: About Me

I have been a licensed independent insurance agent in Michigan since 2001. My license covers property and casualty insurances. I have also served on the board of directors of a local mutual insurance company since 2005.

Remember, when reading my insurance industry articles, I am a Michigan agent only. Every state has its own set of insurance regulations. I might not be aware of certain issues that don't pertain to Michigan insurance law. I also do not hold any special accreditations other than my standard license. If you have any specific questions, it is always best to consult your local agent.

I am a Past Master of my local Masonic Lodge and I am also an active Shriner, serving as the local circus treasurer.

Personal Finance > Home Insurance How to insure homes against natural disasters

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In order to properly insure your home against natural disasters, you need to understand what your homeowners policy protects against.  Policy forms can vary from company to company and state to state, but they all derive from a common source.  There are three forms of home policies based off of the perils they insure against, Basic, Broad and Special.  Each successive form covers more possible damages, but in the case of natural disasters, if it is covered under the home policy, they would all fall under the Basic Form policy’s covered peril list. A quick list of natur...

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