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Arnouts Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Insurance for 1st Time Home Buyers - What to Know

A First-Time Homebuyer’s Guide to Home Insurance: What to Know Before You Close - Buying your first home is an exciting milestone-but it also comes with a steep learning curve, especially when it comes to home insurance....

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Service Line Insurance in Michigan - Protect Your Hidden Utilities.

Understanding the Importance of Service Line Insurance in Michigan Michigan homeowners face unique challenges due to varying weather conditions and the age of many homes. This makes service line insurance particularly...

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Ordinance Law Insurance and Coverage: Is It Necessary?

Ordinance or law insurance coverage is an optional add-on to your homeowners insurance policy that can be crucial in certain situations. This insurance coverage helps pay for the increased costs to rebuild your home if...

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Home Cyber Insurance: Your Digital Shield in a Connected World

Our homes are no longer just bricks and mortar – they're digital ecosystems bustling with connected devices, online accounts, and precious personal information. This interconnectedness, while convenient, also exposes us...

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A Guide to Water Backup Insurance

Water Backup is an often over looked coverage. The coverage shields against the financial devastation caused by water backing up from sewers, drains, or sump pump failures. Why You Need It: Standard homeowners insurance...

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Cyber Liability Insurance vs Cyber Crime Insurance

Cyber liability coverage insurance and Cyber Crime insurance are both types of insurance that can protect businesses from the financial losses that can result from a cyberattack. However, there are some key differences...

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Alternate Employer Endorsement For Workers Compensation Policies

The Alternate Employer Endorsement (AEE) is an endorsement added to a workers compensation policy that provides an entity scheduled as an alternate employer with primary Workers Compensation and Employers Liability...

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New Distracted Driving Law in Michigan

The state of Michigan has a hands-free distracted driving law that went into effect on June 30, 2023. The law prohibits drivers from holding or using a mobile electronic device while operating a motor vehicle. This...

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Mini-Tort in Michigan - What Is It?

Mini-tort also known as limited property damage is a coverage that pays your loss or $3000, whatever is less. Please note that “your loss” does not mean how much damage to your car was done, but how much you have to pay....

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Electric Vehicle Insurance - How Is It Different Than Normal Auto Insurance?

As more electric vehicles begin to hit the road and increase in popularity, they bring with them lots of curiosity. One of these items is how to best protect your electric vehicle? Is insurance in the state of Michigan...

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