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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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Three Types Of Siding Upgrades You Can Make for Your Home

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Many homeowners in the Berville, MI area, and surrounding communities often look for the best ways to improve and upgrade their homes. Below are three types of siding upgrades you can enjoy at home and get a higher property value. 

1. LP SmartSide

One of the newer siding options, LP Smartside, is a siding that is highly durable and easy to customize if you like to change up the look of your home pretty often. This is an engineered hardwood that is treated and meant to manage different weather exposures. It has a lifespan of up to 50 years as long as you maintain it regularly and use the right paint when changing the color. It is more expensive, but it’s an investment that will make your home look great and protect it from the elements. 

2. Hardie Board

The love for the Hardie board has grown substantially in the last decade. It is one of the most durable options and gives your home a modern look and appeal you’re finding in custom home builds and even in some suburban communities. It has some cement in the siding, and if you want to have the boards painted, the manufacturer does this in-house. 

3. Metal Siding

Another trend taking off is the addition of metal siding to homes because of their durability and low maintenance. They are also more affordable than some of the other options out there and help make the home more sustainable. You can easily upgrade as long as you’re happy with this more modern look in your home. 

If you’re looking for a personal quote for home insurance in the Berville, MI, area, contact Mitten Heritage Fraternal Society of Insurance today. 

What to Ask Your Agent About Landlord Insurance

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Property investment and renting can be excellent strategies for building a wealth portfolio, preparing for retirement, and dipping your toes in the world of real estate. One crucial step in the process is ensuring that these properties are rightfully insured to safeguard your investment. If you’re in the Berville, MI, area, the Mitten Heritage Fraternal Society of Insurance can assist you in acquiring a a reliable landlord insurance policy tailored to your needs.

Why Trust Mitten Heritage with Your Insurance Needs?

Before securing a policy for your rental properties, it’s essential to have a few candid discussions with your agent. We recommend soliciting quotes from various insurers, allowing you to juxtapose the advantages and variances between them. Our skilled agents strive to simplify your search by employing their extensive knowledge, thus speeding up the otherwise arduous process.

Make Informed Decisions

Rely on our experienced agents for advice and insights from their time in the insurance industry. They comprehend the fine points of landlord policies and can guide you on coverage limits and other significant details. By asking the right questions, you’re better informed to pick a policy that will serve your short-, medium-, and long-term needs.

Get in Touch with Us Today!

If landlord insurance is on your agenda and you’re located in the Berville, MI region, contact Mitten Heritage Fraternal Society of Insurance today. Our primary goal is to help you feel secure and assured with a policy that matches your requirements. Managing rental properties shouldn’t be permeated with dread of unforeseen circumstances. With our dedicated agents and their commitment to reliable coverage, we’ve got your back.

Coverage Options of Auto Insurance

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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.

Why Pet Insurance Is Important for Outdoor Dogs

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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. 

Preventing Home Insurance Claims: A Proactive Approach

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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.

Why do I need landlord insurance?

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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.

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

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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. 

Types of Pet Insurance and Coverage Options

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Pet insurance is a kind of health insurance policy for pets, and depending on the coverage you choose, it can pay for medical expenses and even other costs. Our pet insurance plans at Mitten Heritage Fraternal Society of Insurance in Berville, MI may be reimbursement-based or directly paid to the vet after any deductibles. Let’s discuss the most common pet insurance plan types.

Policies to Protect Pet Wellness and Your Wallet

There are several plan options available for pet insurance, and it’s likely that we accept most provider’s policies. Some to consider include:

Comprehensive Coverage

If you want your pet to have the best coverage possible, choosing a comprehensive policy is the way to go. Often called a “nose-to-tail” policy, this option covers:

  • Routine Checkups & Wellness Plans
  • Vaccinations
  • Diagnostic Testing
  • Injuries
  • Chronic & Hereditary Conditions
  • Flea, Tick & Heartworm Prevention

Accident and Illness Coverage

These policies generally cover veterinary bills related to physical injuries and hereditary and common conditions. Serious conditions, such as cancer, are also covered. However, routine wellness exams, vaccinations and other routine preventives are not covered under this policy.

Pet Wellness Coverage

For pet owners only looking to cover routine veterinary checkups and wellness-related expenses such as vaccinations and pest prevention this is an affordable plan. Those who want extra protection can add this coverage to an illness or accident plan.

Accident-Only Coverage

If a pet is injured in an accident, this policy will help cover related expenses. However, no illness-related or wellness coverage is included.

Schedule A Consultation Today

At Mitten Heritage Fraternal Society of Insurance in Berville, MI, we offer a full array of insurance options for home, auto, life, and even your furry friends. We are locally owned and operated but offer those in Macomb County and all of Michigan affordable policies. Contact us today for a quote.

Chimney Safety Tips

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Leaning towards an old wood-burning fireplaces to help cut your heating bill this winter? Before you spark a log you should know, fireplaces and chimneys are involved in 42% of all home-heating fires. So before you use your fireplace, ensure you know how to properly use it and follow these safety tips.

  1. Hire a chimney sweep – The National Fire Protection Association recommends that chimneys be swept at least once a year to remove soot and debris. A professional chimney sweep should also inspect for any damages.
  2. Cap your chimney – Chimney caps will keep rain, birds, squirrels, and debris from entering your chimney. Repair or replace a missing or damaged cap.
  3. Burn seasoned hardwood – Choose dense wood that has been split and stored in a high and dry place for at least 6 months.
  4. Don’t overload – Small fires generate less smoke and less creosote buildup. Large, hot fires can potentially crack your chimney.
  5. Build it right – Place logs at the rear of the fireplace on a metal grate. Use kindling instead of flammable liquids to start the fire.
  6. Use a spark guard. Spark guards will prevent embers from shooting out of the fireplace. A guard in front of the fireplace is especially important when the room is unoccupied.

Winter is coming. It will be here before we know it. Get everything prepared for the cold months now before it’s too late! Stay warm and safe all winter long. Another good tip is to contact our agency to review your homeowners insurance policy before you strike a match.




Source: https://www.thisoldhouse.com/fireplaces/21018422/how-to-prep-your-fireplace-for-the-cold-season

When should you review your home insurance?

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Home insurance is something that needs to change as you and your home change. It needs to be reviewed to make sure that it is meeting your current needs. At Mitten Heritage Fraternal Society of Insurance in Berville, MI we have been providing personalized service to our customers since 2012.  

When your policy is renewed

Most home insurance policies are reviewed yearly. When you get your policy, whether it is a paper copy or a digital copy, you should read the Declaration Page. This gives you all the details of your coverage. You will see the amount of property coverage you have, coverage for additional structures, content coverage, and liability coverage. Any additional coverage and discounts you are eligible for will also be listed. You should study it diligently to determine if it makes sense to you. 

When you make major renovations

If you have increased the square footage of your home with an addition or by finishing your basement or attic, it can increase the value of your home. If you do bathroom and kitchen upgrades, this can also increase the value of your home. Be sure to let your insurance agent know if any of these things apply to you. 

When your need for liability coverage increases

If you have added a pool to your home or gotten a trampoline for your children, your liability has increased. If you have added a dog to your home, this also increases your liability. 

When you install safety equipment

If you have added a home security system to your home this can make you eligible for a discount. This also applies to other safety equipment like smoke detectors. 

We Are Here To Help

Contact Mitten Heritage Fraternal Society of Insurance in Berville, MI when you need an independent insurance agency to help you with your home insurance needs. 

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