Does Boat Insurance Cover a Boat While in Transit to a Waterway?

Your boat policy from High Favor Insurance may or may not cover your boat while it remains in transit. Whether a policy provides coverage depends on the boat, the policy terms, and whether you added riders.

Here’s a common scenario. You drive from your Birmingham, MI home to a nearby lake to enjoy a day on the water. You tow your boat on a trailer. Your trailer loses a tire, and your boat incurs damage.

Most boat policies cover land transportation for craft less than 30 feet in length. Boats larger than that may receive coverage under the stipulation that the owner hires a professional transportation company to move the boat to the waterway.

Not every policy uses that length as a guideline. Some companies consider a boat to measure 26 feet in length or less, but a yacht to measure 27 feet in length. Although both types of policies come from the same company, the coverages of a boat policy differ from those of a yacht policy.

We say most because every policy differs. That’s why meeting with your insurance agent to review the policy before you purchase it remains a top priority. Underwriters get a say in what a policy contains, so if an area experiences many transportation accidents, that might preclude this coverage from inclusion.

Contact High Favor Insurance for a Boat Policy Review and Update

A rider can add land transportation coverage when it doesn’t automatically appear in the policy. Contact High Favor Insurance for a boat policy review and update. Let us help you insure your boat while in use on the waterways near Birmingham, MI, on the road to the lake, and parked in your driveway or drydock.

How Umbrella Insurance Mitigates Risks

One of the best ways to mitigate risks is to take out so-called umbrella insurance, which is a type of liability insurance policy that provides extra coverage beyond the limits of your other insurance policies, such as home insurance. Umbrella insurance can cover a variety of things. However, what’s covered depends highly on your specific policies. Want to learn more about coverage specifics? Contact High Favor Insurance, serving the greater Birmingham, MI area.

How Umbrella Insurance Reduces Risks

Umbrella insurance can provide additional liability coverage above and beyond the limits of your regular insurance policies. This can help protect you in the event of a lawsuit or other liability claim that exceeds the coverage limits of your primary insurance policies. However, reading specific policies is crucial to see what is and is not covered.

Further, umbrella insurance can cover certain types of claims that your other insurance policies, such as libel or slander civil suits, might not cover. Or it might provide coverage if a dog or child in your household causes an injury, perhaps even off of your property. It’s crucial to talk with an insurance agent to learn what your standard insurance policies cover and what umbrella insurance can provide coverage for.

Beyond mitigating risks, having umbrella insurance can provide peace of mind. When you know that you have additional protection in the event of a catastrophic event or lawsuit could help folks relax. This could add to your quality of life, reducing stress and anxiety, which could benefit your personal and professional life.

Overall, umbrella insurance can help mitigate risks by providing additional liability coverage, protection against broader coverage for certain types of claims, and peace of mind. It can help protect your assets and financial future in the event of a lawsuit or other liability claim. Of course, it’s crucial to read the specifics of each plan to see what is covered.

If you’d like to explore the specifics of umbrella insurance coverage, contact High Favor Insurance, serving the greater Birmingham, MI area.

How much renters insurance do I need?

Renters insurance is a great way to protect yourself and your property in the event of any damage or theft. But how much coverage do you need? The answer isn’t necessarily simple, but here are a few thoughts from us at High Favor Insurance for Birmingham, MI area renters.

As a rule of thumb, most renters should look for enough coverage to replace their possessions if they were all lost in an incident. This means you’ll need to consider the value of your furniture, electronics, appliances, clothing, and anything else inside your rental unit. 

A good starting point for figuring out this number is by thinking about how much it would cost to replace each item in the event of a total loss. You may also want to add a buffer for any unexpected costs associated with replacing or repairing items. If you’ve got expensive items such as artwork or jewelry that would be difficult to replace without additional funds, make sure you account for those items specifically when purchasing renters insurance. 

When shopping around for renters insurance, make sure to compare different policies and providers so that you can find one that fits both your needs and budget. For example, some policies may offer more extensive coverage than others but come at a higher price point. On the other hand, some basic plans still provide valuable protection at lower costs. Take the time to explore different options before making a final decision to ensure you get the best policy possible while still staying within your price range. 

For more information, give us at High Favor Insurance a call today. We proudly serve the Birmingham, MI area.

How to prepare your car for winter

The winter months can be tough on cars, and proper preparation will help ensure your vehicle stays in the best condition possible. To make sure your car is up to the challenge of winter weather in the Birmingham, MI area, here are some tips from us at High Favor Insurance:

  1. Check your tires. Make sure they have enough tread and are properly inflated. Bald or under-inflated tires won’t provide enough traction on icy roads and can easily result in an accident. Consider investing in snow tires if you live in an area where winter precipitation is expected.
  2. Change the oil and other fluids. Oil gets thicker in cold weather, so it’s essential to use a weight suitable for colder temperatures to ensure optimal performance from your engine. Also, check the coolant, brake fluid, transmission fluid, and windshield washer fluid levels and top them off as needed. 
  3. Inspect the battery and connections for corrosion or damage like loose cables or worn terminals. If there is any rust or dirt buildup, clean it off with baking soda or a specialized cleaner, then lubricate the terminal ends with a small amount of petroleum jelly or silicone grease to help protect against corrosion from road salt used during winter storms. 
  4. Check your wiper blades for wear and tear. Replace them if necessary, as visibility is critical when driving in adverse weather conditions such as heavy rain, snow, sleet, etc.
  5. Inspect all hoses and belts for cracks, tears, or other damages that could cause problems when it’s cold outside, as they become more brittle when temperatures drop significantly below freezing point (32°F). 

For more tips, call us at High Favor Insurance today! We proudly serve the Birmingham, MI area.

Umbrella Insurance Coverage Takes Over Where Other Policies Stop

Do you live in the Birmingham, MI area? Do you wonder if you have enough liability coverage in a catastrophic event? Let High Favor Insurance explain how umbrella insurance coverage can give you peace of mind.

You no doubt have various insurance policies to protect your home, car, and other assets. But beyond them is a very affordable and important type of insurance. Umbrella insurance is necessary under certain and vital conditions.

Umbrella liability coverage, or personal liability as it is sometimes called, does not stand alone. Supplemental insurance provides liability coverage over and above what is already in place. It is meant to kick in when other limits have been exhausted.

If you have an auto accident or someone slips and falls on your property, you will no doubt be responsible for their injuries. The purpose of an umbrella policy is to cover the liability that exceeds the amount set forth in your car insurance policy or homeowner’s policy.

Depending on the carrier, umbrella policies can be written to offer a broader form of protection that covers damages not typically covered in other policies, such as slander or libel. This coverage can help pay for the resulting costs associated with any legal fees.

If you become the target of a lawsuit involving a large sum of money, but your insurance will not cover the damages that could arise, the expenses will have to be paid out-of-pocket. This could be disastrous for you financially. The umbrella policy could prevent a serious financial hardship that could be difficult to recover from.

Let High Favor Insurance provide you with a no-obligation quote or answers to any questions you may have. Contact our team today. You will be glad you did.

Three things you might not already be aware of when it comes to renters insurance

Those who live in a rental unit in Birmingham, MI should carry renters insurance to protect themselves financially. Consider High Favor Insurance if you are looking for a renters insurance policy in your area.

When you purchase renters insurance, it’s vital that you’re well-informed about this type of insurance. The following are three things you might not already be aware of when it comes to renters insurance. 

Renters’ insurance can cover you temporarily if your rental unit becomes uninhabitable.

Some renter’s insurance policyholders might not realize that they can file a claim to cover their hotel bill temporarily if their home becomes uninhabitable. This type of coverage is called additional living expenses coverage. 

There are often discounts available for renters insurance policies.

Looking for discounts for which you are eligible is a great way to save on renters insurance costs.

Providers often offer discounts if your rental unit features certain safety or security features such as deadbolt locks, a fire alarm system, fire extinguishers, or sprinkler systems. You may also enjoy a premium discount if you pay upfront rather than monthly. 

Standard renters insurance usually won’t offer coverage for flood damage.

Although renters coverage can cover you for many different types of damage, you should realize that you will not be covered by renters insurance in the event of flood damage. In this regard, renters insurance policies are similar to standard home insurance policies. 

At High Favor Insurance, we’re happy to help renters in Birmingham, MI to meet their insurance needs. If you want to learn more about renters insurance, call us. We can answer your questions and provide you with a policy quote. 

Are Teenagers Difficult to Insure?

Teenagers living in Birmingham, MI are required by law to carry automobile insurance. Since Michigan is a no-fault state, its policies must be structured to cover their own damages. The minimum coverage mandated is $20,000 per individual, $40,000 per accident for medical expenses, and $10,000 for property repairs or reimbursement. No-limit PIP, or personal injury protection, is also a requirement, as is $1 million in PPI, or property protection insurance, per accident. 

The CDC has stated that 16-year-old drivers have the highest crash rate of any age. This figure drops by half once a teen reaches 18. Your teenage child should always be on a plan with their parents and not obtain coverage alone. Insurance tends to decrease in price as a young driver gains experience with each subsequent birthday. According to statistical data, males are typically considered riskier to insure than females. 

You can get insurance for your teen, as policies are readily available, and it’s vital to meticulously review the list of offered discounts with your High Favor Insurance agent. Some licenses have restrictions that can reduce hazardous driving, such as limiting the evening and night hours when teens can be on the roadways unless driving to work or supervised by a licensed adult over 21. 

Report cards, such as memberships to auto clubs and the purchase of safety kits to store inside the car, can matter. The type of vehicle they choose to drive can be a major factor contributing to both their safety and the ease with which you can insure them. 

High Favor Insurance aims to keep Birmingham, MI residents adequately insured, and we work hard to tailor policies to your needs. We invite you to contact us online or call or stop by the office to get more information. 

Required Commercial Insurance in Michigan

When you have a Michigan business, there are some types of commercial insurance you may need to comply with state law. There are two types of business insurance that you may be required to have, and there are many other types that can help you to protect your business better. When you need commercial insurance, give us a call at High Favor Insurance in Birmingham, MI to find out more. 

Workers’ Compensation Insurance

If your business has at least one full-time employee, the company is required to have a workers’ compensation policy. It is also necessary if you have three or more employees who have any status, including part-time employees. It’s important to have this insurance because it will keep you legal and protect your business against lawsuits and the cost of liability. This insurance will pay for the medical bills and disability benefits of any employee who gets injured or ill at work. With this coverage, that money won’t have to come from your business if an accident occurs. 

Commercial Auto Insurance

If your Michigan business owns a car or truck, it has to be covered by a commercial auto insurance policy. There are several different types of auto coverage that the auto policy has to have to be legal for company cars. The policy has to have two amounts of coverage for injury liability coverage. One is for a single person injured, and the other is for all injured parties from an accident. It’s also required that the policy has an amount of coverage for property damage that occurs in a different state. In addition, an amount for personal injury protection is required to pay for your own injuries. 

Get Covered With Commercial Insurance

To protect your business and stay legal, you need the right commercial insurance. It’s helpful to give us a call at High Favor Insurance in Birmingham, MI.

Benefits of Recreational Insurance in Birmingham, MI

RV owners, just like car owners, are vulnerable to all manner of impending calamities within Birmingham, MI. Suppose you want to travel in the convenience of your RV. In that case, it’s imperative to consider various recreational insurance coverage to get guaranteed protection for the RV and yourself. Nonetheless, an RV is a massive investment warranting protection from imminent risks.

Are you an RV owner in Birmingham, MI? Please get in touch with our professional agents at High Favour Insurance today. Our insurance specialists will provide you with the necessary information to get splendid recreational insurance.

Benefits of recreational insurance

A lot of Birmingham, MI residents dream of owning an RV in their lifetime. As a result, many Birmingham, MI residents are transforming RVs into dwelling areas. Therefore, it’s crucial to obtain recreational insurance as it grants the following benefits:

Asset protection

Recreational vehicles offer a lot of breathtaking experiences but, at the same time, present themselves with unique risks. RVs are exorbitant to purchase and sometimes cost as much as your home. Therefore, it makes sense to secure it with recreational insurance. Collision and comprehensive coverage replace or repair your RV when it is physically damaged from collision and non-collision events.

Liability protection

Irrespective of being a careful driver, mishaps can still crop up. When deemed responsible for an accident by third parties, this policy will likely cater to bodily injury, property damage, and lawsuit costs. Luckily, investing liability coverage in your recreational insurance can rescue you from paying out-of-pocket expenses.

Safeguarding your personal property

Did you know you could still shield your belongings stored in your RV while in transit? Recreational insurance protects your belongings like clothing, camping equipment, sporting gear, and electronics from imminent perils like theft.

Instilling peace of mind

Roads are full of unforeseen events and risky drivers, like teenagers and drunk drivers. Investing in recreational insurance makes you cruise roadways stress-free, knowing that you are safeguarded from unexpected eventualities, which can attract massive body injury and property damage expenses.

Recreational insurance ensures that you are fully guarded wherever your treasured RV takes you in Birmingham, MI. Please call or visit us at High Favor Insurance and get more information about recreational insurance.

Do All Condos Have To Have Insurance?

Do all condos have to have insurance? There is no one-size-fits-all answer to this question. The insurance requirements for condos will vary depending on the location and other factors. However, in most cases, yes, all condos will need to have some form of insurance. This article will explain why this is the case and what types of coverage are typically recommended for condo owners.

Top Reasons Why Condos Need Insurance

One of the main reasons that condos need insurance from reputable companies such as High Favor Insurance in Birmingham, MI is to protect the common areas. The condominium association’s policy will typically cover the building itself but not the contents of the units.

This means that the condo owners will be responsible for repairing or replacing their belongings if there is a fire or other damage to the common areas. Having insurance will help to protect you from having to pay out of pocket for these repairs.

Another reason that all condos should have insurance is that it can help to cover the costs of liability if someone is injured on the property. If someone slips and falls in the common area, the condo association’s insurance will typically cover the medical expenses.

Best Types of Covers for Condos

A few different types of coverage are typically recommended for condos. The first is content coverage, which will help to protect your belongings in the event of damage or theft. It’s important to note that this coverage does not typically extend to items stored in common areas, such as a storage locker.

Personal liability insurance is also recommended. It’ll help cover the costs of any legal fees and damages you may be responsible for if someone is injured on your property.

Last but not least, most condo associations will require owners to have some form of property insurance. This will help cover the repair costs in the event the common areas are damaged.


When it comes to insurance, there is no one-size-fits-all solution for condos. However, in most cases, it is recommended that all condo owners have content coverage, personal liability insurance, and property insurance. For more information about the best types of coverage for your condo, contact High Favor Insurance in Birmingham, MI, today.