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Phil Klein Insurance Group

7125 Orchard Lake Road, Suite 302
West Bloomfield, MI 48322

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Auto & Home Insurance in Michigan

Auto Insurance

Most people in Michigan understand that auto insurance is required by law in order to operate a motor vehicle. This is mainly to protect the other drivers on the road who might suffer damage to their property or their health if they are involved in an auto accident. There are several factors that will influence someone's insurance rates and one of these is the make and model of their car. Many people are confused as to why the type of car they drive impacts their insurance rates.

Some Cars are Safer than Others

Before a car hits the market, it undergoes strict testing by various safety departments that will rate the sturdiness of the car in a variety of tests. This includes how sturdy the car is in a variety of test modalities, how easily the car flips, and how easily the car catches fire. If a car is safe, it is less likely to suffer damage when it is involved in a car accident. This decreases the likelihood that the insurance company will have to pay out a claim because the car is less likely to be damaged. The insurance company will reward this fact with a lower rate.

Some Cars are Stolen More than Others

Car insurance policies often pay out claims for cars that are stolen. There are detailed statistics that are published that describe the rates at which cars are stolen. If a car is more likely to be stolen, the insurance company is going to charge a higher rate to cover this risk. People in Michigan should consider how attractive a car is to criminals before making a purchase.

Residents of West Bloomfield, MI should contact the Phil Klein Insurance Group with any questions regarding an auto insurance policy. The Phil Klein Insurance Group has been providing the protection that the citizens of West Bloomfield, MI deserve from their first day in business.

Home Insurance

Unlike auto insurance, home insurance is not required by law in Michigan; however, most people living in Michigan understand that home insurance is a valuable investment because houses are expensive and subject to damage by natural disaster, home appliance mishaps, or even theft. When people invest in home insurance, they receive protection against these outcomes yet might be confused by some of the factors that influence their home insurance rates. One of these factors is location. Why does location impact home insurance rates?

Location Impacts the Value of the Home

The most important factor in deciding a home insurance rate is the value of a home. A more expensive home requires a higher degree of protection and mandates a higher rate. When houses change location, their value also changes. This is a subject of the real estate taxes in the area and because there is a higher demand for homes that are located in certain areas. The location will impact the value of the home and therefore impact the home insurance rate as well.

Location Impacts the Safety of the Area

It goes without saying that some areas are safer than others. If a home is located in a safe area of town, it is less likely to broken into. This decreases the chances that the home will be damaged or valuable possessions inside will be stolen. The insurance company will reward this home with a lower rate because they are less likely to have to pay out a claim.

Weather Changes with Location

Obviously, weather changes with location and severe weather can damage a home. A house located on the coast has a greater chance of being damaged by a hurricane. To offset this risk, the insurance company with charge a higher rate.

When residents of West Bloomfield, MI contact the Phil Klein Insurance Group, they know they are getting a strong policy that protects against a variety of mishaps. Citizens in West Bloomfield, MI should contact the Phil Klein Insurance Group for all of their insurance needs.

Servicing these States

Our Partners
  • AAA
  • American Modern
  • ASI
  • Berkshire Hathaway GUARD
  • Berkshire Hathaway Homestate Companies
  • Chubb
  • Citizens Insurance
  • Encompass
  • Foremost
  • Great Lakes Mutual
  • Hagerty
  • JC Taylor
  • Liberty Mutual
  • Progressive
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Univeral Property & Casualty
  • Westfield