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Kentwood, MI 49508

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Dalessandro Agency Inc Blog

What Additional Coverages Might a Motorcycle Policy Offer?

Michigan requires all motorcyclists to carry liability insurance. So, if your motorcycle is in an accident, this coverage pays medical expenses for bodily injury to others not on your motorcycle.

It also pays for property damage to someone else’s property. But at the Dalessandro Agency Inc., where we serve Grand Rapids, MI, we point out that this minimum coverage may not be enough to protect you or your passengers. For this reason, it’s wise for motorcyclists to get optional motorcycle insurance coverage.

Collision and Comprehensive Coverage

Collision insurance is one type. It pays up to the policy limits if your bike sustains damage by colliding with something.

Comprehensive insurance pays for damages that result when you are not in a collision. These include theft, vandalism, windshield and glass mishaps, fire, accidents involving animals, and weather.

Coverage for Medical Bills

A medical benefits endorsement pays the medical bills of you or your passenger if you are injured in an accident where no other coverage is available. Personal Injury Protection (PIP) may be available too.

It is more comprehensive than medical benefits. It covers medical expenses and may help to make up for some lost wages if you cannot work, rehabilitation, and more.

Personal belongings insurance pays if the objects you carry with you as you ride are lost, stolen, or damaged. These may include cell phones, tools, and motorcycle accessories. Roadside assistance pays when your motorcycle has to be towed in for repair. It may also pay your hotel bill.

If you have a new motorcycle and want total value replacement without depreciation if it is ever stolen or totaled, we can search for you. The Dalessandro Agency Inc. serves Grand Rapids, MI, and we are ready to service all your motorcycle insurance needs. Contact Dalessandro Agency Inc. today.

Protecting Your Watercraft Investment: Comprehensive Boat Insurance for Grand Rapids Boat Owners

Grand Rapids, MI, a city renowned for its love of outdoor activities, is home to many residents who cherish their boats of various types and sizes. Protecting your boat is crucial, whether for leisurely cruises, fishing, or sailing. Safeguard your boat with comprehensive insurance against potential risks.

Understanding Boat Insurance Needs

Boat owners in Grand Rapids should recognize that each type of watercraft comes with its unique set of coverage needs. Here’s a breakdown of some of the critical considerations.

Insurance for pontoon and leisure boats on city lakes should cover accidents, liability claims, and weather damage. Don’t forget to check out insurance options for specialized equipment like pontoons with built-in grills or entertainment systems.

Anglers in the Grand River also need insurance that covers their specialized gear and accidents during fishing trips. Make sure your policy includes coverage for fishing equipment, accidental damage, and liability risks specific to fishing trips.

Sailboat owners also need to consider insurance that covers sails, rigging, and the boat itself. Besides collision coverage, consider coverage for towing expenses, as sailboats may require help in case of a stall.

Tips for Adequate Protection

To ensure your boat receives adequate protection, consider these tips:

  • Evaluate your boat’s value, as your insurance coverage should reflect this value accurately.
  • Understand deductibles and balance the deductible amount with your budget and risk tolerance.
  • Review liability coverage and consider higher limits, especially if you frequently have passengers aboard.
  • Additional coverage, such as coverage for personal property on board, coverage for towing and assistance, and even coverage for natural disasters like storms or flooding, should also be considered.
  • Safe boating practices as insurers often reward safe boaters with lower premiums.

Boating Is Life, Insurance Gives You Confidence

To enjoy worry-free boating in Grand Rapids, comprehensive boat insurance is a must. Understand your coverage needs, follow these tips, and sail the local waters confidently, knowing your vessel is well-protected. If you have questions, please get in touch with Dalessandro Agency Inc., which serves Grand Rapids, MI, and surrounding areas.

Umbrella Insurance Myths Debunked: Clearing Misconceptions About Coverage

Umbrella insurance is an often misunderstood insurance coverage that protects liability beyond standard policies like auto, home, or renters insurance. Despite its importance, several myths and misconceptions surrounding umbrella insurance in and around Grand Rapids, MI may lead individuals to underestimate its value. 

Myth 1: Umbrella Insurance Is Only for the Wealthy

Fact: Umbrella insurance is not limited to the wealthy; it benefits anyone seeking extra liability protection. It is valuable for individuals with significant assets to protect, but it’s not exclusive to the affluent. 

Myth 2: I Don’t Need Umbrella Insurance Because I Have Home and Auto Insurance

Fact: While home and auto insurance policies offer liability coverage, they may have limits that may not be sufficient to cover all potential liability claims. Umbrella insurance serves as an additional safety net. 

Myth 3: Umbrella Insurance Is Only for Personal Coverage

Fact: Umbrella insurance is not limited to personal coverage. It can also extend to provide additional liability protection for businesses, landlords, and nonprofit organizations. 

Myth 4: I Don’t Need Umbrella Insurance if I’m Not at Fault in an Accident

Fact: Even if you are not at fault in an accident, you may still face legal claims or lawsuits. Umbrella insurance can help cover legal costs, settlements, or judgments, protecting your assets and financial well-being.

Myth 5: Umbrella Insurance Is Expensive

Fact: Umbrella insurance is surprisingly affordable, especially considering its substantial additional coverage. 

Myth 6: Umbrella Insurance Covers Everything

Fact: While umbrella insurance offers broader liability coverage, it has limitations. It does not cover damage to your property or injuries to your family members. 

Dalessandro Agency Inc. Can Help You

At Dalessandro Agency Inc., we can help answer questions concerning umbrella insurance. We serve the Grand Rapids, MI area. Contact us today. 

Do You Need Life Insurance If You Are Single?

Life insurance is often considered something couples acquire to provide funds for each other and their children if something should happen to them. But single people can also benefit from having life insurance as well. If you are unfamiliar with life insurance benefits for single individuals, consider consulting with an experienced insurance agent. At Dalessandro Agency Inc. in the greater Grand Rapids, MI area, we can answer your questions about life insurance and how it can help you.

Life Insurance To Pay Funeral Expenses

No one likes to think about their demise, but a sudden illness or an accident can occur anytime. If you are single, you may not want to burden other people with your final expenses. Life insurance ensures funds are available to take of these final matters.

Insurance Pays Off Your Financial Obligations

You may have significant debts that must be paid off if something unexpected happens to you. Life insurance is an excellent way to ensure that these matters will be resolved without burdening those left behind.

You May Have Dependents Other Than Children

Some single individuals may wish to provide for their parents or other siblings if they pass on. This money could be especially important for loved ones with physical challenges or other problems. Life insurance can provide funds for these individuals when you cannot help them.

Insurance Provides Financial Gifts To Others

You may have a favorite charity that you would like to donate to in the case of your death. Or you may have family members you would like to gift money to as a token of affection. Life insurance is an easy way to provide funds for your gift.

You May Need Life Insurance If You Need A Business Loan

If you are an aspiring entrepreneur, you may be required to have life insurance to secure a business loan. The funds ensure the lender will be repaid if you cannot fulfill the obligation.

Make Dalessandro Agency Inc Your Agent For Life Insurance 

Life insurance can be complex, and you may have many questions. Our experienced agents in the greater Grand Rapids, MI area can help you understand the many aspects of insurance and how it can bring more security to your finances. We offer home, health, auto, motorcycle, life, condominium, and business policies. Contact Dalessandro Agency Inc. today for a no-obligation quote on life insurance that can assure your financial obligations in any eventuality.

Can Your Credit Score Be Checked When Shopping for Car Insurance?

Many factors affect the price that you will pay for car insurance. At Dalessandro Agency Inc., providing auto insurance to residents in the greater Grand Rapids, MI area, we have recently seen an influx of customers asking if their credit score will be checked when shopping for car insurance.

Your Insurance and Credit Score

In Michigan, it is essential to note that the use of credit scores in determining car insurance premiums is restricted by state law. Michigan law prohibits car insurance companies from using credit scores or credit information as the sole basis for determining rates or eligibility for coverage. Under the state’s Insurance Code, insurers in Michigan are required to use other factors such as driving record, vehicle type, annual mileage, and other relevant factors to calculate insurance premiums. The law aims to prevent discriminatory practices and ensure that rates are primarily based on factors directly related to driving risk.

The reason why people ask if their credit score will be checked is because this practice is legal in some states. Some states allow insurance companies to run a credit check and use that information when determining how much an individual will pay for car insurance. As such, if you plan on moving out of Michigan, this may be something that you encounter in the future. However, this is not currently legal in Michigan. 

If you are looking for a new car insurance policy, you can rest easy knowing your credit score cannot be used against you. The team here at Dalessandro Agency Inc., serving the greater Grand Rapids, MI area, would love to help you find the right policy for you and within your budget. Call us now to obtain an estimate.

Three things you’ll love about your commercial insurance policy

Insure your company in Grand Rapids, MI with our assistance at Dalessandro Agency Inc. There are plenty of great things you’ll love about having commercial insurance for your business venture.

The following are three things you’ll love about your commercial insurance policy. 

Carrying commercial insurance can help your company attract top talent.

Prospective employees at your company will want you to be insured. You’ll have more to offer your employees if you’ve invested in insurance for your company. 

Certain types of business insurance, such as workers’ compensation coverage are highly beneficial to a company’s workers. This means that you’ll find it easier to attract top talent in your industry when you carry commercial insurance. 

Carrying commercial insurance improves your company’s reputation.

A company that doesn’t carry commercial insurance coverage might come across as unprofessional and unreliable.

Investing in commercial insurance for your company boosts your company’s reputation and makes prospective customers take your company more seriously. 

Carrying commercial insurance can make it easier to form valuable business partnerships.

In many industries, forming partnerships with other companies is important for growing and increasing profits. Yet potential partners may be reluctant to work with your company if you’re not carrying commercial insurance. Companies may fear your company won’t be dependable and financially secure if you’re not insured. 

Acquiring commercial insurance will make other companies feel better about working with you so that you can take advantage of opportunities that come up. 

Explore your commercial insurance options in Grand Rapids, MI. At Dalessandro Agency Inc., we offer commercial insurance quotes to area business owners. Get started by getting in touch with us!

Get Your Golf Game Covered: Golf Cart Insurance in Grand Rapids, MI

Golf carts are increasingly becoming popular modes of transportation on the green and in residential communities, parks, and other settings. While they might be fun and convenient, protecting yourself and your investment with golf cart insurance is essential. For Grand Rapids, MI residents, Dalessandro Agency Inc. offers a range of coverage options to ensure your golf cart experience remains enjoyable and worry-free.

Navigating the available coverage options for your golf cart can be challenging, but our team is here to help you make informed decisions. Here are some key coverage options to consider when insuring your golf cart in Grand Rapids, MI:

Collision Coverage

Accidents can happen, even on the golf course. Collision coverage protects your golf cart in case of an accident with another vehicle or object, covering repair or replacement costs.

Liability Coverage

Liability coverage is crucial for protecting yourself if you’re held responsible for property damage or bodily injury caused by your golf cart. This type of coverage can cover legal fees, medical expenses, and other costs associated with an accident.

Comprehensive Coverage

Comprehensive coverage is essential to your policy to safeguard your golf cart against theft, vandalism, or damages from events like fire or severe weather. Knowing that your investment is protected against unforeseen circumstances provides peace of mind.

Customizing Your Golf Cart Insurance

Every golf cart owner’s needs are unique, so our team is committed to helping you find the right coverage to match your specific requirements. We’ll work with you to understand your needs and tailor a policy that provides the best protection for your golf cart.

Secure Your Golf Cart Insurance Today

At Dalessandro Agency Inc., we aim to ensure you can enjoy your golf cart confidently, knowing that you have the right insurance coverage in place. Don’t let uncertainty get in the way of your golf game or leisurely rides around the neighborhood. Contact our team today to discuss your golf cart insurance options and secure the coverage that best suits your needs.

Five Things Michigan Motorcycle Owners Need to Know

If you live in Grand Rapids, MI, or anywhere in Michigan and own a motorcycle, there are a few things you need to know. First and foremost, insurance is a must, and if you’re currently in the market for motorcycle insurance, consider reaching out to us at Dalessandro Agency Inc. Now, let’s take a look at five things every Michigan motorcycle owner should know:

Mandatory Helmet Law

Michigan has a mandatory helmet law for all riders, regardless of age or experience. Riders must wear a helmet that meets or exceeds the safety standards established by the U.S. Department of Transportation.

Motorcycle Endorsement

Michigan also requires motorcycle riders to have a valid motorcycle endorsement on their driver’s license. To obtain this endorsement, riders must complete a motorcycle safety course or pass a written and on-road skills test.


Motorcycle owners must register their vehicles with the Michigan Secretary of State’s office and display a license plate on the motorcycle’s rear.

Liability Insurance

Michigan law requires all motorcycle riders to have liability insurance. The minimum required coverage is $20,000 for bodily injury or death of one person, $40,000 for bodily injury or death of two or more people, and $10,000 for property damage.

No-Fault System

Michigan has a "no-fault" insurance system, which means that in an accident, each driver’s insurance company is responsible for paying their medical expenses and lost wages, regardless of who caused the accident. This also applies to motorcycle riders, so it’s essential to ensure you have adequate insurance coverage.

And remember, if you’re in need of motorcycle insurance in Grand Rapids, MI, don’t hesitate to reach out to us at Dalessandro Agency Inc. today. 

Plan on Smoother Sailing with Boat Insurance

Boat ownership is an exciting choice. When you decide to own a boat, the adventure starts with making the most suitable selection. You have numerous factors to consider, including the type and size of the boat that best fits your lifestyle and the local culture.

Why Buy Boat Insurance?

When you discover that state law requires you to title and register your boat, you may wonder if you should insure it, too. Even though you navigate it through water, it is a vehicle, and life can be unpredictable. Besides, you drive a car or any other vehicle only if it’s insured.

What Are the Facts?

That’s where our knowledgeable staff at Dalessandro Agency Inc., serving Grand Rapids, MI, step in. We can explain your coverage options and provide essential details.

For example, while Michigan law does not require boat insurance, government officials strongly recommend it. Plus, some marina areas and banks that finance boats mandate it. 

What Do You Do Now?

What happens if you have an accident despite taking various precautions and complying with boating traffic laws? It’s always disturbing when an accident occurs, but it seems worse when it’s considered your fault. And it doesn’t matter whether you’re a new boat owner on a first trip or a boating veteran.

Relax; You’ve Got This

  • Accidents happen. That’s why you buy insurance.
  • Separate boat insurance makes sense because homeowners’ policies may not cover a boat your size.
  • Report an accident to the local authorities immediately.
  • Next, inform your insurance company. We’re here for you.

We Are Here To Help!

At Dalessandro Agency Inc., we are always willing to assist people in Grand Rapids, MI, with our expertise, understanding, and customer service. Reach out to us to get your questions, and concerns answered.

Who should get umbrella insurance?

Umbrella insurance is a type of additional protection for individuals who have assets and incomes that exceed their existing home and auto policy limits. It provides an extra layer of coverage to safeguard against catastrophic losses due to liability claims from accidents or other unforeseen events. At Dalessandro Agency Inc., we specialize in umbrella insurance for people and families in the Grand Rapids, MI area.

Benefits of Umbrella Insurance

This type of insurance is particularly beneficial for those with high-value homes, multiple properties, investments, or businesses as it can help protect these assets from potential litigation due to large awards or settlements.

It’s important to note that everyone should consider getting umbrella insurance regardless of the value of their assets. Even if you are not currently worth a lot, it would be wise to purchase this coverage in case your financial situation changes over time. Additionally, those who are at higher risk for potential lawsuits (such as business owners or those with dangerous hobbies) should also look into this option as it could save them from substantial legal fees down the road. 

Overall, umbrella insurance can be an incredibly valuable asset for anyone looking to protect themselves from financial ruin due to unexpected liability claims. Whether you’re worth a lot now or anticipate being worth more in the future, investing in this supplemental type of coverage could be a wise decision.

Contact Us Today

If you have any questions about whether or not you should get an umbrella policy, or lares ooking for more information on any type of insurance, give us a call at Dalessandro Agency Inc. today. We proudly serve the Grand Rapids, MI area, and we’ll be happy to help you find a policy that suits your needs.