Arnouts Insurance Agency Blog
All You Ever Wanted to Know About Insurance
Can You Insure a Farm in Michigan on a Homeowners Policy?
Monday, July 13, 2026
Trying to insure a working farm on a standard homeowners policy in the state of Michigan can create serious coverage gaps, because homeowners insurance is built for personal, residential risks - not agricultural...
Damage to Others Property – What it covers under a Homeowners Policy:
Wednesday, July 1, 2026
“Damage to property of others” (often called Damage to Others) coverage in a homeowner’s policy is a small, no‑fault provision-typically $500 to $1,000-that pays for accidental damage the insured or a resident family...
Why Matching Coverage for Undamaged Roof, Siding, and Interior Materials Can Protect Your Home’s Value
Thursday, June 18, 2026
When part of your roof, siding, flooring, cabinets, or interior finishes are damaged, the goal is usually to make the home look whole again-not simply to replace one damaged section. Matching coverage can be an...
Loss Assessment Coverage for Condos and HOAs - Is It Worth It?
Friday, June 12, 2026
What Is Loss Assessment Coverage in Simple Terms? A loss assessment endorsement in an HOA or condo insurance policy is extra coverage that helps protect you when the association charges its members for a shared loss. In...
Specialized Insurance for Sportsmen, Hunting, and Rifle Clubs in Michigan
Wednesday, May 6, 2026
Specialized Coverage With Access to Dedicated Insurance Markets Michigan is home to a rich outdoor sporting tradition. From private hunting preserves and rod and gun clubs to rifle ranges and sportsmen associations,...
Who Needs to Be Listed On My Auto Insurance in Michigan?
Wednesday, April 15, 2026
Who Needs to Be Listed on Your Auto Insurance? In Michigan, the specific requirements can vary by insurance company. You might be thinking – my child is at college, do I need to keep them on my car insurance? Or I am...
Michigan Auto Insurance: Qualified Health Coverage (QHC) vs. Coordination of Benefits (COB)
Tuesday, March 3, 2026
Michigan’s no-fault auto insurance allows two important-but very different-concepts: Qualified Health Coverage (QHC) and Coordination of Benefits (COB). Understanding the distinction helps drivers choose the right...
Are Frozen Pipes Covered by Homeowners Insurance in Michigan?
Friday, February 6, 2026
Are Frozen Pipes Covered by Homeowners Insurance in Michigan? Michigan’s long, cold winters are notorious for creating conditions that can lead to frozen and burst pipes. When temperatures plummet, the water inside your...