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

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?

auto

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

KitchenFireXSmall

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


7 Factors That May Impact Your Auto Insurance Costs

Traffic Ticket

When it comes to car insurance, there’s no one price-fits-all scenario. In fact, car insurance costs can vary greatly from driver to driver, carrier to carrier and even state to state. It’s not only about which coverages you select. Many other factors can also impact your car insurance premium – here are seven of them. read more


How Your Home Insurance Can Vanish

House Abandoned

It can happen unexpectedly. Maybe you took an extended vacation. Perhaps you placed your home on the market and moved into a new one. Or maybe you’ve gone into a nursing home temporarily. If you’ve moved out of your home for any reason – including renovation – your home insurance policy may have moved out, read more