Resources
Insurance, explained for the Pointes.
Short, specific guides written for the questions Carly hears most — no jargon, no sales pitch, and a clear next step at the end of each one.
Michigan no‑fault and PIP: the six choices, in plain English
The six Michigan PIP medical levels — unlimited, $500,000, $250,000, $250,000 with exclusions, $50,000 and opt-out — who qualifies for each, and…
ReadAdding a teen or new driver to a Grosse Pointe household policy
When a teen has to be listed, what a learner’s permit means for your policy, how to keep the cost sane, and what to do when a college student takes…
ReadClassic and collector car insurance: agreed value, mileage and storage
Why a collector car should not be on a regular auto policy, what agreed value means, and the storage, mileage and use questions that decide the…
ReadDriving for a rideshare or delivery app: where your personal policy stops
Personal auto policies usually exclude commercial use. Here is how the app-on, en-route and passenger-on-board periods are treated in Michigan, and…
ReadWhy did my auto insurance go up — and what a real review looks like
The usual reasons a Michigan auto renewal rises, which ones you can do something about, and how an independent agent reviews a policy instead of…
ReadWhat to have ready for an auto insurance quote
The short list of things that make an auto quote accurate the first time: the declarations page, VINs, drivers, use, and the coverage choices you…
ReadInsuring an older Grosse Pointe home: replacement cost is not the Zillow number
Why a 1920s Tudor or a 1950s colonial in the Pointes needs a rebuild-cost review, what plaster, slate and leaded glass do to the number, and the…
ReadWater backup, sump pumps and flood: three different things
The east side floods from the sewer, not the lake. What a standard home policy excludes, what a water-backup endorsement adds, when NFIP flood…
ReadCondo insurance (HO-6): where the association’s policy stops and yours starts
Reading your association’s master policy, the difference between bare-walls and all-in, loss assessment coverage, and the unit-owner questions that…
ReadRenting out a house or condo: why a homeowners policy is the wrong form
The dwelling fire (DP-3) form for rental property, loss of rents, liability for tenants and visitors, short-term rental questions, and what to do…
ReadJewelry, art, watches and collections: the limits inside your home policy
Every homeowners policy caps certain categories — jewelry, watches, furs, silver, firearms, collectibles. What the sub-limits look like, what…
ReadLakefront homes: seawalls, docks, boat lifts and wind
What a homeowners policy does and does not cover on the water: seawalls and docks, boat lifts and hoists, wind and ice damage, and how the…
ReadBuying a home in the Pointes: insurance before closing
When to start the insurance conversation during a purchase, what the lender’s closing package requires, how inspection findings affect the quote,…
ReadCertificates of insurance: what they are, what they are not, and how to get one fast
What an ACORD certificate shows, why a customer or landlord asks for one, additional insured vs. certificate holder, and how to get certificates…
ReadMichigan workers’ compensation: who has to carry it and what it costs
Michigan’s employee thresholds for required workers’ comp, how sole proprietors and officers are treated, subcontractors, how premiums are…
ReadBOP vs. commercial package: which one fits a small business
What a business owner’s policy bundles, who is eligible, what it leaves out, and when a business has outgrown it into a commercial package policy.
ReadCommercial auto vs. personal auto: which policy covers the work truck
When a vehicle used for work needs a commercial policy, what hired and non-owned auto covers, employees driving their own cars, and how Michigan…
ReadCyber insurance for a small business: what it covers and what carriers ask
First-party and third-party cyber coverage, the ransomware and funds-transfer questions, the security controls carriers now require, and why a…
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