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Set Sail Safely: Five Tips for Securing Comprehensive Boat Insurance in Grand Rapids

1. Understand Your Coverage Options 

The first step toward choosing the best boat insurance policy to meet your needs is understanding your options. Boat insurance policies operate the same way that auto insurance policies work for cars. Comprehensive boat insurance extends the limits of boating liability insurance policies. It adds financial protection for boating accidents, weather damage, sinking or capsizing, property damage, and a host of specialized coverages. 

2. Boat Insurance works Like Auto Insurance

The primary difference between how your boat insurance and auto insurance policies work is the type of vehicle being covered. 

3. Know the Difference Between Liability and Comprehensive Boat Insurance

Liability insurance options for Michigan boaters meet state minimum requirements and offer basic legal protections for at-fault boating accidents. Boaters seeking a broader range of coverage that includes their vessel and the personal property on board choose comprehensive insurance to extend coverage to themselves, their passengers, vessels, and selected components. 

4. Assessing Boat Value is Essential

It is crucial to assess your boat to learn its true value accurately. Consider factors such as your vessel’s age, make, model, and condition when preparing to insure it. These factors can affect your coverage needs and premiums. A licensed insurance agent can walk you through the process. 

5. Consider Additional Coverage 

If you want to protect valuables like fishing equipment or get towing assistance in a boating emergency, consider add-on coverage to meet these needs. A trusted insurance agent at Dalessandro Agency Inc. in Grand Rapids, MI, can explain how umbrella insurance ensures that your boat and possessions are fully protected. 

Why Is It Called Umbrella Insurance?

Did you think it was for insuring umbrellas? While Gucci has designed an umbrella with a four-figure price tag and actor Danny DeVito still has the spiral-painted umbrella from Batman Returns in his possession, most umbrellas aren’t considered worth insuring. Umbrella insurance gets its metaphorical name because it covers your savings and personal assets, protecting them just in case your primary liability policies aren’t sufficient. 

How It Works

Umbrella insurance comes into effect in the event of a catastrophic loss exceeding primary policy coverage limits. This will prevent your assets from being seized should you be found liable for large damage. It’s just a little extra insurance that’s there just in case you need it, much like someone would take an umbrella with them just in case it rains. Umbrella insurance is a sort of backup plan, expanding your protection rates when faced with a large claim. 

What Does It Cover?

It varies from one policy to another, but typically, umbrella insurance protects you in case of liability for injury and property damage, defamation, false imprisonment, and landlord liability. Associated legal costs will also be covered. It may not cover damage to yourself or your property. If your liability is due to a breach of contract, umbrella insurance won’t cover it. And, of course, if you’ve committed a criminal offense, you’re on your own. 

Contact Dalessandro Agency Inc. in Grand Rapids, MI

Does umbrella insurance sound like something you might need? If so, and you live in the Grand Rapids, MI, area, please get in touch with Dalessandro Agency Inc. Our congenial and sagacious agents will help you find the policy best suited to you and your needs.  

Life Insurance for the Elderly: Finding the Best Policy

If you’re elderly or have a friend or relative who is elderly and in need of life insurance, you may have some important questions. People typically don’t wait until their golden years before purchasing life insurance, but sometimes, life insurance never comes up until a person is over 65. Regardless of the reason for waiting until a later age to find life insurance, there are some ways to find the best policy possible in Grand Rapids, MI, and here are some tips for making it easier.  

Do Your Homework

There are many different types of life insurance policies that senior citizens are eligible for, so instead of purchasing the first plan you find, take your time to do your research. By performing adequate research, you will find that seniors are eligible for: 

  • Term life insurance
  • Whole life insurance
  • Guaranteed universal life insurance
  • And many more

Determine Your Goals

If you’re a relatively healthy older adult, you might have different goals than if you suffer from poor health. Whatever the case, determine your goals and needs before trying to find the perfect life insurance policy. Only then can you find the best plan that will meet the needs of you and your loved ones. 

As you can see, a person can purchase a life insurance policy at any age, and sometimes, physical exams and medical questions can be avoided. If you’d like advice about buying life insurance late in life or need a new insurance provider, you should give Dalessandro Agency Inc. a call. Not only are we at Dalessandro Agency Inc. accepting new customers, but we also provide coverage for the Grand Rapids, MI, area. Call us today for a quote so we can start your policy immediately. 

Annual Policy Reviews for Your Recreational Insurance Policy

The many natural recreational areas near Grand Rapids, MI, make it a popular area, and those who reside here often own a few types of recreational equipment, such as boats, jet skis, snowmobiles, etc. At Dalessandro Agency Inc., we want to explain why your recreational policy needs an annual review.

Covering New Recreational Toys

Owners of recreational vehicles and watercraft frequently purchase more equipment. An annual policy review helps the policy owner discover when they need to add a new purchase, such as an ATV or jet ski, so it also receives coverage. Any insurance policy covers only what the policyholder owned when they purchased it unless they specifically added a new item to it.

That means the recreational policy purchased to cover a jet ski bought in 2020 only covers it. When the owner buys another jet ski in 2023, the existing policy does not automatically cover it. The policy owner must contact their insurance agent to add the second jet ski.

Annual Reviews Uncover Coverage Holes

When you consult with your insurance agent about your recreational toys, you may discover that your policy can cover many types of vehicles. A recreational policy can cover watercraft, snowmobiles, and land vehicles, such as dune buggies, all on the same policy. You only need to add scheduled coverage for each. That means you specifically list the item in the policy and state its value.

Contact Dalessandro Agency Inc. Today

Contact Dalessandro Agency Inc. today to schedule your free recreational insurance policy review. Let us help you ensure that all your recreational toys receive insurance coverage before you enjoy the great outdoors around Grand Rapids, MI. Call us today!

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!