Consumer Home Insurance Tips in Birmingham, Michigan

Phil Klein Insurance Group in Birmingham, Michigan was created for you – the customer. Phil and his team not only want to offer you affordable home insurance coverage; they want to make sure that you understand your policy; enabling you to sleep in complete confidence.

Consumer Tips in Birmingham MI

Home Insurance is not required by law in Michigan; nor is owning an umbrella. But when you are caught in a downpour-the coverage sure is comforting. Homeowners Insurance is designed to protect you and your family when the unexpected happens.

Insuring your home through the Phil Klein Insurance Group is comforting and provides that needed coverage for unexpected downpours in your life. Invest in your home wisely with these tips.

  • Shop around. Companies in Birmingham, Michigan are competing for your business. Stop by and meet the agents. Get quotes online or by phone. Quotes are free and help you categorize your options according to your budget.
  • The economic rules of Insurance can cause higher priced companies to lower their rating due to pressure brought on by consumer choice.
  • Shopping for insurance will never be as exciting as shopping for shoes, but by becoming knowledgeable about which questions to ask – you will find the best fit.

Top Questions to Ask

By asking questions, you can chart the answers and have a comparable resource to help you choose the best home insurance coverage.

  • What losses does your policy cover? What loses are not covered by your policy?
  • The Michigan state law allows all companies to offer discounts on insurance coverage. Ask which discounts are available to you. Each one will save you some money.

Be sure and add Phil Klein Insurance Group in Birmingham, Michigan to your shopping list-we have you covered.

4 Things to Consider Before You Choose Commercial Insurance

Commercial insurance for small and large businesses is not a minor subject, but most owners likely see it as being no different than their utility bills. The truth is that commercial insurance is what keeps the lights on as much as the power bill does. It also does a lot more than that for the business owners of West Bloomfield, MI. Here are four things to consider before picking out a policy from your friends at Phil Klein Insurance Group.

Your Liability

Even businesses that only have one employee and no physical customers have an obligation to safety. The more people a business works with (either on the customer or employee side), the more the risk goes up. The liability you take on may be more than you think, this means you need to prepare for the worst if something happens to anyone. 

Your Back-Up Plans

Some people have intense backup plans when something goes wrong, but most don’t. Do you know how you’ll pay your bills if your building has to close for repairs? Or what will happen if your computer files are hacked? Insurance is the backup plan in the case of a disaster or accident in Birmingham or West Bloomfield, MI. 

Your Neighborhood

Some places are more prone to crime than others, but that’s not a reason to fear. Commercial insurance will protect your livelihood if someone does manage to make it onto your premises to wreak havoc. 

Your Insurance Company

Who you choose to provide your coverage matters. The Phil Klein Insurance Group has the staff and the resources to find the best commercial insurance policy for you. All you have to do is give us a call to find out more about what we do, and how we do it! Reach out to our agents and let the address any questions or concerns you may have.