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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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Coverage Options of Auto Insurance

Optimizing Auto Insurance with Mitten Heritage Fraternal Society of Insurance

Purchasing auto insurance from Mitten Heritage Fraternal Society of Insurance offers you the unique opportunity to personalize your policy. In Romeo and Berville, MI, as part of the state’s mandatory requirements, auto insurance is vital for the privilege of driving. While the state’s minimum standard is 50/100/10 for this type of insurance, it’s customizable to your personal needs.

Expanding Coverage Beyond the State Requirements

Auto insurance encompasses more than just liability coverage. Some drivers, influenced by the mandatory nature of this coverage, may perceive it as the sole provision of auto insurance. However, this is a misconception. An automotive policy can include various coverage types, offering expansive protection for your automobile and well-being.

The state law update in 2020 increased liability requirements and introduced personal injury protection (PIP) coverage as a requisite. PIP safeguards the driver, providing medical coverage even in the event of a single-car accident. PIP coverage can be enhanced, working effectively as a solid supplement to your existing health insurance.

Additional coverage options include comprehensive, collision, and roadside assistance. Collision covers any vehicle damage resulting from an accident, be it a single-car or multiple-vehicle situation. At the same time, comprehensive coverage ensures financial protection if your vehicle suffers damage from a peril named in the policy, such as vandalism or theft. Including roadside assistance guarantees peace of mind, knowing that your policy covers services such as towing, tire service, fuel replenishment, lockout service, and much more. Other coverage options include loss-of-use coverage and rental coverage.

Upgrade Your Existing Coverage

Let us assist you in strengthening your existing auto insurance coverage. By contacting Mitten Heritage Fraternal Society of Insurance, you can comfortably review your auto insurance options and customize your coverage for enhanced protection on Romero and Berville, MI roads.

We LOVE Berville, Michigan!

During a month dedicated to celebrating love, it’s crucial not to overlook the residents of our picturesque community! Our roots are significant to us, and each cheerful face, local business, and town landmark holds a unique and cherished place in our hearts. Here are just a few aspects that contribute to making Berville exceptionally special:

  • Berville used to be known as Baker’s Corners, which got its name specifically to feature the first three letters of the township name.
  • Berville is in St. Clair County which is known as the Blue Water Area for its deep blue water that resembles the ocean.
  • The small-town landmark is an old church that is still standing on the corner of Church Rd. and S. Church Street.

In every corner of our community, we aim to act as partners, helpers, and friends. Our neighbors and citizens hold immense significance, and it is a great honor to be part of Berville. We are excited about the opportunity to forge a connection with you and become the trusted insurance provider for our hometown. Reach out to Mitten Heritage Fraternal Society of Insurance at 844-843-6488 or visit for your complimentary insurance quote, and you’ll experience the warmth of our service – you’ll feel the sense of connection and care.

Why Pet Insurance Is Important for Outdoor Dogs

At Mitten Heritage Fraternal Society of Insurance, we carry pet insurance for a good reason: because it’s a good investment for most pet owners. This couldn’t be more true for dog owners with pets who frequent the outdoors, where a number of potential hazards await.

Here are four of the most common (and costly) risk concerns for these pets:

1. Hazards of Extreme Temperatures

Harsh temps like the frigid ones we face in Berville, MI can make it challenging to keep canines warm in winter, while warm summers can pose concerns, too. Predominantly hypothermia, heat stroke, and dehydration, both of which are potentially deadly and require immediate emergency attention.

2. Parasite Exposure

There are quite a few parasites outdoors, including fleas, ticks, and worms. Not only are they pesky for pets, but they can cause serious discomfort and even diseases, many of which are transmittable to other animals and humans. Many of these issues can be avoided through preventive medicine, but serious infestations tend to require medical treatment.

3. Increased Risk of Injuries

Outdoor activities can be riskier than indoor environments. Common injuries include:

  • Predator Attacks

  • Puncture Wounds

  • Vehicles & Traffic

  • Lacerations

  • Accidental Poisoning

4. Development of Behavioral Problems

Should your canine identify another human or pet as a threat, they can bite or attack them. This can lead to a costly lawsuit that results in thousands of dollars in legal fees. While renters and home insurance may cover that, those policies won’t cover any issues your dog suffers.

We Are Here To Help

If you have a furry friend, regardless of whether they are a cat or dog, having pet insurance helps them get the care they need during both emergencies and routine wellness needs. Contact us today to learn more or get a quote for coverage. Mitten Heritage Fraternal Society of Insurance is here to assist the greater Berville, MI area residents. 

Emergency Preparedness Winter Car Kit

Having the proper items in your car during the winter can be the difference between life and death during a critical situation. The items listed below can help provide comfort and save your life. Along with the following items, you’ll want to be sure you have a fully charged phone before hitting the road. This can also save your life should an emergency arise.

The Basic Supplies:

These are the essentials. Remember that along with these basic supplies, you’ll need an adequate amount of gas. It’s important to check that your antifreeze is at the proper level as well.

  • Blankets – Even having one extra blanket can provide much-needed warmth and protection.
  • Extra clothes such as mittens, socks, hats, and jackets
  • Flashlight with extra batteries
  • Jumper cables
  • Bottled water
  • A proper first aid kit with all the supplies that come in it. If you use something in your kit, replace it as soon as you get a chance.
  • Windshield cleaner
  • A simple multi-tool such as a Swiss Army Knife or a Leatherman Tool
  • Road flares or warning triangles

Extra Supplies:

If your area experiences extreme winter weather, it’s a good idea to keep these extra supplies on hand as well.

  • Non-clumping cat litter for gaining traction in the snow
  • A folding shovel
  • Sleeping bag
  • Small fire extinguisher (Class B or C for your car)
  • Tire changing essentials such as a jack and lug wrench
  • Paper maps
  • Compass
  • Snacks such as canned nuts or granola bars
  • Ice scraper
  • Tow strap or chain
  • Matches or lighter

You can pick from the many options on the market for emergency car kits, or you can take the above listed items and make your own based on your needs. Always remember to check these items and make sure they are still in working order every month. If something needs to be changed out, do so immediately, as you never know when you may need your emergency kit.

Preventing Home Insurance Claims: A Proactive Approach

Protecting your home in the greater Berville, MI region goes beyond just having insurance coverage. Advocating for a proactive approach to prevent home insurance claims, consider these strategies from the Mitten Heritage Fraternal Society of Insurance to save you both time and money.

Routine Home Maintenance Matters

Regular home maintenance isn’t just about curb appeal; it’s a key factor in preventing potential claims. Stay on top of maintenance tasks, from roof inspections to plumbing checks. Addressing issues promptly reduces the risk of larger, more costly claims down the road.

Security Measures for Peace of Mind

Enhancing your home’s security is a proactive way to deter potential risks. Install security systems, robust locks, and motion-sensor lighting to make your home less attractive to burglars. Explore these preventive measures, which not only safeguard your property but may also lead to lower insurance premiums.

Fire Safety Precautions

Fires are a significant risk for homeowners. Ensure your home is equipped with smoke detectors and fire extinguishers, and practice fire safety. Emphasizing the importance of fire prevention, protect your loved ones and minimize the likelihood of extensive insurance claims.

Weather-Related Preparedness

Living in Michigan means being prepared for various weather conditions. Proactive measures such as maintaining trees, cleaning gutters, and reinforcing windows can mitigate the risk of weather-related damage. Be vigilant and take necessary precautions throughout the changing seasons.

Ready to take a proactive stance in safeguarding your home?

Contact us at Mitten Heritage Fraternal Society of Insurance today to learn more about preventive strategies and comprehensive home insurance coverage in Berville, MI. Reach out for personalized advice and explore how a proactive approach can contribute to a safer, more secure home. Your peace of mind starts here.

Home Maintenance Tips: A Winter Guide for Homeowners

Owning a home is a significant investment, and part of responsible homeownership is maintaining your property year-round. In this comprehensive guide, we’ll provide homeowners with a seasonal breakdown of essential home maintenance tasks. These tasks not only protect your investment but also help ensure your insurance coverage remains effective.

Roof Inspection:

  • Check your roof for any signs of damage, including loose or missing shingles. Ensure there are no leaks or areas of weakness that could be vulnerable to winter weather.

Gutter Maintenance:

  • Keep your gutters clean and free of debris to prevent ice dams and water damage. Make sure downspouts are directing water away from your foundation.

Insulate Pipes:

  • Insulate exposed pipes in unheated areas of your home, such as the attic or basement, to prevent freezing and potential burst pipes.

Heating System Check:

  • Schedule a professional inspection of your heating system to ensure it’s running efficiently and safely throughout the winter.

Seal Gaps and Cracks:

  • Seal any gaps or cracks in your home’s exterior to prevent drafts and keep your heating costs down.

Fireplace and Chimney Maintenance:

  • If you have a fireplace, have it cleaned and inspected. Ensure the chimney is clear of debris and functioning correctly to prevent fire hazards.

Winterize Outdoor Equipment:

  • Store outdoor equipment properly and winterize items like lawnmowers and garden hoses to prevent damage.

By following this seasonal guide, homeowners can proactively protect their investment and maintain their insurance coverage effectiveness, especially during the winter months when homes are susceptible to specific weather-related risks.

Why do I need landlord insurance?

Being a landlord is a lot harder than it looks from the outside. Berville, MI landlords have a lot of responsibility, and you are the one who has to step up when anything goes wrong. Mitten Heritage Fraternal Society of Insurance can help you learn how landlord insurance can help. 

What Is Landlord Insurance?

Landlord insurance offers three basic kinds of protection:

  1. You have protection if your rental property is damaged.
  2. Landlord insurance helps cover expenses when a property becomes unlivable, such as after a fire or a tornado. You can’t collect rent on a property that is too damaged, but landlord insurance can help replace that lost income.
  3. If someone is hurt on the property, landlord insurance can provide protection in case the person files a lawsuit. This coverage includes assistance with the legal process, which can be the most stressful part of a case.

Landlord Insurance Does Not Protect Your Tenants’ Personal Belongings

There are a few ways to deal with this. Some landlords simply inform their tenants that they are not responsible for anything that happens to their personal belongings. That can lead to problems, including litigation if there is ever a question about who was responsible. 

You can avoid these kinds of problems by making it a mandatory condition of the lease that all tenants must carry renters insurance. Renters insurance is inexpensive, and your tenants won’t regret having it if they ever need to use it.

Consult With Us

Being a landlord in Berville, MI can be stressful, but you can reduce that stress by having the protection you need. If you are interested in learning about landlord insurance or if you would like to compare policies, please call Mitten Heritage Fraternal Society of Insurance today.

Maximizing Home Insurance Savings:

Practical Tips for Budget-Conscious Homeowners

Owning a home is a significant financial responsibility, and managing household expenses is crucial for budget-conscious homeowners. In this blog, we’ll explore practical strategies and tips to help homeowners save money on their home insurance premiums, building on the concept of cost-saving measures to ensure you’re getting the best value for your coverage.

Shop Around Annually:

  • Regularly compare insurance quotes from different providers to ensure you’re getting the most competitive rates. Loyalty to one insurer may not always result in the best savings.

Bundle Your Policies:

  • Consider bundling your home and auto insurance with the same provider. Many insurers offer discounts for bundling, providing savings on both policies.

Raise Your Deductible:

  • Increasing your deductible can lower your premiums. However, make sure you have enough savings to cover the deductible in case of a claim.

Improve Home Security:

  • Installing a home security system, deadbolt locks, smoke detectors, and fire extinguishers can not only enhance your safety but also qualify you for discounts on your premiums.

Maintain a Good Credit Score:

  • Keep your credit score healthy by paying bills on time and managing your credit responsibly. A good credit score can lead to lower insurance rates.

Review Your Coverage:

  • Regularly assess your coverage to ensure it aligns with your current needs. You may find that you’re overinsured for certain items or that you need to adjust your coverage based on changes in your home or lifestyle.

Ask About Discounts:

  • Inquire with your insurer about available discounts. They might offer special discounts for retirees, veterans, or members of certain organizations. Don’t hesitate to ask.

Maintain a Good Claims History:

  • Avoid filing frequent small claims if possible. Insurance companies may raise your premiums if you have a history of numerous claims.

Review and Adjust Annually:

  • Make it a habit to review your home insurance policy annually. Life changes, and so do your insurance needs. Ensure that your coverage remains aligned with your circumstances.

Consider Umbrella Coverage: – If you have significant assets to protect, consider umbrella insurance. It can provide additional liability coverage at a relatively low cost.

By implementing these practical strategies, you can take proactive steps to save money on your home insurance without sacrificing the protection your home and belongings deserve. Remember that it’s essential to strike a balance between cost savings and adequate coverage to safeguard your home and family effectively.

Auto Insurance Costs

If you own a vehicle, you should own an auto insurance policy. Have you ever wondered how the cost of your policy is determined? There are a number of different factors that impact the cost of your auto insurance. While not all companies use the same parameters, we will help you understand what commonly determines the bottom line of your auto policy.

First, your driving record – The better your record, the lower your premiums. If you have been in accidents or had serious traffic violations, it is likely you will pay higher premiums. How much you use your car is also considered while determining the cost of your premium. The more miles you drive, the more chance for an accident. Even where you park is taken into consideration. Do you park in a secure garage? Or do you park on a street?

Other factors taken into consideration while determining your auto insurance costs are: your age,  the car you drive, and the amount of auto insurance you wish to carry. Mature drivers generally have fewer accidents than beginners. The cost of your car and the amount of insurance coverage you want to carry are major factors in the cost of your policy as well.

There are many different factors that go into determining the cost of your auto insurance policy. Some factors can vary from one area or state to another. To get the best idea of the cost you will pay for auto insurance, contact our agency to request your free auto insurance quote!


Three Things You Probably Didn’t Know Your Auto Insurance Covers

Choosing the appropriate auto insurance coverage isn’t just about choosing between liability, comprehensive, collision, and full coverage. Every insurance policy is different. Many policies include coverage of situations and items in your vehicle that most policyholders don’t even realize they have. This could cause them to supplement their coverage when it is not required.

The following are three things most policyholders don’t realize are covered:

1. Pothole Damage

There is no shortage of potholes in Berville, MI. These can wreak havoc on your vehicle’s suspension and tires over time. Nobody wants to pay for the exorbitant bills that come with repairing a suspension or an axle from something as avoidable as pothole damage. Did you know collision coverage generally covers damage from running over a pothole? Be aware that the claim could increase your monthly premium. 

2. Attorney Fees

If the other party sues you after an accident, your insurance could cover the costs associated with hiring a lawyer. Inform your insurance company right away if you are sued. Time is of the essence in any legal proceeding. The quicker you hire a lawyer, the better your chance of getting a favorable result. 

3. Hotels

You might need an accident if you are out of town when you get into a car accident. In many cases, your insurance policy will cover this cost. You will need to at least have comprehensive coverage if you want your lodging covered after an accident. Check your policy because each one provides a different ceiling for expenses and how long you can stay. 

Mitten Heritage Fraternal Society of Insurance Is Here To Help

If you are looking for the ideal car insurance policy for your needs, contact us at Mitten Heritage Fraternal Society of Insurance for guidance. We will design the best car insurance policy for you as we have been doing in Berville, MI for years. We will also strive to keep your insurance costs within your budget. 

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