Comprehensive Insurance

Car Thief

Comprehensive insurance covers damage to your car from incidents other than collisions. This normally includes coverage for: Theft Vandalism Glass damage (such as a broken windshield) Damage sustained from hitting an animal or bird Damage from falling objects or missiles Fire Floodwaters Damage sustained due to severe weather or natural disaster — such as wind read more

How to Choose Insurance for Every Life Stage

Hand writing Time to Update concept with red marker on transparent wipe board.

As your life changes, so do your insurance needs. Whether you’re about to walk down the aisle, expanding your family or about to leave the workforce, protecting your assets with the right amount of insurance coverage is key. As people become more successful, they’re reluctant to change their insurance and become underinsured. And that can read more

Insurance Basics for New Homeowners

Home Sold

You’ve been searching for the perfect house for months. Finally, you find the one. After your offer is accepted and a small mountain of paperwork is signed, it’s yours. What are you going to do next? Let Michael Davis Insurance help you find affordable home insurance now. If you’re smart, before you pack a single box, you read more

Does Marriage Cut Your Car Insurance Rates?

Fall Wedding Rings

There can be a difference in car insurance rates depending upon your marital status. In general, a married couple will receive lower insurance rates than single individuals. This is if both married drivers have good driving records. Insurance rates for married couples may be lowered by insurance companies under the theory that married people are typically more read more

Do I Need an Umbrella Policy?

Umbrella Liability

Do you ever wonder what would happen when your property or auto insurance limits are maxed out? That’s where an Umbrella policy comes into play, to cover the excess damage that your personal home or auto policy would not cover. A personal Umbrella policy is extra liability protection, coming in handy more often than you read more

How to Lower Your Teen Driver Insurance Cost

Teen Driver

As much as we love them, being a parent of a teenager is a challenge… to put it mildly. Not only are they spending these formative years before they leave the nest testing boundaries, parents also have the added worry of finally handing over their keys to freedom – car keys, that is. Here’s the thing: Adequate read more

Bundle Your Home and Auto Insurance

Signing or not signing?

Need to insure both your home and vehicle? A convenient way to save on both your home and auto insurance policies is to buy both from the same company, a strategy known as “bundling.” According to the J.D. Power and Associates U.S. National Auto Insurance Study, 58 percent of consumers bundle their auto and home read more

Helpful Tips for When to Replace a Roof


You probably don’t think about your roof very often. Unless something goes wrong, that is. A leak is usually your first indication you need to replace your roof, but you don’t need to wait that long. There’s a lot you can do before it gets to that point. These tips will help you decide when read more

How Much Does Insurance Go up After an Accident?


Like with most car insurance situations, there’s no simple rule for how much your insurance rates go up after an accident. Whether you’re at fault or not at fault in an accident, changes in your rates vary by insurance company and by state. In addition to worrying if your rate will increase, you may also read more

Improve Your Home Fire Safety by Starting in the Kitchen


Fire is one of the most serious dangers in the home, and your kitchen presents the greatest risk. But wherever a fire starts, there are steps you can take to reduce the danger and help keep your family safe. One of the best ways to limit fire risk is, quite simply, to be vigilant in read more