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Category: tips

  • Auto Insurance

    The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your […]

    September 14, 2023

  • Extend the Life of Your Roof

    Your roof should last many years, depending on the quality and methods of construction, and the materials used. However, you can help prolong the life of your home’s roof by following these inspection and maintenance recommendations. Frequent visual inspections are important to watch for loose or missing roof covering (like shingles, tile or metal panel), […]

    August 22, 2023

  • Why home and auto insurance rates are continuing to rise in 2023

    Why home and auto insurance rates are continuing to rise in 2023 Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your […]

    August 16, 2023

  • Questions to Ask Before Buying Boat Insurance

    Do you own a boat and are you looking for insurance coverage but don’t know where to start? If can seem overwhelming at first, and that’s why it can be a good idea to seek advice from an insurance agent. We spoke with a Foremost marine product manager to gain some insight on boat insurance, […]

    July 14, 2023


    HARDENING YOUR HOME Prepare for wildfire and harden your home now. There are three ways your home can be exposed to wildfire: direct flames from a wildfire or burning neighboring home; radiant heat from nearby burning plants or structures; and flying embers. Flying embers from a wildfire can destroy homes up to a mile away […]

    June 12, 2023

  • Insurance FAQ

    Insurance FAQs provided by HBL Insurance Agency Q: What kinds of questions should I be expected to answer when I’m applying for an insurance policy in Michigan Why do insurers need so much information?  A: When you apply for an insurance policy at HBL Insurance Agency you will be asked a number of questions. For example, […]

    June 8, 2023

  • Tornado safety: Before, during and after

    Last year, according to Statista, there were 1,154 tornadoes reported in the United States. And you might be surprised to learn that a lot of these didn’t happen in Tornado Alley. It’s safe to say that no matter where you live in the U.S., you could be at risk for a tornado. With that in mind, […]

    April 5, 2023

  • 6 Reasons Not to Skip Renters Insurance

    Could you afford to replace your entire wardrobe if your apartment caught fire? What about your phone, your laptop and all your furniture? If the answer is no, you probably need renters insurance. “Renters insurance can’t stop awful things from occurring, but it can make life a little easier if and when they do occur,” […]

    March 10, 2023

  • What to do after a car accident

    Whether you’ve gotten into a fender bender or totaled your car, accidents are scary. No matter the cause – weather and road conditions, irresponsible driving behavior, or something unforeseen – you should be prepared for any possibility. Even the most careful drivers can be involved in an accident, which is why we’ve provided these nine […]

    January 11, 2023

  • The best storm preparation requires more than just buying milk and eggs

    Many parts of the U.S. are forecast to experience dangerous winter conditions this week, including flash-freezes from the mid-South to the East Coast, and heavy snow accumulations and strong winds for parts of the Plains into the Great Lakes. We at HBL Insurance Agency want to help you and your family stay safe and protect […]

    December 20, 2022