Home Insurance Coverage of Personal Property

If you own your home, you probably understand that your home insurance policy covers the damage or loss of your home. What about all of the items inside the house, your personal property? Well, in Michigan, that is covered by your home insurance policy too.

Guy Hurley McNeil Insurance & Surety Services in Rochester Hills, MI provides home owner’s insurance to the entire state of Michigan.

Types of Home Owner’s Insurance

There are two main types of home owner’s insurance in Michigan. They are:

  • Broad coverage (HO-2)
  • All Risk coverage (HO-3)

A broad policy covers damage from specifically listed perils while an all-risk policy, the most common type, covers the home from all risks other than those that are specifically excluded. All risk policies generally include the contents of the house and your personal property against perils that are covered like those in broad coverage. Broad policies are also referred to as “named peril” policies as the risks protected against are designated within the policy.

A typical policy has seven significant parts that are denoted by consecutive letters, A through G. The section dealing with your personal property is part C. Each section has its own exclusions and limitations and needs to be carefully understood to ensure that the protection you have is the protection you need.

On-Premises or Off-Premises

The protection extended to your property does not end when it leaves your home. This coverage may have further limitations than those for your items while on-premise.

Furthermore, certain items are considered “special items.” These items have specific limits and may need additional coverage. Special items may include:

  • Furs
  • Computers and electronics
  • Jewelry
  • Cash

Having an inventory of your property can help you to ensure you get the right coverage.

For more information, give Guy Hurley McNeil Insurance & Surety Services a call at 586-731-1180 or stop by our offices in Rochester Hills, MI today.

What About the Other Guy in an Accident?

Auto accidents typically involve more than just the car you’re driving. Unless you become distracted on your own, most accidents involve a combination of human actions and two more drivers. Now if everyone follows the rules, that means all involved should have auto insurance to cover damages and their responsibilities. However, many folks only have the minimum coverage required by law. That can be a problem when their coverage doesn’t come close to covering all the costs for medical injuries and property damage you might have suffered. A serious hospital bill in Rochester Hills, MI alone can be well over $15,000 by the time all the medical charges are accounted for, and that doesn’t include loss of wages and property repair bills. For example, coverage on a motorcycle might be minimal, but it can trigger big costs if you run off the road to avoid one.

According to the cases that Guy Hurley McNeil have seen, insufficient coverage drivers can be just as much of a problem as those with no insurance whatsoever. However, the way to deal with this problem is to use prevention. Folks in Rochester Hills, MI can access the same comprehensive auto policies as elsewhere which means they retain coverage for the difference in care and repairs that a driver with a limited policy may not be able to address. That means covered drivers can get back to their lives and restore their vehicles without having to settle for less, being stuck with injuries that become permanent due to a lack of sufficient care, and lost wages are no longer lost. To find out more about how you can get an auto insurance policy that takes into account your needs as well as what the other guy didn’t cover for you, give Guy Hurley McNeil a call today. You’ll be glad you did if an accident does happen.

Is Your Home Prepared for a Fire?

You may have found your dream home in Rochester Hills, MI, but you never know what will happen in the future. That’s why you have to prepare in advance. Guy Hurley McNeil offers you assistance in doing so, especially when it comes to fire preparedness. 

Smoke Detectors

Make sure you have smoke detectors on every floor of your home. It helps to place them outside of the bedrooms to alert people of a fire while they sleep. You should check your detectors once per month. If you test it and it doesn’t work, replace the batteries immediately. 

Your Important Documents

Always make sure you place your important documents, like your birth certificate and marriage license, in a fireproof and waterproof box. This gives you at least a chance of keeping all your documents in the event of a tragedy. 

Have a Plan

Know at least two ways to get out of your home from every location in the house. Make sure you educate everyone in your home of the escape plans and have a meeting place. 

Have Routine Fire Drills 

To make sure everyone in your home is ready in the event of a fire drill, hold routine fire drills to practice. Make sure kids know to "stop, drop, and roll" if they should happen to catch on fire. 

Homeowner’s Insurance

Make sure your homeowner’s insurance policy covers you in the event of a fire. Always keep your policy up-to-date, even if your home is paid off. If you don’t currently have a policy, talk to an agent and discuss your options to guarantee you have coverage in the event of a fire. 

To get a quote for a homeowner’s insurance policy, contact Guy Hurley McNeil, serving Rochester Hills, MI and the surrounding region, by calling 586-731-1180 today. Also, try our online rating tool for a quote on home or auto insurance.


Auto Safety Reminders for Springtime

With an increase in road trips and warmer weather, it’s a good time to remember some key auto safety issues. Here they are, courtesy of Guy Hurley McNeil serving Rochester Hills, MI. 

Seatbelts are not optional. They are there for a reason, so keep them on at all times, and make sure all your passengers also wear them when in your vehicle. Make sure babies and children are in properly installed car seats and boosters.

Lights on Autos
Be sure all headlights and tail lights work properly. Keep up to date on your vehicle inspections that will check for any malfunctioning lights or other vital issues.

Tires and Other Equipment
Check for proper tire inflation, or have your mechanic do so. Ensure that all other equipment is working as it should. Replace your windshield wiper blades as needed, and always have plenty of windshield cleaner fluid. Keep up with routine vehicle maintenance, such as oil changes, tire rotations, and tune-ups.

Driving Focus
When you are driving, keep your eyes on the road. Give your complete focus on your driving. Put away cellphones and other devices. Distracted driving is incredibly dangerous, so don’t do it. And never drive when you have been drinking any alcohol. Ask a designated driver to do the driving.

Rest and Relaxation
Make sure you are well rested when driving because driving when drowsy can be just as dangerous as drunk driving. Make sure you’re relaxed and not tense while driving. Be proactive and stay safe not only during the spring but also all year long.

With these safety tips in mind, you are bound to have some great adventures this spring while keeping you, your passengers, and other people on the road safe. For information about auto insurance, please contact the agents of Guy Hurley McNeil, serving Rochester Hills, MI, to get a quote and have your questions answered.

What are the Benefits of a Home Security System?

Home security systems use the latest technology to protect your home on many different levels. In Rochester Hills, MI, Guy Hurley McNeil can answer any insurance questions you may have when it comes to how a home security system can protect your home and family from different types of disaster.

Minimizes Your Risk of Financial Loss 

A home security system is designed to perform several tasks. Not only will it record video of your property and what is happening there, it will notify the proper authorities in real time and also send you text messages or alerts via email or through a convenient mobile app. Many of today’s home security systems also offer home automation so you can take care of things around your home, even when you aren’t there. 

Protects Your Family From Environmental Hazards

Most home security systems today also have environmental hazard detectors. These include sensors that set off an alarm if the carbon monoxide or radon levels get too high. Temperature sensors can notify you if there is a significant rise or drop in temperature and moisture sensors will notify you if there is a water leak.

Installing a home security system can dramatically reduce your risk of financial loss in case of an emergency. Insurance companies recognize the benefits of a home security system and may choose to offer discounted rates to homeowners who subscribe to a 24/7 monitoring service. Guy Hurley McNeil is available to answer questions for residents who live in the Rochester Hills, MI area. Call today for a free consultation or insurance evaluation to find out if installing a home security system could offer you significant financial benefits. 


What Can Happen if You Do Not Have Auto Insurance?

Owning a vehicle is something that many people want to do or are already doing. However, when you own a vehicle in Rochester Hills, MI, that is only part of what you need to do to make sure you are compliant with any laws. In Michigan, it is illegal to drive any vehicle without the minimum amount of auto insurance on the vehicle. If you want to stay out of trouble with the law, you need to get an auto insurance policy from Guy Hurley McNeil that meets these requirements. If you do not, you can face some serious penalties. 

What Can Happen if You Do Not Have Auto Insurance?

If you are ever caught driving without auto insurance in Michigan, you can face several different penalties. These include having your license suspended, not being able to renew, replace, or transfer your license plate and registration, a $50 fine or greater, and your license plate could even be canceled. You will also be blacklisted from any preferred insurance carriers for at least six months and can pretty much guarantee a higher insurance rate because you will be listed as a high-risk driver. If you are involved in an accident, you can get even higher penalties and will also be responsible for any repair costs if the accident is your fault. These fees and costs can add up.

You want to have auto insurance if you own and operate a vehicle in Rochester Hills, MI. If you do not have an auto insurance policy or if you would like to make sure that your policy meets the state minimum requirements, be sure to reach out to us today at Guy Hurley McNeil. We can take a look at your current policy, and we can also get a free quote for you so you can make sure you are covered and that you are getting the best price.

How Do Pets Affect Your Home Insurance?

Pets can be like family. However, depending on the kind of home insurance policy you choose, pets can affect your insurance in various ways. Let Guy Hurley McNeil in Rochester Hills, MI help you learn more about how a pet and your home insurance work together.

Pets and Home Insurance

Home insurance is known for protecting your property from damage and all the belonging that you may have in it. It can also protect you from liabilities in case someone is injured in your home. You may be wondering, what happens if your dog bites a guest or your pet damages your neighbors’ property?

Having a liability policy is essential in this situation, as it caters for the cost of replacement of the damaged property. It also helps to pay the medical bills if your pet were to cause injuries to a person. Moreover, it may help you pay the legal fee if the victim decides to sue you for the damages.

However, owning a pet affects your premiums. When purchasing home insurance, you should evaluate the policy and check if your pet is listed. If you want a pet, you should know that your premiums may increase. This is because if you have not added your pet to your home insurance coverage, the insurance policy could be declared void and this may cost you thousands of dollars to pay for the legal and medical expenses where a liability policy is not applicable. This is the major reason why you should consider adding your pet to your policy.

Dangerous and Exotic Pets

If you own a dangerous or exotic pet like a snake, you will need to add an extra rider for additional protection. A dog or cat may not increase your policy, although, in some circumstance, it may. The increase depends on the breed, size and history of pet you are keeping. Some kinds of dogs such as the German Shepherds and wolf-dog hybrids are associated with higher premiums. This is because, although they can be trained to be excellent pets, they are associated with aggression thus requiring extra care and protection.

Adding your family pet to your homeowner’s insurance policy in is crucial. Reach out to the agents of Guy Hurley McNeil in Rochester Hills, MI to learn more about how a pet can affect your home insurance policy.