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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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How pet insurance makes owning a pet more affordable

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Choosing to become a pet parent is a significant decision, akin to starting a family. A pet relies on its owner for all its basic needs, including food, water, and shelter. Ensuring your pet’s health is also a crucial aspect of pet ownership. However, with inflation impacting discretionary spending, the financial commitment of owning a pet can be challenging.

At Mitten Heritage Fraternal Society of Insurance in Berville, MI, we assist our customers by offering pet insurance, making pet care more affordable. A monthly premium is often easier to manage than a large, unexpected bill.

What Does Pet Insurance Cover?

Pet insurance policies are tailored to individual needs. The cost and coverage depend on the breed, size, age of the pet, and your location. If your pet develops a chronic condition, that will also influence what is covered. Most pet insurance plans cover injuries and illnesses. There is a deductible, and coverage is often not 100%. However, given the cost of these services, insurance can significantly ease the financial burden of necessary care.

What Isn’t Covered by Pet Insurance?

Most pet insurance policies do not cover pre-existing conditions. Grooming, boarding, and experimental treatments are typically not included.

Additional Coverage Options

Some policies offer coverage for wellness visits, and some even cover the cost of microchipping your pet, making them easier to locate if they get lost.

Pet insurance makes it feasible to afford the care that your pet needs. Contact our office at Mitten Heritage Fraternal Society of Insurance in Berville, MI, to discuss how we can assist you with pet insurance for your beloved pets.

How to Make Sure Your Home Insurance Policy Is Up-to-Date

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Many homeowners purchase home insurance when they first buy their home, then tuck the policy away and forget about it. However, it’s essential to regularly review your policy to ensure it remains up to date. Your insurance representative at Mitten Heritage Fraternal Society of Insurance in Berville, MI, can assist with this. Consider if you’ve experienced any of the following life changes, or similar ones:

Adding a Pet to Your Household

Bringing a pet into your home is an exciting event, but it also introduces new responsibilities. Certain breeds may affect your liability coverage. It’s essential to ensure your policy covers potential dog-related incidents, especially if your pet is new to the home.

Home Renovations

If you’ve renovated your basement, added a deck, or updated your kitchen, it’s time to inform your insurer. These improvements alter the value and features of your home and may not be covered unless your policy is updated to reflect them.

Starting a Home-Based Business

Operating a small business or side hustle from your home—whether it’s baking, consulting, or crafts—may require additional protection. Standard home insurance may not cover business-related equipment or liability.

Installation of New Features

Adding a new wood-burning stove, swimming pool, or even a backyard trampoline changes your home’s risk profile. These features should be reported to ensure proper liability and property protection.

Lifestyle Changes

If you’ve recently welcomed a child, had a family member move in, or are caring for an elderly parent, it’s wise to review your coverage. More people in the home can mean greater responsibility and different protection needs.

In Michigan, with its mix of rural, suburban, and urban living, your home situation can change rapidly. Regularly reviewing your policy with Mitten Heritage Fraternal Society of Insurance in Berville, MI, whenever these life changes occur ensures your coverage accurately reflects your current lifestyle.

Buying a Home to Rent to Others? What You Need to Know About Landlord Insurance

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Mitten Heritage Fraternal Society of Insurance knows that Berville, MI, residents always look for ways to improve their income. For example, buying a home to rent provides a steady passive income for many people, especially if they’re smart and pair it with great landlord protection.

Becoming a Landlord is a Tricky Experience

When buying a new house specifically to rent, you’re making a smart but challenging investment. After all, you must think of others now: you can’t ignore that. Furthermore, you’ll need specialized insurance that protects your investments and your renters at the same time.

Why is that the case? Homeowner’s insurance does NOT cover a dwelling that you’re not living in at the time. So, if you’re renting a room in a house (common), you don’t need landlord insurance, though tenants may want renters insurance. If you’re not living in the home, you NEED landlord protection.

What It Covers

A typical landlord insurance policy covers your investment in style and usually includes:

  • Liability protection that covers medical or legal costs to tenants and visitors
  • Property damage caused by a variety of natural problems and bad tenants (the last point is KEY)
  • Lost rental income (if your property becomes uninhabitable due to various issues)
  • Guaranteed income that protects you if your tenant doesn’t pay for a month (bonus coverage)
  • Flood insurance to protect against natural disasters or plumbing errors (extra protection)
  • Emergency coverage that helps pay for emergencies related to your tenants (added policy)

Take Your New Investment Seriously

As a new landlord, you must take every step possible to keep your property safe. Thankfully, Mitten Heritage Fraternal Society of Insurance can protect Berville, MI, residents like you by finding landlord insurance that makes sense. We work hard to ensure all our clients get the help they deserve.

Why Choose An Independent Insurance Agent When Getting Auto Insurance?

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When you need car insurance, it’s crucial to choose the right insurance agent for your needs. A good insurance agent can help you find a policy that fits your budget and provides the coverage you need for your vehicle. That’s why so many people turn to Mitten Heritage Fraternal Society of Insurance servicing Berville, MI. As independent insurance agents, we can help you find the type of car insurance you need. Are you wondering why getting an independent insurance agent to help with your auto insurance is beneficial? We can help. Here’s what you need to know.

What Is An Independent Insurance Agent?

An independent insurance agent does not work for one specific insurance company. Instead, they work with many insurance carriers and can offer products from any one of them.

If you’re shopping for the right insurance policy and want quotes from several carriers, your independent insurance agent can help you.

Why Choose An Independent Insurance Agent When Getting Car Insurance?

There are many advantages to choosing an independent insurance agent.

  • Independent insurance agents are not loyal to specific insurance carriers – they are loyal to their clients.
  • Independent insurance agents can shop around until they find the best insurance policy for their customers.
  • Independent insurance agents don’t have quotas imposed by insurance companies so that they can make the best decisions and recommendations for their clients.

Need Car Insurance? Call Today

If you need car insurance, we can help. The independent insurance agents at Mitten Heritage Fraternal Society of Insurance, servicing Berville, MI, can help you shop around for car insurance. Call us to get quotes from multiple companies.

What Does Pet Insurance for an Exotic Pet Cover?

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Dogs and cats aren’t the only pets that need health insurance coverage. Pet lizards, snakes, hamsters, gerbils, birds, and other animals also require quality healthcare. Exotic pet policies are designed to help Berville, MI pet owners get the coverage they need for their beloved animals.

What’s Typically Covered Under an Exotic Pet Insurance Policy?

Coverage varies depending on the policy you choose. It’s crucial to read your policy’s fine print before you sign. However, certain forms of coverage are standard for most exotic pet policies.

Accidents

If your pet has an accident that damages bones or soft tissue, exotic pet insurance will cover the cost of surgery and other medical treatments.

Illness

Exotic pet insurance covers illnesses, including the cost of diagnosis, treatment, and prescription medication. However, it does not cover sickness related to a pre-existing condition.

What’s the Difference Between Exotic Pet Insurance and a Wellness Plan?

A pet wellness plan covers routine care, such as regular check-ups and vaccinations. Exotic pet insurance covers unexpected incidents as they occur.

Contact Mitten Heritage Fraternal Society of Insurance for Help Finding an Exotic Pet Policy

Mitten Heritage Fraternal Society of Insurance offers Berville, MI pet owners multiple policy options to help them provide top-tier care for all types of pets. We can also offer expert advice that will help you pick a policy that best meets your current needs. Get in touch with us to find out more, explore policy options, and/or get policy quotes.

The Role of Home Insurance in Protecting Your Family’s Sentimental Items

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Your home holds all the memories that you have created throughout your life. At Mitten Heritage Fraternal Society of Insurance, serving the greater Berville, MI area, we understand that some of your most valuable possessions aren’t just your flat-screen TV or expensive appliances—they’re the sentimental items that hold your family’s history and heart. Protecting these treasures with the right home insurance policy is essential.

What Are Sentimental Items?

Sentimental items are irreplaceable things that carry deep emotional value. Think of your grandmother’s wedding ring, the old photo albums passed down for generations, or your child’s first handmade craft. While these items might not carry a high monetary value, their worth to your family is immeasurable. Unfortunately, life’s unpredictable events—like fires, floods, or theft—can put these precious possessions at risk. That’s where home insurance comes in.

How Home Insurance Helps

Standard home insurance policies often cover personal belongings, including sentimental items, in the event of a covered loss. However, it’s important to understand the limits of your policy. High-value items like jewelry or antiques may require additional coverage, known as a rider or endorsement, to ensure they’re fully protected. Taking inventory of your sentimental items and documenting their details can also help when filing a claim. Photos, appraisals, and receipts—if available—can make the process smoother and ensure you get the compensation you need to recover.

Protect What Matters Most

At Mitten Heritage Fraternal Society of Insurance, we provide home insurance to residents in and around Berville, MI. We’re here to help you safeguard the things that mean the most to you. Contact us today to learn how our tailored home insurance policies can provide peace of mind for your family’s sentimental treasures.

Landlord Insurance: For You and Your Property

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Being a landlord has many benefits, including the potential to make a good living and the freedom it offers. The headaches of owning and managing properties, however, are also something that many landlords have openly complained about. From the cost of property repairs to costly tenants, managing these concerns is also a key to having a successful business and being able to enjoy the rewards of being a landlord. That is also why so many property owners in and around the Berville, MI area rely on the experienced and professional team at Mitten Heritage Fraternal Society of Insurance for all their landlord insurance needs.

Protect You and Your Property with Landlord Insurance

Even with the greatest tenants in the world (and they are out there), managing, maintaining, and operating even a single rental property can get expensive. One fire, major storm, or less-than-perfect tenant can result in thousands of dollars in damage. That is also why an investment in landlord insurance can make a difference for rental properties and their owners. That is why working with a proven and professional agency for the insurance solutions you need for you and your rental property is important.

Landlord Insurance for Berville, MI Area Landlords

From repairs for your property caused by storms or tenants to liability claims and more, protecting your rental property, your business, and yourself begins with the right insurance solutions. Do you have questions or want to learn more about landlord insurance options? Contact us to find out more and schedule an appointment to protect your property, assets, and more with the protection you need and deserve at the Mitten Heritage Fraternal Society of Insurance today.

Thanksgiving Safety Check

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Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips.

  1. Stay in the kitchen when cooking on the stove top.
  2. Stay at home when cooking your turkey and check it frequently.
  3. Keep children at least 3 feet away from the hot stove.
  4. Heat cooking oil slowly and watch it closely; it can ignite quickly!
  5. Keep a lid nearby to smother small grease fires. NEVER throw water on a grease fire!
  6. Always use turkey fryers outdoors and on level ground.

In 2017 the U.S. fire department responded to an estimated 1,600 cooking fires on Thanksgiving. Keeping fire safety top of mind in the kitchen during the holiday will keep you from having a Thanksgiving disaster! (Agency name) hopes you and your family have a safe and joyous Thanksgiving!

Sources:

https://www.nfpa.org/Public-Education/Fire-causes-and-risks/Seasonal-fire-causes/Thanksgiving
https://www.dhs.gov/blog/2010/11/24/thanksgiving-safety-tips-us-fire-administration-usfa

Is Full Coverage Insurance Always Recommended?

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If you’re like most drivers in Berville, MI, you want to ensure your car or truck has adequate coverage. If you’re financing a vehicle, the bank often requires full coverage insurance. However, are there ever situations when full coverage insurance isn’t recommended? In some situations, full coverage insurance may not be the most affordable or even necessary. Here is an overview of situations when full coverage insurance may not be recommended.

  • Your car is older: If your vehicle is older than 10 years, the cost of paying for full coverage insurance might not be worth the low value of your older vehicle.
  • You don’t drive often: If you drive very infrequently, yet your car is paid off, the cost of full coverage insurance might not be recommended.
  • You have adequate resources: If you could easily replace or repair your car should it become damaged or destroyed in an accident, paying high premiums might be unnecessary.
  • You live in a low-risk area: If you live in an area where the risk of theft, vandalism, or natural disasters is low, you could possibly forego full coverage.

Full coverage insurance has many benefits, even if your car is older or has been paid off, and if you want that extra peace of mind, then by all means, choose full coverage no matter what. However, you can settle for liability if it’s not mandatory for you. If you need a new auto insurance provider and are a Berville, MI resident, you should consider Mitten Heritage Fraternal Society of Insurance. At Mitten Heritage Fraternal Society of Insurance, we value our customers, which is why we provide top-notch coverage as well as customer service. Contact us for a quote today.

Pet Insurance – Lifetime Protection for Your Cat

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A pet insurance policy can shield you from the financial consequences of accidents and illnesses that your cat may encounter. Discover how lifelong protection can benefit you as a pet owner, and explore coverage choices that can furnish your pet with essential services.

Pet Coverage

Pet insurance underwrites animal hospital visits and veterinarian consultations, which may be vital throughout your pet’s lifetime. The policy reimburses a portion of the financial outlay you shoulder for each hospital and private practice visit.

Pet coverage empowers you to seek medical services promptly. Your coverage could inspire you to pursue treatments you might typically find financially overwhelming. With pet insurance coverage in place, your cat can relish the care level it needs and deserves.

Covered Services

Insurers present an array of policies. You can opt for policies covering accidents, illnesses, or a blend of accidents and illnesses. Typically, your policy could also encompass some standard services. Here’s a list of some services that insurers include in some of their pet insurance plans:

  • Examinations
  • Treatment procedures
  • Preventative care
  • Behavioral care
  • Emergency care

About Your Pet

When signing up for a pet insurance policy, you need to disclose your cat’s breed and age. The insurance firm relies on these details to match you with the appropriate coverage. Remember, any preexisting conditions that your cat has been diagnosed with might not be covered by the pet insurance plan.

Pet Insurance Services in Berville, MI

At Mitten Heritage Fraternal Society of Insurance, our agents offer comprehensive services. Agents serving Berville, MI will schedule an initial appointment for you. After gleaning comprehensive information about your cat, the agent will generate your new pet insurance policy document.

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