Do You Need Umbrella Insurance?


One of the most certain things in life is, certainly, uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost of read more

Water Damage Emergency Tips

Storm Warning

Water damage caused from ruptured pipes, faulty appliances, backed-up drains, and heavy rainfall,  lead to the most common reason people make a claim on their home insurance. Regardless of the source, when you are dealing with water damage, immediate action is crucial. Below are steps that you can take to minimize additional water damage and costs read more

Buying a New Car? Call Your Insurance Agent!


Car shopping is an exciting time. You can’t wait to drive off the lot in your new vehicle and enjoy that new car smell! The car dealer assured you that he would contact your insurance agent and not to worry, so you think your work is done. After all, you signed all the paperwork and read more

Did You Know? Facts About Mortgage Insurance


Primary mortgage insurance, or PMI, protects lenders in the event that borrowers default on their primary mortgage by ceasing to make payments, resulting in homes ending up in foreclosure. But all borrowers do not have to pay PMI. Typically, home buyers must make a 20 percent down payment on a home when they buy it.  read more

Why ‘Spending 15 Minutes or Less’ Can Hurt You

Stop Watch

Buying insurance is one of the most important decisions you’ll make. Who you buy it from can be the difference between devastation and recovery when disaster strikes. As an independent agency, we are grateful for those that chose to buy through an independent insurance agent. Today’s TV and media ads bombard you with the message read more

Falling in Love: Fall Weddings

Fall Wedding Rings

Just like every other bride or groom, you have a laundry list of things to do before the big day. Steak or chicken, seating charts and color choices are taking over your life! And while other couples are fighting for every weekend in May or June, you’re relaxed and waiting for your fall wedding date read more

Discount Auto Insurance: Learn How to Save

Piggy bank on a red background with 20 dollar bill

At Michael Davis Insurance, we know you have to make trade-offs every day. That’s why many of our carriers offer car insurance discounts that can help you save money on your monthly insurance premium. The following are some car insurance discounts that you may qualify for: Multiple car discount Do you own more than one read more