Wisconsin-Michigan Insurance Agency specializes in all types of insurance protection. We meet the needs of our customers with reliable and affordable insurance plans. But that's just the beginning. Our customers know that with WI-MI Insurance, they not only recieve great value, but great service too.
There's more too: we offer discounts for customers who stay with us three years or more and discounts for good students. Not all customers' needs for payment plans are the same, so WI-MI Insurance gives premium payment choices.
Some customers pay monthly, some pay the full premium up front, and others pay amounts in between. Many of our customers prefer our Flex Check option, for automatic transfer of funds from their financial institution.
As millions of Americans host and attend holiday parties across the street or across the country, many may be unaware of the risks. According to Trusted Choice® independent insurance agents, party hosts need to understand their responsibilities when inviting others into their homes and serving food and drinks.
The holidays are a time for celebration and family. Most people have a few extra days of vacation to relax, and some use this time to play catch-up or finish projects that have been looming for the past year.
While there may be no place like home for the holidays, your Trusted Choice® agent hastens to remind you that persistent myths about home safety cause unnecessary home dangers.
With spring cleaning far behind, and summer fun all but over, it’s time to start fall home maintenance.
Trusted Choice® agents and consumers offer the best safety practices for families during Halloween
Cyber bullying, a recent phenomenon that has coincided with the growing use of Internet and mobile devices, has tragic consequences for children, their families and communities across the world. As cyber bullying has become more common, it is important for parents to understand both its nature and how to be more hands-on when it comes to prevention.
Add a new custom to the October traditions of Halloween candy, costumes and setting back your clocks: The end of Daylight Savings Time is the perfect time to change the batteries in your smoke alarms and to check the readiness of your fire extinguishers.
As hunting season comes to a head, many professionals are gearing up to find game for the holidays. Whether a professional or amateur hunter, you can never be too safe. Here are a few tips on doing that!
If you are going through a divorce, talk to your Trusted Choice® Independent Insurance Agent about the proper steps to making your insurance changes.
The concept of sightseeing no doubt predates the invention of the wheel. The cave man equivalent of “Kilroy was here!” has been discovered from the highest mountaintops to the deepest caves. When the weather is right and the mood strikes, there is clearly something in humans that cries, “Road trip!”
It is that time of year again! Uniforms are laid out, lunches are packed, and school buses are on the road everywhere. As the school year begins, you may think, you have everything in order, but here are a few things to consider adding to your Back-to-school list of things to do for children at every age:
Trusted Choice® Independent Insurance Agents are here to help you and your soon-to-be college student.
The open road should be the only thing on your mind when you’re on your bike this summer. Trusted Choice® Independent Insurance Agents understand that anything can happen, and can answer questions you may have about protecting your bike, yourself, and anyone else.
You don’t have to search far to find a story about the numerous dog bite incidents that happen in the country each year. While our cuddly companions are often considered a member of the family, they may not be as friendly to strangers. That said, our furry friends should be insured for the same reasons a young driver is insured- just in case there’s an accident!
A home away from home is what most renters look for during summer vacation. The perks of more space and privacy in a vacation home are invaluable, but if a disaster like theft or fire strikes, replacement damages can be very costly.
According to the US Consumer Product Safety Commission, 60% of all fireworks injuries occur around July 4th. While these loud bursts of light and color add flair to celebrations, it should be remembered that fireworks are explosive devices and must be handled with care.
Moving generally indicates an exciting time of transition and life change- whether it’s moving from the parents' basement to a first apartment or parents downsizing because the kids have all moved out. Whether you’re handling the move yourself with the help of friends and family or whether you hire professional movers, moving can be as stressful as it is exciting, and one way to relieve some of that stress is knowing that your possessions are protected during the transition.
Getting married and embarking on a new life together is one of the most exciting experiences in two people’s lives. It’s a time of hope, promise, romance and … reality. Whether a couple is planning their wedding or deciding where to live, there are a lot of decisions to make before saying “I do,” especially when it comes to insurance.
Here comes summer, and that means swimming pool season. Kids are breaking out the water noodles and beach balls. Adults dream of sunning on the poolside lounge or getting in a few laps. Your Trusted Choice® independent insurance agent may like an afternoon at the pool, too, but also wants you to enjoy lounging in the water, not waiting in the emergency room. Pool-related injuries send unfortunate thousands to the emergency room every year.
The answer may be “Blowing in the Wind,” but the question is, “Are You Ready?” No, this is not a game show category about the songs of rock bands Dylan and Grand Funk, but a serious question: If a hurricane strikes, is your disaster plan in place?
Ahhh… Summer vacation, long holiday weekends…Travel- whether you’re hitting the road, hopping a plane or taking a cruise, you’re (hopefully) out relaxing and having fun! But what happens if your trip is interrupted by inclement weather, or an unexpected illness? Travel insurance and specialty medical coverage can give you peace of mind from the moment you book the flights.
If you’re a parent with teenagers you know that the prom is a special night for your teen, and while you want them to have a fun and memorable night with their friends, you also want to make sure they stay safe. If your teen is driving on prom night or riding with a friend who is driving, here are three things to discuss with your teen before the big night:
As a small business owner, you know the importance of preserving your assets. For many business owners, the largest single asset they possess is their building. Whether you occupy the building or operate as a landlord (or both), consider key exposures in your risk-management and insurance planning.
Insurance comes in a wide array of choices for a variety of consumer and business needs. Even the best-educated consumer who spends time researching insurance issues will come across a topic he or she doesn’t understand.
There are a wide variety of April Fool’s Day jokes out there- from telling people that dihydrogen monoxide is coming out of the sink (dihydrogen monoxide is the chemical name for water) to aluminum foiling your bosses office (not that Trusted Choice endorses such pranks, mind you). But one thing you should avoid falling for is being told that carrying only the state mandated minimum coverage is adequate auto insurance protection.
It’s a rite of passage for college students to don cap and gown and march across the stage for graduation ceremonies- in fact, according to the National Center for Education Statistics (NCES) almost 1.8 million students will graduate with a bachelor’s degree in 2013. As those 1.8 million make the transition from undergraduates to careers, pursuit of advanced degrees or back into mom and dad’s basement, it’s critical that they understand how walking across the stage may have changed their insurance needs.
Floods are often associated with rivers and streams overrunning their banks, or with heavy rains from hurricanes and other major storms, and while those are very real hazards, the reality is that flooding can be caused by a number of factors that you may not have considered. One factor to consider when evaluating your risk of flooding is development and new construction in your area.
As Benjamin Franklin said, “…in this world nothing can be said to be certain, except death and taxes.” While we all know that April 15th is the day our taxes are due, death has a way of sneaking up and surprising us. When a loved one dies there are many issues that their family and friends are left to deal with, but as family and friends settle their affairs, one important question should be asked: What happens to the insurance policy on the house when the owner dies?
Congratulations! You’ve got your degree and you are ready to take advantage of the exciting new opportunities life has to offer. However, with new opportunities come new risks—particularly financial risks. Insurance is your major protection against financial risks, and knowledge about basic insurance facts can make you a better consumer.
Jealousy. Passion. Betrayal. No, not the hottest television drama, but high school. For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point everyone probably said something in their teen years in the heat of the moment that they now wish could be taken back, but today’s teens face the added burden that if they convey those statements on social media sites like Facebook and Twitter, their words could be around for a lot longer than just the heat of the moment.
March 3-9 is National Severe Weather Preparedness Week, and as we move from winter into spring, spring rains coupled with melting snow and ice can increase the risks of flooding, and it’s not just those in high risk flood zones who are vulnerable. Here’s some information on evaluating your flood risk and how you can protect your home with flood insurance.
At the mention of umbrellas, you likely think of protection from falling water drops. Your Trusted Choice® independent insurance agent would like to remind you the proper “insurance umbrella” could also protect you from a “rain” of lawsuits. Personal liability claims against homeowners and drivers are increasing in frequency and severity. The question is simple: Are your current limits of liability on your homeowners, boat, and personal auto policies adequate?
This April, Trusted Choice, will collect frequent flier miles to help Make-A-Wish get wish kids and their families where they need to go. Many major airlines – including Delta, United and US Airways – enable their frequent flier members to donate to Make-A-Wish. And donated air miles never expire!
Technology is tearing down the walls between our working and personal lives. Nearly one in four employed Americans reports working from home for some portion of the work week, according to the U.S. Bureau of Labor Statistics. To that telecommuting population, add the self-employed with home offices, the regular working denizens of internet-enabled food establishments, and those citizens who can’t resist checking work messages via tablet or phone even while at social occasions and the number of employees who work away from the traditional office may approach 100 percent.
Earlier this month Trusted Choice® asked fans on Facebook what questions they had about insurance and what they would like to know more about when it comes to coverage and price. Responses ranged from “what to do after an accident” to “Am I covered if…,” but far and away the question on most people’s minds was “How can I save money on my insurance?”
In December of 2010 the roof of the Hubert H. Humphrey Metrodome in Minneapolis, MN, a nationally recognized sports venue, collapsed due to heavy snow accumulation and severe winter weather. Snow and ice accumulation can cause several potential problems for you, so here are some things you should know about snow.
Okay, we know life insurance doesn’t rate as high on the “Romance Meter” as Elizabeth Barrett Browning’s iconic sonnet or even the classic movie line, “You had me at hello.”
Do you have the winter time blues? Cabin fever? Looking for a way to pass the time? Why not take a few minutes if you’re stuck inside this winter to make a home inventory? If disaster strikes or your home is burglarized and your belongings are destroyed or stolen, a home inventory makes the insurance claims process a lot simpler.
When staying home is not an option and you must brave winter roads, your Trusted Choice® independent insurance agent advises you to remember the ageless moral of the tortoise and hare: Slow and easy wins the race.
Some people vow to exercise more, or to quit smoking or to read more books, and these are all admirable New Year’s resolutions. But what about resolutions that help provide you with peace of mind, more protection and a little more money in your wallet? Trusted Choice ® Independent Insurance Agents encourage you to review these three straightforward “insurance resolutions" that can help you start 2013 on the right foot:
Are you one of the people from the car commercials who will find a surprise in the driveway with a big bow on it Christmas morning? For most of us, the answer is probably not, but just like you’d insure a new car, you may want to look into insuring some other gifts this holiday season. Certain gifts, such as cars, obviously require their own insurance policy, but sometimes it’s not always as clear.
A cute puppy or cuddly kitten may seem like a good idea when you're at the pet shop, but Trusted Choice® independent insurance agents recommend considering the risks and liabilities you may also be bringing home.
On Monday night, millions of people will ring in the New Year with friends, family, and loved ones. However, amidst all the festivities, toasts, and celebrating, safety can quickly take a backseat to a good time – especially when alcohol is added to the mix. Impaired driving be deadly but alcohol related crashes cost more than $37 billion annually, according to the National Highway Traffic Safety Administration.
Who is liable if a holiday guest gets food poisoning or drives home drunk? As millions of Americans host and attend holiday parties across the street and across the country, many may be unaware of the risks they may be taking. Party hosts need to understand their responsibilities when inviting people into their homes and serving food and drinks.
Recently cyber-attacks were back in the news, and the latest attempted victim was the White House. According to an October 1st report from the Washington Post the White House acknowledged that hackers attempted to remove data from a White House computer. While the attempt wasn’t successful thanks to mitigation efforts, the attack should serve as a reminder to all small businesses that they face risks of similar attacks from data thieves, and they may not have the same level of mitigation systems in place.
America has just come through a hard-fought election, with negative attacks and mudslinging on both sides. But compared to some of the political disagreements of the past, one might say today’s elections are relatively tame affairs.
Approximately 30 million people will celebrate the holiday tradition of buying and decorating a real Christmas tree this year, and thousands more will adorn artificial trees. With such high-value items present, a house fire originating from a Christmas tree can often result in thousands of dollars in losses, even if the fire is localized.
It’s the season of giving, but don’t give away personal information to identity thieves! Between crowded big box stores, packed mall parking lots and long lines, more and more Americans are doing their holiday shopping online. While this has become a tremendous convenience for many people, it comes with a few risks. Here are six ways to make sure your online shopping experience is a jolly one:
For many Americans, scouting the perfect Christmas tree, whether at the local lot or a rural tree farm, is a treasured holiday tradition.
Thanksgiving is over, and the holidays are in full swing, which means stores and malls are bustling with holiday shoppers looking for presents to put under the tree. While some people enjoy the adventure of going from store to store in search of that perfect gift, others seek refuge from the holiday crowds by buying their gifts online.
Malls and shopping centers will be jammed this holiday season. Unpredictable traffic patterns and preoccupied drivers cause thousands of parking lot mishaps that cost consumers millions of dollars each year. Parking lot safety is especially important during the holidays. Consumers should be particularly cautious about where they park because parking lots are also prime territory for thieves, pickpockets, carjackers and vandals.
The day after Thanksgiving, also known as Black Friday, is the biggest shopping day of the year. When it comes to cashing-in on the day’s deals, the motto is “If you snooze you lose.”
The Los Angeles Times calls it “Black Wednesday” and Miller Lite refers to it as “Beersgiving.” Both are referring to the Wednesday night before Thanksgiving, which has become for many people 21 and older one of the most popular nights of the year to go out and reconnect with friends from high school as they travel back to their hometowns.
In 2011, fire departments in the US responded to over 1.3 million fires that resulted in 3,005 civillian deaths and over $11.6 billion in direct property loss, according to the National Fire Protection Association. As part of National Fire Prevention Week, Trusted Choice® independent insurance agents offer the following fire prevention and preparedness information:
Is your home ready for winter weather? Many consumers don’t realize that lack of preparation could mean unwelcome home damage and unexpected repair expenses. To help families and businesses protect themselves against winter risks and enjoy the season, Trusted Choice® offers tips that can help families prepare for risks and hazards that may come during the winter months.
According to statistics from the National Survey of Family Growth, over the past 30 years more and more people live with someone with whom they have a relationship with prior to or instead of getting married- including about half of all men and women under 44 in the most recently available data. No matter the reason, living with your partner when you aren’t married can present some unique (but not impossible!) challenges to making sure you both have the right insurance coverage to protect your belongings and your liability.
Thanksgiving is near and visions of fried turkeys already are dancing in more than a few heads. Yet even as you are salivating, your Trusted Choice® independent insurance agent hastens to caution you.
The holidays are a popular time of year to travel – whether it’s to visit family and friends, relax on the beach, or hit the slopes – but taking a vacation during this time of year often means hauling a lot of extra luggage, such as skis, golf clubs, and holiday gifts. The chance of your luggage getting lost or stolen isn’t high – less than one percent of travelers reported mishandled luggage, according to the U.S. Department of Transportation’s 2009 Air Travel Consumer Report. Yet baggage-handling accidents and thefts do happen, which is why it’s important to have the proper insurance in place before your depart for your destination.
No doubt that music video just begs to be shared with your friends. That latest song will be perfect as the soundtrack for your slide show. And look here—a link to that blockbuster that’s still in theaters! Best yet, all yours for the downloading and all free! You gotta love this Internet!
Halloween is just around the corner and many consumers may not realize how scary this ghoulish night might really be for their personal safety, their property…or their pocketbooks. Trusted Choice® independent insurance agents can help families better prepare for Halloween hazards that may come in disguise or under the cloak of dark.
How to insure a teenager’s car has got to be one of the most common questions Trusted Choice ® independent insurance agents get asked year after year. Should parents title and insure a teen driver’s car separately from other cars in the household? This is normally done with an eye to save some premium dollars and to reduce potential liability for the parents- at least on the surface. The reality is that insuring a teen driver’s car separately can actually open some pretty big gaps in coverage that a parent may still find they’re liable for. So here are a few things to consider when deciding whether your teen should have their own policy:
Whether by a diligent insurance agent, concerned spouse or family member, chances are you have been asked this question: “Do you have life insurance?” For some, life insurance is easily obtained on a group plan as a workplace benefit. Those without this option must purchase life insurance individually on an open market. The life insurance marketplace is highly competitive and there are many products available for purchase. While the vast selection is a good thing for buyers, it can contribute to anxiety for those not sure which type of life insurance is best for them.
There are times when man’s best friend becomes his worst nightmare. While many dog owners cite “security” as the reason they keep canines, less than 1% of those bitten by dogs are unlawful intruders. A majority of victims—more than 70 %—are children.
Travel- whether you’re hitting the road, hopping a plane or taking a cruise, you’re spending some time away from home and usually are spending some money to do it. But what happens if your trip is interrupted by inclement weather, or an unexpected illness? Travel insurance and specialty medical coverage can give you peace of mind from the moment you book the flights or start the car.
Sixty years ago, when the 1950 census data was released, it showed that eight in 10 households were occupied by married couples. Fifty years later, the 2000 census data showed that number had declined to just over 50%, signifying a sea change in the typical American household. Almost half of households were occupied by a single individual, roommates or unmarried couples (the 2010 census data is still in the process of being made public).
Some may view them as science fiction gone wild. Others see them as indispensable, possibly life-saving tools. Regardless of your feelings about Global Positioning Systems (GPS), they continue to occupy the dashboards of millions of U.S. vehicles each year. The pervasiveness and expense of the technology has drivers asking if their GPS systems are covered by auto insurance.
Old Man Winter will soon be unleashing his full fury. Is your home ready for the onslaught of snow, ice and cold winds? If not, the time to prepare is now, before the first storm strikes and your home suffers significant damage from the freezing temps and winter conditions.
How safe is private information when stored electronically? You may not want to know the answer to that question. But if you’re just a bit curious, consider visiting privacyrights.org/data-breach.
Ah, summertime, and the living is easy. Perfect for sitting in the shade out back with a cold drink. You may even decide this is the perfect time to finally add that deck, enlarge the patio for cookouts, or put in that new landscaping with a couple of strategically placed trees perfect for a comfortable hammock.
Do you own a condominium? To you, condo ownership may represent a feasible way to home ownership. Or maybe it represents a second residence in some exotic location you like to visit. Or maybe it’s an investment to generate rental income. Regardless of why you own, understand that insuring a condo is much different than insuring a traditional home.
Nine million. That’s how many Americans have their identities stolen each year, estimates the Federal Trade Commission.
Mobile information devices like PDAs and MP3 players occupy the bags and pockets of tens of millions of Americans. These devices can be pricey, often costing hundreds of dollars. The cost to obtain the information programmed on these gizmos can be exponentially more. If your portable device is damaged or stolen, will these costs be covered by your insurance?
As children return to school across the country, families know that can also mean a return to the practice field, whether through school sports teams or community sports programs and often parents may find themselves on the sidelines as a volunteer coach. It can be especially rewarding to teach children the skill sets of a sport or to impart important life lessons about winning, losing and sportsmanship, but volunteers should also know that being a volunteer coach may impact their personal insurance coverage.
As the fall approaches across the United States, millions of young people will embark on that great journey we call life on a college campus. Others entering their golden years and their families will consider the benefit of moving into an assisted living facility. Still others, uninterested in or unable to secure a home loan, will choose to move into an apartment or rental home.
As the first leaves hit the ground and those fall breezes turn from cool to cold, it’s time to prepare for winter. Whether that means snowstorms and ice or just the heavy chills many experienced in last year’s milder season, experts advise preparing your home for whatever Old Man Winter has in store.
Driving can open up new opportunities for teens but with those opportunities comes responsibility. It’s important for teens to understand those responsibilities and for parents to set appropriate expectations.
It’s after the wind blows or the fire burns. The insured is sifting through the rubble of what used to be his commercial building, looking for any savable scraps of what used to be.
Trusted Choice and Orange County Choppers teamed up to build an unbelievable bike - all for charity! Check out the pictures of the official Trusted Choice Orange County Chopper!
Who knew that when he wasn’t searching for his lost shaker of salt, singer-songwriter Jimmy Buffett was singing about hurricane preparedness? While hurricanes and tropical storms are often associated with the southeastern coastal United States, in 2011 Hurricane/Tropical Storm Irene caused significant damage in Vermont and upstate New York and, while they're more rare, Pacific tropical storms have impacted California as recently as 2009. As we enter the peak of hurricane season, here are tips for before, during and after a storm to help you prepare your home and family.
In 2007, the most expensive and rare baseball card in the world, a 1909 Honus Wagner tobacco card sold at auction for $2.35 million dollars. While most collectibles don’t come close to that kind of value, collections- whether it’s baseball cards, coins, stamps or art, tend to not only have sentimental value to their owner, but often financial value as well. If you own a collection, you’ll want to protect it. Here are a few things to consider when it comes to your collections:
While the great menu debate between hot dogs vs. hamburgers will likely rage on for years, one Labor Day barbecue idea is making sure you don’t get burned on your insurance coverage.
Fall is officially here, and with it comes the National Fire Protection Agency’s National Fire Prevention Week, Oct. 9 -15. This year’s theme is “Protect Your Family from Fire,” which makes now a good time to come up with a fire evacuation plan or review the one your family already has in place.
When students go off to college they usually take their computers, TVs, stereo equipment, most of their wardrobe, and anything else that they can cram into the car. Whether they’re taking all their worldly possessions or just enough to get by, they’ll need insurance to cover the things in their dorm room or apartment.
Labor Day weekend signifies the unofficial end of summer, the closing of swimming pools, and the start of the NFL and college football seasons. For a lot of people this weekend also means partaking in an outdoor culinary ritual known as grilling.
Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.
Because of her medical condition, Shawnee endures night sweats, shortness of breath and severe headaches. She’s determined to prevent her condition from defining who she is. Shawnee wants to be just like any of her friends. The Make-A-Wish Foundation offered to make her fondest wish come true, and Shawnee immediately wished for a shopping spree.
Two year-old Kiwi is a sweet little girl with a warm smile and twinkle in her eye. She lives at home with her mom, dad, and younger brother, Faun in Washington. She was born in Hawaii on the beautiful island of Kauai. When Kiwi learned she had the opportunity to have a wish come true, she knew that a trip to Hawaii would give her the calm and relaxing time she and her family needed.
There’s no roller coaster too big or fast. Leslie is ready to ride them all. Today, the theme park is all hers. It’s the day her wish comes true. Every exhilarating thrill ride takes her further from her worries – and lets Leslie feel like a regular kid.
From a chauffeured limousine ride to a relaxing facial treatment, it’s been Laura’s best-ever day of shopping. By the time she returns home, she has everything she needs. A new tablet computer will always keep Laura connected to her friends; her new clothes and jewelry make her look and feel her best … a great way to make a new start after her ordeal with Hodgkin’s lymphoma.
It’s another day at the hospital, another day of treatments. But William’s routine is no longer the same –today, he knows that his wish to go to Greece will come true. The anticipation is a deep well of focus, inspiration, perseverance. At last, he can think of what comes next, what he’ll experience after he recuperates.
The Make-A-Wish Foundation grants the wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy. Trusted Choice® aligned with the Foundation in July, donating $10 for every new ‘like’ to our Facebook page. The result – the Trusted Choice® Facebook page grew by 17,159 new “likes” during the month-long campaign, and we made a $171,590 donation to the Make-A-Wish Foundation.
Seventeen-year-old Jesús had never left Texas. He often dreamed of crashing waves and warm sand – peaceful and serene. But he had yet to see the ocean for himself. He had a clear vision of his wish: “I always pictured myself one day in the ocean with my family.” He wished to go to Hawaii.
Today is a 30-story "yes!" for Alan. Because of his fight against cancer, he constantly hears the word "no;" everyday is full of restrictions to protect his health and they keep him from living a regular kid's life. His wish frees him from every boundary.
Two-and-a-half-year-old Jeremiah suffers from spinal muscular atrophy. When his mother heard about the Make-A-Wish Foundation, she knew…this is what her son needs. She recognized the emotional healing power of making his wish come true. She understood how it could bring him comfort, despite living with around–the–clock nursing care. Jeremiah’s wish for a bedroom makeover continues to change his life today.
Jacob is speechless, in awe of the majestic creatures breaking the ocean’s surface. Watching whales in the wild is the highlight of Jacob’s wish to go on a cruise to Alaska. This wish is meaningful to his entire family of eight.
It’s Daynin’s seventh birthday party. She peers into a corral her father built. But it’s empty … she thought there might be a pony waiting inside to complete the farm at her Texas home. But it looks like her dog, duck and chickens will have to wait until another day for a pony to join them.
Tyler’s adventurous spirit led him to Hawaii. He wanted to experience as many “firsts” as possible. By the time he left Hawaii, Tyler had a long list of new experiences: first plane ride, first swim with dolphins, first zip line tour and more. The trip gave him a glimpse of what might be possible in his life – and a reason to seek out even more new thrills.
Cole and his family used to go camping every summer, but since he got sick it became more and more difficult. At his surprise party reveal, Cole and his family arrived to see their new camper set up and ready to go complete with camping accessories, a cake, and balloons.
Tiffany wished for her own escape from the challenges of her world. Today, she has an arts and crafts space where she can transform her imagination into reality. Tiffany exercises her creativity and turns this part of the world into her vision of perfection.
Balloons, gift cards, cake … today, “yes” is the word of the day for Benjamin. He tours the town in a limo, stopping at any store he wants. It’s the shopping spree of his dreams. He even gets his own battery-operated tractor so he can be “just like Papa.”
Before his wish, Matthew could only watch when his friends and family had fun playing video games – being quadriplegic, he couldn’t take control of a game console. Today, his new adaptive video game gear changes everything. Basketball, a few laps around the track, an arcade classic? Matthew can do it all – a great feeling that makes his life better every day.
A limo pulls up outside of the birthday girl’s house. Halayna’s eyes light up … she’s going shopping ALL day! A ballerina welcomes her at the mall to spoil her with gifts – stickers, a book, a tutu and top. Halayna’s wish day includes stops at all her favorite stores.
When preparing to send you child to college be sure to review: 1. Their college essay 2. Your bank account 3. The film “Animal House” 4. Their insurance coverage
The stories of breached data security have become almost too familiar: An employee takes home a laptop against regulations. A hard drive is sent out for repair, but disappears. A disc with sensitive data is stolen from an office. For business owners and managers, the threat is real, and there is a need to protect against such violations of data security.
As sure as the swallows return to Capistrano, all over America the latest migration of students prepares to descend on college campuses. Depending on whether your student is facing year one or is farther along the higher education highway, their individual stress levels may range from sheer terror to borderline boredom. For you, concerns may be running the gamut from empty nest issues to “How are we going to pay for this?”
Earlier today, a Trusted Choice®-themed custom motorcycle designed by the renowned Orange County Choppers to raise money for Make-A-Wish was unveiled by Paul “Paul Sr.” Teutul, Sr., Orange County Choppers owner and “American Chopper” star.
An increasingly popular vacation idea is to rent a house or an apartment to stay in when you’re away from home instead of a hotel room. The advantages of rentals are that they can provide more space (which can be important when travelling with a family), they can offer amenities such as kitchens so that you don’t have to go out for every meal and some vacation rentals can deliver more value for the price than traditional hotels and resorts. However, if you’re planning on renting a beach house for the family reunion or a cabin in the mountains to get away for a weekend, there are a few things to consider.
Say the words “summer extreme sports” and into your mind springs those daredevils of danger:
June 24-30 is Lightning Safety Awareness Week. According to the National Weather Service, lightning strikes account for an average of 54 deaths per year in the United States, so when thunderstorms are in the forecast, it’s usually a sign to head indoors and if you have to put away the golf clubs for a few hours or head in off of the lake to wait out the storm, it’s worth it. Here are some tips on what to do before, during and after a thunderstorm.
Whether it’s a backyard barbecue or a nationally televised hotdog eating contest (really quite something to see), Americans love to celebrate the Fourth of July with food- and not just staples like hotdogs, hamburgers, and potato salad. The Food Network has some unique Independence Day recipes on their website for those who want some “Independence” from the traditional 4th of July fare. If you’re eating outdoors this Independence Day make sure you follow these tips to make sure your al fresco dining experience is enjoyable.
Remember the “Beverly Hillbillies?” With apologies to Jed, Grannie and the clan, consider the following variation:
The other day while flipping through the channels I stumbled upon a reality show about people who bid on items in abandoned storage units- sometimes finding items valued in the tens of thousands of dollars. I thought of my family and friends who had storage units and the kinds of items they kept in there- and it ran the gamut from golf clubs to furniture to ski equipment. According to the Self Storage Association, 10.8 million people in the US rent a self-storage unit. If you’re one of those 10.8 million people you should ask yourself, do I have insurance coverage for my property in storage?
Several years ago growing up in the picturesque Finger Lakes region of Upstate New York, my father and I got into the family car and drove out to the storage facility where we kept our boat over the winter. Picking up that old blue and white motorboat and getting it ready to go into the water was always the first real sign that summer was approaching and the long New York winters were finally over. Except when we got there, the boat was missing. Gone.
Having a baby can be a very exciting, emotional, and exhausting experience for a family, and while most parents remember a lot of the preparation details -- such as assembling the crib and installing child-safety locks -- updating their insurance may not be the first thing that comes to mind.
May is National Moving Month and every year more than 40 million Americans will move, according to the American Moving and Storage Association. As you pack up your belongings and move across town or across the country, make sure you don’t forget to “pack” your insurance coverage.
It’s a rite of passage for college students to don cap and gown and march for graduation ceremonies- in fact, according to the National Center for Education Statistics (NCES), nearly 1.8 million students will graduate with a bachelor's degree in 2012. As those 1.8 million make the transition from undergraduates to careers, pursuit of advanced degrees or back into mom and dad's basement, it's critical that they understand how walking across that stage may have changed their insurance needs.
Safety Makes Your Summer Party Memorable—In the Right Way The entertainment value in a summertime get-together can be in the camaraderie and storytelling. But don’t let your next backyard barbecue turn into a tale of woe, to be retold years from now.
Quick question: What national event will be celebrated by millions of Americans on Memorial Day weekend? Hint: It involves major partying, extreme danger, risk of major injuries, and bone-crushing crashes. Another hint: “Gentlemen, start your...”
Getting married and embarking on a new life together is one of the most exciting experiences in two people’s lives. It’s a time of hope, promise, romance and … reality. Whether a couple is planning their wedding or deciding where to live, there are a lot of decisions to make before saying “I do,” especially when it comes to insurance.
Do you know what types of losses your home insurance policy will cover? Perhaps more important, do you know what types of commonly occurring losses it will not cover? Knowing the limitations in your policy is the first step to finding the fix. Following is a list of commonly occurring events or exposures that can cause significant financial damage to you and your family. What do they all have in common? Coverage for them is either limited or excluded under a typical home insurance policy.
It’s time for March Madness! Are you planning a blowout that will make render an entirely new meaning to “bracket busting?” Has your neighborhood community center asked for a either a hold-harmless agreement or a damage deposit exceeding your current mortgage payment?
With more and more families every year having both parents work full time, there has been an increasing need for help around the house with childcare and chores like cleaning, laundry and running errands. If you’re hiring household help it’s important to understand how having domestic workers (including nannies, housekeepers, caretakers, etc.) around your home can impact not only your insurance coverage- both your auto and your homeowners- but also how it could have tax implications for you. If you don’t understand these issues, the result could be something quite atrocious.
"I recognize the right and duty of this generation to develop and use the natural resources of our land; but I do not recognize the right to waste them, or to rob, by wasteful use, the generations that come after us." – Theodore Roosevelt. With Earth Day on April 22nd, Roosevelt’s call for responsible use of resources remains as relevant today as when he wrote it over a century ago, and many Americans are taking up the call as part of the “green” movement, particularly in the areas of construction and building. Whether you’re building a new home or are interested in retrofitting your home to be a “green” home, it’s important to recognize how taking these steps to make your home more environmentally friendly may require some special “green” insurance to protect them.
Temperatures are getting warmer and now that it’s spring, it’s time for spring cleaning and making spring time repairs around the house. Taking care of our homes is important, so take a moment to understand how taking care of things around the house can impact your insurance with these spring time tips:
Ever watched a celebrity gossip news show? Come on, be honest! Ever read a celebrity gossip magazine? Still lying to yourself? Okay, how about you’ve stood in a checkout line at the grocery store and seen the cover of a gossip magazine? Gotcha!
Talk to your insurance agent about the need for flood insurance. Nearly all communities in the United States have access to flood insurance. In addition, even if your lender/mortgagee doesn't require flood insurance, this doesn't mean your property isn't in a "flood zone." Under federal guidelines, lenders are required to show evidence that a property backed by a federal loan guarantee has flood insurance, if the property is located in certain high-risk flood zones. However, more than 25% of flood damage occurs in areas that are in lower-risk flood zones.
Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner’s policy?
March 12-16th is Flood Safety Awareness Week, and as we move from winter into spring the risks of flooding can go up, and it’s not just those in high risk flood zones who are vulnerable. Here’s some information on evaluating your flood risk and how you can protect your home with flood insurance.
March 12-16th is Flood Safety Awareness Week. Unfortunately, many people may not be aware that flood damage is not covered by homeowners insurance.
The catchy phrase “spring ahead” signals change for Americans. It’s a reminder to move clocks ahead one hour for daylight savings time. And it’s an optimistic forecast that warmer and sunnier weeks are ahead. With these seasonal changes, millions take on “spring cleaning” of homes, garages, and yards.
There are over 240 million registered motor vehicles in the U.S., according to the Census Bureau. At a given time, as many as a third of those clutter American roadways, and it is estimated that one-fourth of those are being used in the course of work.
Across the country car and bike share programs are gaining in popularity as a way to ease congested traffic patterns in urban areas while at the same time providing more flexible transportation alternatives to public transit. These programs are a great alternative for urban dwellers and college students who may not own a car or bike but occasionally need one to run errands, or to use as an alternate means of commuting. Members who join one of these programs pay a membership fee for a period ranging from a few days to annual memberships.
Following is just a sample of the types of insurance policies needed by owners of virtually every kind of business:
If you were like many Americans over this past weekend you may have noticed an uptick in car dealership commercials featuring men in stovepipe hats and powdered wigs. That’s right, Monday was President’s Day, which began as a celebration of George Washington’s birthday (February 22) and was later expanded to include celebrations of Abraham Lincoln’s birthday.
Hail to the chief! If you’re in the market for a new car, depending on what type of vehicle you’re looking for, President’s Day Weekend may be the time to find it. In addition to certain discounts from the automakers, dealerships also may be offering deals or incentives to buy.
Remember the days of curling up to the radio on a Saturday night, torturing yourself through commercials and lame tunes just to be able to crank it when Mr. DJ played your favorite song?
Many people will celebrate the holiday by giving back to their community. Volunteering time or services to a company or non-profit organization may be a selfless act of generosity, but these acts of goodwill can also expose volunteers to possible lawsuits if they are making decisions on behalf of the organizations or company.
Hosting a Super Bowl party is a great way to cheer on your team if you can’t make it to the stadium in Indianapolis this Sunday, but make sure you know and manage the risks of hosting the big game day party. In many states, individuals hosting parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event.
In 2009 a jury in Hernando County, Florida, rendered a verdict of just more than $330 million to the family of a 13-year old girl who was tragically killed in a car accident caused by a drunk driver.
You pay for home insurance to avoid incurring large out-of-pocket expenses after a something damages your house and personal property. The last thing you need is an insurance company explaining “adequate limits of insurance” after the fact; especially if that explanation means more cost to you.
Your health is way too important to leave to chance. That’s why it’s critical that you have health insurance and that it is the right fit for you and your family. Unfortunately, millions of Americans do not know if their health insurance plan will cover their needs—or how to secure better coverage.
As millions of Americans prepare to host and attend Super Bowl parties, many may be unaware of the risks they may be taking. Party hosts need to understand their responsibilities when inviting people into their homes and serving food and drinks. Before hosting a party for the big game homeowners may want to consult with their Trusted Choice® independent insurance agent and ask questions. They need to be aware that if someone drives drunk or becomes sick after consuming food at their party, the host could actually be liable.
You’re hosting the party for the big game. The invitations are out, responses are in and it’s going to be a big one. Your shopping is done and the refrigerator and freezer are stocked with the finest party fare money can buy.
Chances are you started your small business with long days and longer nights. You are fully aware of the truth of the old saying: “When you are self-employed you work for the toughest boss in the world!”
If you were the victim of a disaster and suddenly found yourself with nothing left, would you remember everything you lost? When is the last time you counted the number of CDs you own or took stock of the current value of your TV and video equipment, not to mention your clothing, jewelry and other personal belongings?
The diversification of the U.S. economy over the past generation has meant that millions of Americans have started their own businesses. Americans still chase the dream of being their own boss by starting their own business—and the trend may pick up during the economic slump of 2009 because of hiring slowdowns and spikes in corporate layoffs.
In the midst of the festive and hectic holiday atmosphere, it is easy to forget the serious responsibility involved with hosting a party at your home or business. In many states, individuals and employers hosting holiday parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.
What are the odds that someone who trips and falls down your front steps will sue for anything less than several hundred thousand dollars? Does “slim to none” come to mind?
This weekend, millions of people will ring in the New Year with friends, family, and loved ones. However, amidst all the festivities, toasts, and celebrating, safety can quickly take a backseat to a good time – especially when alcohol is added to the mix.
1. Break down all boxes into small pieces and discard them in non-clear trash bags. 2. Keep gifts hidden from view at outside windows.
As the holiday season approaches, millions of Americans will take to the roads to visit family and friends. Since many will make the trip in a rented car, it’s an appropriate time to discuss one of the most frequently asked questions of agents and brokers all over the country: “Should I buy the insurance from the rental car company?”
As the owner of a small business, you understand better than anyone the meaning of “risk.” The key is to know understand how much risk you can afford, and when or where is the right place to take risk.
If someone asks you if your firm has a catastrophe plan, how would you respond? Would your answer sound something like this: “There’s nothing in writing, however, if something happened that compromised our ability to earn we have a good idea what we would do.”
The holidays are almost here, which means hauling out the holly, stringing up the lights, and dashing through the snow. The holidays also mean lots of fun, festive parties to celebrate the season. These celebrations usually feature an array of delectable foods and tasty drinks that are dangerous to your waistline, but if you’re hosting a party, you have more to worry about than added pounds or lumpy gravy.
Each year, almost 16 million people in the United States, most of them between the ages of 18 and 22, leave the comfort of their homes to attend college. They will dive into textbooks, exams and other activities designed to prepare them for the “real” world. Or at least that’s what their parents hope they’re doing….
If you live in a home in a developed area or subdivision, there’s a reasonable chance that you are a member of a homeowner’s association. The same is true if your pad is a condominium.
Haul out the holly, string up the lights, and hang the stockings by the chimney (with care)! The holiday season is finally here, which means it’s time to deck the halls with all kinds of festive decorations.
As a homebuilder, you spent your life making sure the work you did was safe and sufficient. Every year you purchased a commercial general liability (CGL) policy just in case. You made it many years with no claims and want to reward your good work with a much deserved and overdue retirement in where else? Florida.
Winter brings the threat of freezing temperatures and harsh conditions to much of the U.S. Some places are well beyond the threat; it’s going to freeze—there’s no way around it. Such conditions pose unique hazards to commercial building owners. Following is some information on common winter threats and how they are addressed by commercial property insurance.
No family wants to celebrate their Christmas in a hospital emergency room. Unfortunately, some entertaining holiday toys can cause injury when used improperly. Parents need to take special care in reading labels on toys and choose toys that suit the age, abilities and interest of their children. Sometimes reading the packaging is not enough. Even today, misused or poorly designed toys can cause injury or suffocation.
It’s a nightmare that has befallen many small businesses. One of your best clients has just made a significant purchase, and it seems the world couldn’t be a better place. Then, on their way to their car, disaster strikes. A sudden trip, a slip and fall, and your happy client is now hurt, angry and a potential plaintiff in a lawsuit against your business, all in the space of a few disastrous seconds.
So you’ve decided to abandon the old homestead for greener pastures. Or possibly a job is transferring you around the state or across the country. Or the kids have outgrown the apartment so it is on to a house.
Employers are told by the states in which they do business how to provide adequate workers compensation insurance for employees. As in other forms of insurance, fair pricing is determined using historical loss data.
Those that design personal auto insurance policies learned years ago that folks living in the same house will take turns driving the family cars. That’s why auto insurance policies are designed to provide coverage not just for the person specifically named on the policy (you) but also your spouse and family members.
As a small business owner, you know the importance of preserving your assets. For many business owners, the largest single asset they possess is their building. Whether you occupy the building or operate as a landlord (or both), consider key exposures in your risk-management and insurance planning.
School is back in session and many high school and college students will be driving more as they commute to and from school, which makes now a good time to remind your student driver about safe driving practices.
Flood damage occurs every year in the United States. Learn how you can cover your family with the simple steps in this article.
5,000. That’s the number of earthquakes felt in the United States each year. Popular belief may consider California to be the state at most risk of an earthquake, but since 1900, earthquakes have caused damage in all 50 states, according to the Insurance Information Institute.
One very visible result of the economic downturn is an increase in commercial vacancies across virtually all categories—and that could be leaving owners far more exposed than they realize.
Packing up the car and heading off to college is a rite of passage for a lot of students, but there are some auto insurance questions to consider before your kid drives off to higher education. You wouldn’t let them leave home without the right school supplies; make sure they’re fully equipped behind the wheel, too.
Consumers spend billions on their homes. Home improvement projects tallied to a whopping $280 billion in 2005, according to research from the Joint Center for Housing Studies at Harvard University.
Would you believe that there is an insurance product specifically designed to help insure a solid, sustainable profit? In fact, without this coverage, hitting your profit targets may become impossible.
Your homeowner’s insurance policy will pay to repair damage to your home caused by a fire, windstorm or other covered cause of loss. But when you and your family incur expenses for moving out while repairs are made, who picks up the tab?
Many auto insurers are now offering more than collision and liability coverage for motorists – they’re also providing protection for their furry friends, too.
Your family is forced to stay home due to the big storm hovering over the house. The comforting sounds and bright screen of your 52” LCD television eclipses the noise from outside. Then it happens: Just as you’re about to discover who gets voted off the island, your family is startled by sudden darkness.
Everyone knows “that guy” whom you wouldn’t trust behind the wheel of your car, even in a matter of life and death. For the truly unfortunate, “that guy” is a member of your household—and looks not only to your vehicles as a source of transportation but also to your auto insurance as a source for coverage.
According to FEMA, peak tornado season begins in March and runs through the summer (though tornadoes can strike at any time). While the damage from a tornado may not be as widespread as damage from a hurricane or other tropical storms, tornadoes can be some of the most deadly and devastating weather events when they strike.
Learn tips and tricks on how to protect your family before, during, and after an earthquake.
According to surveys, nearly one in four Americans are operating some form of home-based business. These businesses range from relatively small, often part-time pursuits such as tax preparation or small appliance repair, to larger, full-time enterprises such as construction companies and real estate offices.
The damage caused by the March 2011 earthquake and tsunami in Japan caught the world by surprise. The devastation was indescribable at the local level. Also shocking were the resulting losses by businesses thousands of miles from the wreckage—losses suffered due to an interrupted supply chain.
Thanksgiving, Christmas, and New Year’s Eve—these holidays mean celebrations, many of them in decorated homes filled with merry-making family members and friends.
With more than 2,000 companies offering life insurance, there is stiff competition for your business and a wide array of policy choices, too. So how do you navigate all these choices? You’ll want to read on to learn how to select the right life insurance policy:
You have a computer. So who doesn’t? According to the latest reports, the vast majority of Americans have at lest one personal computer at home. And many count themselves among the “multi-wired” households, with one or more PCs, handhelds (such as Palms or pocket PCs), set-top boxes, Internet access, and a fast-growing minority have enough equipment to have installed home networks to tie everything together. Add in a few beepers and cell phones and we are talking significant value!
As early as they start school, children become involved in extra-curricular activities. Adults charged with getting groups of kids from home or school to the ball field and back home again are usually more concerned with maintaining their sanity than auto insurance. However, hauling kids around could have a serious affect on your coverage.
Severe weather from Tropical Storm Isaac continues to impact the Gulf Coast region. As Mississippi and Louisiana residents recover from Isaac’s wrath, Trusted Choice® advises consumers to be cautious when returning to devastated property to recover losses. Flooding remains a major problem and risk in many areas.
Uninsured or underinsured motorist coverage (referred to as UM or UIM, respectively), is a unique form of auto insurance in that it gives drivers an added opportunity to protect themselves from “out there”—specifically, all those people driving with little or no auto liability insurance.
Ever drive down the street and see a front yard with a trench that looks like someone is dredging a channel from the front door to the street? While a select few may be installing an expensive irrigation system, most are having the sewer line replaced.
Independent insurance agents not only advise clients about insurance, but they’re disaster readiness consultants. We recommend meeting with a Trusted Choice® independent insurance agent who can consult with you in assessing your risks and ensuring that you, your family and your home are prepared in the event of a disaster. Trusted Choice® offers many disaster-specific readiness and recovery tips for consumers.
Most people know that a homeowners or renter’s insurance policy is crucial when it comes to protecting your home from a fire or other disaster. However, if you want to safeguard your valuables from the unexpected, there’s another important document you may be overlooking: a home inventory.
As millions of Americans look for ways to stretch their budgets to survive these tough economic times, too many are not utilizing all of the discounts that may be available to them in their homeowner and auto insurance, according to a new national survey conducted for Trusted Choice®.
Today more than 43 million Americans are operating full- or part-time businesses from the comfort of their homes, and these numbers continue to grow every year. One of the secrets to running a successful home-based business is being able to separate your business activity from your home activity.
Independent insurance agents not only advise clients about insurance, but they’re disaster readiness consultants. It is imperative to know what your risks are and what to do in the event of a hurricane.
Pools present dangers, particularly for young kids. Each year, some 3,500 deaths—about 10 per day—are cause by drowning, according to The Centers for Disease Control and Prevention (CDC). And another 4,000 people are treated at hospital emergency visits total for injuries and trauma related to pool accidents.
If there is threat of a wildfire, warnings will be issued. Listen to your local radio or TV news program for the latest information
In recent years, more and more building owners are becoming fascinated with the concept of the “triple net lease.” A primary reason for the interest is that the terms of such a lease require the tenant of the building purchase and maintain adequate insurance on the building itself.
The end of summer seems to be peak time for natural disasters. Often, Labor Day weekend newscasts include stories about a hurricane, flood, tornado or wildfire happening somewhere in the United States.
You’ve heard about “green.” You know it has to do with eco-friendly buildings, vehicles and systems. Now you’re hearing more and more insurance companies touting “green” offerings. What does this mean to you?
Most Americans view auto insurance as necessary to protect against the costs of a car accident. Likewise, it’s common knowledge that homeowners insurance helps families rebuild their lives and homes. An “umbrella” policy is not as well known, but anyone who owns a home or any assets should consider buying it.
In the throes of an economic recession, millions of consumers today are cutting back on discretionary spending—and are even tightening up on the necessities. Now is an excellent time to review your insurance coverages with your Trusted Choice® insurance professional to find ways to cut costs while still protecting your family or business.
The environment in which women now live, work and care for their families is much different from previous eras. Women juggle many roles: career, marriage, motherhood, caregiver to aging parents. And, even in dual income families, women still handle major responsibility for household management.
Could your car’s worst enemy be…a shopping cart? How could a motor-less, four-wheeled wannabe pose such a threat to a proper automobile? Believe it or not, one of the most common causes of body damage to a car is the dings and dents received by not-so-innocent buggies in the parking lots of your neighborhood grocery store. The question is: If your car is the next victim, how will your car insurance respond?
Each Monday through the end of 2011, a trivia question will be asked via a post on our "Wall" at www.facebook.com/TrustedChoice to which the answer can be found on www.trustedchoice.com.
Should the age or value of your car make any difference to the cost of your auto insurance? For some insurance coverages, the answer is no.
Buying insurance can be confusing. Price is important, but so is getting the right coverage for your needs. You want and need top value in your coverage - whether it's for your home, your car, your family or your business.
Sure, the price of insurance is important. But never shop on the basis of price alone. Real value means more. You want insurance that provides the right kind of protection for your needs. You want an insurance company that's loyal and pays valid claims promptly. You also want an agent who provides courteous service, someone who goes to bat for you when you need help or advice.
710 Wells Street
Marinette, WI 54143
512 Louisa Street
Crivitz, WI 54114
127 West Main Street
Coleman, WI 54112
N14690 Wontor Road
Amberg, WI 54102
8783 Downs Lane
Suring, WI 54174