Why Now is a Great Time to Repair Your Roof

Posted on September 19, 2017September 18, 2017 by agentinsure

As a homeowner, you are responsible for maintaining your home and the structures on your property. Part of this includes making needed repairs to your roof. At Phil Klein Insurance Group, serving the greater West Bloomfield, MI area, we try to remind homeowners that a home insurance claim can be denied if you fail to maintain the premises and the claim is a result of this negligence. If your roof is in need of repair, the end of summer and fall months are a great time to make these repairs. Here is why:

The Weather is Optimal for Repairs

The biggest benefit to having roof repairs done in late summer and early fall is that the weather is optimal for repairs. Making repairs in wet conditions or freezing temperatures is not ideal. Having the repairs done now helps to keep the roofer safe and ensures the repairs are not negatively affected by inclement weather. The heat will also be less apparent since it is not directly taking place in the mid-summer months.

Prepares Your Home for the Wet Season

The other benefit to having repairs done to your roof now is that it prepares your home for the wet season. If you fail to have repairs done before the wet and rainy season hits, your roof may leak. Minor cracks can quickly turn into major leaks when left unrepaired. Repairing the damage now helps to prevent it from worsening, allowing you to prepare your roof and home for the rain and snow that will hit during the winter months.

Maintenance is important to your home insurance policy. If you are in the market for a new home insurance policy in the greater West Bloomfield, MI area, call Phil Klein Insurance Group. We would love to answer your questions and help you find a policy that fits your needs.

You’re a New Parent: What to Know About Life Insurance

Posted on August 14, 2017August 1, 2017 by agentinsure

As a new parent, you have many responsibilities to handle. In fact, you probably have too many responsibilities. One of the most important things that all new parents should think about is securing life insurance for their newly born child.

Understanding how life insurance works and why you should get it as soon as your baby is born is essential. Here’s what you need to know:

First, understand term life insurance. A fixed rate is provided for term life insurance. This plan is generally for 10, 20, or 30 years. When a policy expires, you need to renew it again. Younger families will benefit from these types of insurance plans.
There are also whole life insurance plans. These are permanent and cover you for as long as you live. Experts agree that younger families should avoid these types of coverage because they tend to be more expensive.
Getting life insurance for your child when they are young is an excellent idea because they are at their healthiest and the youngest they can be. They can start with a low rate from the get-go.
Keep in mind that as parents, you need to be insured just like your child. This will give them financial stability should anything happen to either of you.

Contact Phil Klein Insurance Group for More Information

If you are a new parent in West Bloomfield, MI and are interested in learning more about life insurance options for your child or children, contact Phil Klein Insurance Group at your earliest convenience. We are proud to serve the residents of West Bloomfield, MI, and one of our agents would be happy to speak with you about your available life insurance options.

We can discuss options for your children as well as for you and your spouse. Visit our nearest location or give us a call today. We look forward to hearing from you.

4 Things to Consider Before You Choose Commercial Insurance

Posted on July 17, 2017June 19, 2017 by agentinsure

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.