan Insurance, located in Marshall, MI, we know this is an emotional and challenging time, and we are here to guide you through the process. With our expert team, we’ll help you understand the different types of policies available to you and ensure you have comprehensive coverage that protects you and your loved ones in the future. 

Protecting Yourself and Your Loved Ones in the Future

If you have been the primary provider for your family, your children and ex-spouse are likely to rely on your income to maintain their standard of living. While that might be the arrangement, you come to in life when you are no longer here.

Don’t wait to speak to one of our expert agents. Learn how Great Michigan Insurance in Marshall, MI can help you find comprehensive coverage by calling (269) 789-0909.

What is Liability Auto Insurance?

Wondering if you need liability coverage as part of a comprehensive auto insurance plan? At Great Michigan Insurance, we’re providing quality auto insurance to the people of Michigan. Part of our thorough approach includes liability, a type of legal protection that covers the buyer in the event of a lawsuit or a court case. Many on-road accidents go to court over the damages incurred, which is where liability insurance comes in. 

When Do You Need Liability Protection?

Liability is usually needed for businesses, particularly if a customer or an employee has suffered a bodily injury or experienced property damage of some sort. Aside from a business environment, drivers often get liability insurance in the event of an auto accident. On-road collisions are expensive, incurring hundreds or thousands of dollars in damages, medical bills, or wage losses. If an auto accident is severe or costly, one party might decide to sue a driver for negligence or malicious intent. If you drive regularly, it’s recommended that you find a liability policy as part of your auto insurance package. 

Getting Liability Auto Insurance in Marshall, MI

Great Michigan Insurance is a Marshall-based agency providing a variety of insurance types. When it comes to services, we design our insurance plans to suit every customer’s personal needs. Liability is just one of the many policies that we provide for auto insurance. Whether you’re a driver or a commercial trucker, your liability needs are covered. 

To hear more from our team of professionals, contact the agency at 269-789-0909. You can also email the agency at We’d love to schedule an appointment or answer any of your insurance-related questions.

Do You Need Commercial Insurance For a Mobile Business?

Insurance is vital for any business to protect owners from liability and losses. Mobile businesses of all types need commercial insurance to protect them from covered events. Anyone living in or around the Marshall, MI area can count on Great Michigan insurance to provide exceptional customer service to help them get the coverage they need.

Mobile Business Insurance 

All types of businesses, including mobile businesses, need insurance coverage. Commercial insurance is a broad term used to describe insurance for business purposes. However, specialty commercial insurance products are also designed to protect mobile businesses operating in various industries. Anyone considering opening a mobile business or looking for a new mobile business insurance policy should consult a qualified insurance agent to learn more about their options.

Individuals in the market for top-quality insurance for their business should stop in at our office and speak with one of our helpful and knowledgeable insurance agents. They can work closely with each customer to assess their current situation and offer common sense insurance solutions to cover current and future needs. We not only assist with policy selection and purchases, but we also provide support for any policy changes or claims. It’s a part of our commitment to exceptional customer service before, during, and after the policy purchase.

Reach Out Today 

Call or stop by our office today to speak to one of the insurance agents at Great Michigan Insurance. We proudly serve the Marshall, MI area and strive to provide the most compatible insurance options for our customers’ individual situations. Be sure to get the reliable coverage necessary to protect business owners from liability or losses related to unexpected events.

Tips to prepare your home for a storm

When preparing your home for a storm, you should take several essential steps. To help keep you safe, we at Great Michigan Insurance recommend that everyone in the Marshall, MI area follow these helpful tips when bad weather is on the horizon. 

These include ensuring the outside of your home is secured and all potential hazards like loose tree branches or broken windowpanes are taken care of. In addition, it’s vital to ensure that any exterior doors and windows are properly sealed to prevent water from entering your home. Additionally, it’s a great idea to clear gutters and downspouts of debris so that water can flow freely away from your house. Removing any items stored in the backyard or outdoor areas that may be swept away by the high wind is also important.

Inside your home, you should disconnect electrical apparatus damaged by a power surge, such as computers and TVs. You should also place valuable items in a safe location in case of flooding or strong winds. If you need to evacuate your home, ensure that you turn off the gas and power at the main switch when possible. Finally, ensure you have an emergency kit with supplies like food, water, flashlights, batteries, and a first aid kit.

By following these tips, you can rest assured knowing that your home is secure against potential damage caused by storms. Taking proper precautions can help protect your family and belongings from harm during severe weather conditions.

For more safety tips, call us at Great Michigan Insurance today. We proudly serve the Marshall, MI area. Stay safe!

What Umbrella Insurance Protects

If you want to get liability coverage that exceeds the limits of your current insurance policy, you might need umbrella insurance. Great Michigan Insurance is dedicated to offering umbrella coverage to the residents of Marshall, MI. Please find out more about this unique coverage by contacting us today. 

Umbrella Insurance Protection 

You may need more than the liability coverage offered by your current insurance to protect you in case of a liability claim. Sometimes the liability exceeds the coverage limit, which means you’ll be liable without umbrella insurance coverage. That’s why knowing if you potentially have excessive liability is important. The extra protection can prevent losses to the client. 

If you’re ready to explore umbrella coverage options and determine if you are in need, you can count on our team at Great Michigan Insurance to guide you through the process and help you understand what level of coverage you need. We can assess your risks and compare them to your current coverage, which tells us how to proceed. We then help you secure a policy that meets your needs. 

Reach Out Today 

If you’re interested in securing top-quality umbrella insurance coverage from a leading provider in the industry, you can count on Great Michigan Insurance, proudly serving the residents of Marshall, MI. We encourage individuals interested in securing umbrella insurance or any other insurance product to stop by our offices or call to speak to one of our knowledgeable agents. Our goal is to provide unparalleled protection and security for each client that meets and exceeds their needs. Don’t rely on your homeowners or commercial insurance coverage to protect you from liability claims if you have excessive risk potential. Reach out today to see how we can help.

Is it a good idea to get condo insurance in Michigan?

When living in the Marshall, MI area, owning a home is a great investment. If you are a property owner, you will always need to have the right insurance. For a condo owner, this includes having a condo insurance plan. There are multiple reasons why a condo insurance policy is a good investment for people that live here. 

Remain in Compliance

One of the reasons to always have a condo insurance plan is so you can remain in compliance with your requirements. Most people that are going to buy a condo are going to have various insurance obligations. If you choose to take out a mortgage, your lender will require coverage. Further, most home and condo associations require insurance. When you have the coverage, you will be in good standing with all such obligations. 

Protect Yourself

Having condo insurance is an effective way to protect yourself. If you purchase a condo, you will be making a big investment, and ensuring your investment is supported is important. When you have condo coverage, you will have support if you incur a loss due to damage or are named liable for various accidents. Ultimately, this insurance provides necessary coverage and peace of mind. 

You will always want to have proper insurance for your home. If you are a condo owner in the Marshall, MI area, you should consider obtaining a condo insurance plan. When you start looking for coverage, start with a call to Great Michigan Insurance. There are many choices to make when looking for this insurance and Great Michigan Insurance is a great resource. We can ensure you choose an ideal policy that meets your needs. 

Protect Your Loved Ones Future with Life Insurance

Have you thought about what would happen to your family if something happened to you? Would they be financially secure? The Great Michigan Insurance of Marshall, MI can provide life insurance to protect your family.

What is life insurance? It is a contract between the insurance company and a policyholder, where the insurance company promises to pay the designated beneficiary an amount of money upon the insured’s death. Based on the contract, terminal or critical illness could also force payment.

Life insurance protects your beneficiaries from the potentially disastrous financial losses that could result if the unmentionable happened. It would provide financial security, help to pay living expenses, pay off debt, and help to pay any medical costs or final expenses.

There are three types of life insurance:

  • Term life insurance is a simple form of life insurance. A premium is paid for a period of time, usually ten to thirty years. A cash benefit is paid to the beneficiary if death occurs during that time.
  • Whole life insurance is a policy that is guaranteed to remain in effect for the insured’s lifetime as long as the premiums are paid or to the policy’s maturity date.
  • Universal life insurance is permanent life insurance. The insured person is covered for their entire lifetime.

You typically pay much less for insurance at a young age. If you wait until age 40 or even 60, the price increases. As we age, the risk of developing health conditions increases, which could result in higher life insurance rates.

So don’t jeopardize the financial future of your loved ones. Make sure you have enough life insurance to ensure they can live as before you passed. The insurance professionals at Great Michigan Insurance of Marshall, MI can provide a quote or answer any questions you may have to get you started. Contact our team today.

Does auto insurance cover a rental car?

Vacations have been on hold for a few years, and it is finally time to get out and do those things that have been on your bucket list. Choose your hotels, book your flights and then get your reservation for a rental car. That is where the stress starts.

At Great Michigan Insurance in Marshall, MI, we are independent insurance agents who strive to educate our customers about auto insurance. We offer choices from the many carriers we have that will give you the highest level of service, coverage, and value. 

When booking your reservation online, you will need to put in your dates, the pick-up and drop-off locations, and your car type. That is the easy part. Now you need to start answering the insurance questions. It is tempting just to say yes and take the insurance that the car rental company offers, but it can double the price of your rental. Think of all the fun things you can do with that money if you don’t have to use it on insurance. The only destinations you can use your auto insurance are the US and Canada. 

Whether your auto insurance policy will cover a rental car depends on your coverage. If you have chosen to go with basic coverage, that is liability only. While that is necessary, it isn’t going to satisfy the rental car company. You need to protect their vehicle. To do that, you need full coverage, including collision and comprehensive coverage. You will, however, have to pay your standard deductible. 

You should also check the credit card that you plan to use for the rental. Many credit cards provide car rental coverage as one of their perks. 

Contact Great Michigan Insurance in Marshall, MI, when you have questions about your auto insurance coverage. 

How to Decide on Commercial Insurance Policies in Michigan

There’s a lot to consider for commercial insurance policies in Marshall, MI. Where is your business located? What type of business do you have? How many employees do you have? These factors play a role in deciding which commercial insurance policy is right for your business.

To help you make the best decision for your business, we’ve put together a list of things to consider when choosing commercial insurance policies in Marshall, MI:

Type of business:

This determines the type of coverage you need. For example, if you have a manufacturing business, you’ll need different coverage than a retail business.

Location of business:

This is important because it will determine your business’ risks. If you’re in a high-crime area, you’ll need different coverage than in a rural area.

Size of business:

This affects the amount of coverage you need. A more significant business will need more coverage than a smaller business.

The number of employees:

This will also determine the amount of coverage you need. The more employees you have, the more coverage you’ll need.

Great Michigan Insurance can help you determine your business’s best commercial insurance policy.

Standard Commercial Insurance Policies

Now that you know what to consider when choosing commercial insurance policies in Marshall, MI, here are some of the most common types of coverage:

Property insurance:

This type of coverage protects your business property from damage or theft.

Liability insurance:

This type of coverage protects your business from lawsuits.

Workers’ compensation insurance:

This type of coverage protects your employees if they’re injured on the job.

Product liability insurance:

This coverage protects your business from lawsuits if a product you sell causes injury or damage.

Business interruption insurance:

This coverage protects your business if it has to stop operations because of a covered event.

Great Michigan Insurance can help you find the right commercial insurance policy for your business. Call us today.