Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

Insurance Where You Live

Feb 14

Yes You’re Engaged! Now Who Insures the Diamond Ring?

Almost every girl dreams of the day their special someone will pop the question, “Will you marry me?”. Wearing that big sentimental token of affection, aka a gorgeous diamond ring, can quickly begin to wear on a girl’s nerves. What if I lose it? What if I bang it and the diamond falls out? What if it gets stolen? We need to insure this thing quick! Now the question is who should insure the ring?

The Bride-to-Be

Diamond Engagement Ring

The person who insures an engagement ring ought to be the owner of the ring. Technically even though it is typically the man who purchases the ring, he gives the ring to his future bride as a symbol of his love and commitment. Therefore, it is the bride-to-be’s job to protect it and that includes insuring it.

Where to Insure a Diamond Engagement Ring

  • Renter’s Policy
  • Home Onwer’s Insurance Policy

Most all renter’s and home owner’s policies will automatically cover a ring for named perils such as fire or theft. In both cases a deductible would apply. To get the protection most future brides are looking for, the ring needs to be scheduled on the policy. Scheduling a ring means you have given the insurance company a copy of the ring appraisal and the ring is listed separately from the rest of your contents. It is then insured for any type of loss including mysterious disappearance, aka it gets lost. Another perk of scheduling a ring is if something happens to it, no deductible applies. Scheduling a ring does increase your insurance policy cost, but it is most definitely worth it to protect your new found love.

What if the future bride lives with her parents?

The insurance company should allow the ring to be scheduled on the bride’s parents’ home insurance policy as long as it is her permanent address. Once the bride moves out, it then needs to be removed and added to a new policy. It is best to fully disclose living arrangements with an insurance agent to make sure you are insured properly.

What if the bride-to-be lives with her fiance and the home insurance policy is only in his name?

More than likely, in this situation the bride-to-be does NOT have any coverage on her contents under her fiance’s policy. Unless you are married or blood relatives, home policies usually do not extend to other individuals other than the owner. The bride should get a renter’s policy for her contents while living in the home with her fiance. It might sound like insurance overkill, but you will be much happier in case of a claim. Image: Boykung /

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Jan 14

Michigan’s 2014 Car Seat Laws

Every parent wants to ensure their child is protected to the fullest extent when it comes to riding in the car. Car seats are not always convenient, but they do serve a very useful purpose. Car seat laws are in place to keep children safe. They also keep parents informed of the safest ways to transport young children in automobiles. Recently, car seat laws have been revised to help keep small children as safe as possible.

New LATCH System Rules

2014 Car Seat LawsIt has been determined the LATCH system, Lower Anchors and Tethers for Children, has a weight limit of 65 lbs. The weight limit now includes the weight of the car seat. Car seats can vary quite a bit in weight often ranging from 15 lbs up to 33 lbs. It is important to know the weight of both your car seat and your child. If car manufacturer’s are concerned with the LATCH system holding up in an accident with weight over 65 lbs, you should be too. Once the combination of weight of 65 lbs has been exceeded, switch over to using a seat belt to hold the child and the car seat securely.

Other Car Seat Laws and Recommendations

  • Use a rear facing car seat until the age of 2
  • Children under 4 ride in the back seat in a car seat
  • Use a car seat or booster seat until child is 8 years old or 4 feet 9 inches tall, whichever comes first

Anytime you have concerns about your child seat being installed properly, be sure to get a free inspection at a Child Car Seat Inspection Station. Michigan has close to 250 available Child Car Seat Stations throughout the state. Follow the car seat laws in order to keep your child safe as possible. Image: kdshutterman /

Further Reading

Jan 14

Top 4 Reasons to Get a Life Insurance Quote Today

Have you been putting off getting a life insurance quote? Make getting your finances in order a priority this New Year. Check out the top 4 reasons to get a life insurance quote today.

  1. Term Life Insurance Follows You: Employer life insurance policies are good policies, however what happens if you change jobs? You lose those benefits. A 20 year life insurance policy will follow you no matter where you are employed. Life insurance quote rates increase the older you get. So if you lose or change your job say at the age of 45, you will be looking at paying a higher rate to replace the policy.
  2. Protect Your Family: Losing a family member is always heart breaking. Relieving the stress of money shortages will make the transition a little easier. A good life insurance policy will give you peace of mind. Knowing your loved ones are taken care of will be a gift to both of you.
  3. Easiest Type of Insurance to Quote: Life insurance has to be the easiest type of insurance to quote. It takes approximately 5 mins to get an estimate. All you need to provide is your name, birth date, and whether or not you smoke, then select a coverage amount…that’s it!
  4. Curiosity: Aren’t you just a little curious at what your rate would be? When the topic of life insurance comes up, many people feel guilty because they do not have any in place. Learning what price you would be looking at can help you plan a budget. You might be surprised at the rate you can get if you are healthy and under the age of 40.

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