Personal Insurance

Personal insurance is your safety net that ensures you’re protected in the unexpected event an accident occurs. While you don’t have control over the things life can throw at you, we can help you avoid an even worse situation by helping you make sure you’re protected with the proper insurance. In fact, the right insurance policy can be a game changer in helping you get back on your feet! While you already know that home and auto insurance fall into this category, personal insurance is not limited to just that. We can also help you protect your recreational vehicles like ATVs and watercraft, personal items of value like art collections and jewelry, and even your pets! Protect everything that’s important to you – we can find you coverage that works.

Home Insurance

Your home is not only one of your most valuable assets, it’s a precious part of your life. There are more than just possessions contained within its walls, but also memories and dreams – things that no one could ever imagine losing. As such, having the right home insurance is both essential to protecting your investment, as well as peace of mind that your home can remain a place of security and well-being for years to come. At Finlan, we work closely with you to foster a relationship so that we can be sure you have the coverage necessary to protect the belongings you’ve worked so hard to earn. We also are here to be your resource, making sure you have all of the information you need to understand how your policies work. Give us a call today to get started!

High Value

In general, a high value home is defined as one that is valued between $750,000-$1,000,000 or more. Heritage homes, homes with unique interior/exterior design elements, and even high-end condos and rental property typically fall into this category. It’s important to realize that most standard home insurance policies offer portions of coverage, but do not guarantee full repair or replacement in the event of a major or total loss.

If you are a high value homeowner, specialized coverage not only exists for you – it is also highly encouraged that you have it to protect your investment. Comprising some of the most comprehensive coverage available, high value home insurance can include some pretty sweet benefits like full cash compensation, coverage for valuables, additional living expenses coverage, complimentary home inspection, and much more. Your home is one of the most important investments you’ll ever make – ensure that no matter what happens, you won’t have to foot the bill. Talk to your Finlan representative about a high-value home policy today, we’ll help you weigh your options and suggest coverage that meets all your needs.

Condo

Condo insurance is purchased by the owner of a condo unit, and generally covers the unit and your personal belongings held within should they be lost, stolen, or damaged in the event of certain perils. A condo insurance policy also typically includes a degree of personal and guest liability coverage, which helps to pay for medical expenses as a result of someone sustaining injuries while inside your unit. Protect your living space and possessions with a condo insurance policy from Finlan today. Our team is ready to help you find a plan that has you covered under every scenario.

REnter's Insurance

If you rent any kind of living space such as an apartment, a mobile home, or an entire house – most landlords will require you to have renter’s insurance. As a renter, you don’t own, nor are you responsible, for anything on the property other than your personal belongings. However, in the event of damage or theft of your belongings within your leased living space, a renter’s insurance policy will cover those resulting financial losses. A common insurance myth is that a renter’s personal belongings are covered by their landlord’s policy. While some insurers do offer very limited coverage to items kept inside of a rented dwelling, most landlords do not opt for it, thus leaving many renters in the U.S. footing the bill in the event their personal effects are damaged or destroyed. Additionally, should an accident or injury occur within your unit, most renter’s policies also include a set amount of liability coverage. It’s important to guard yourself from the unexpected with a renter’s policy that covers your important belongings. Talk to your Finlan representative now to get started! 

Dwelling Fire

A dwelling fire insurance policy is utilized primarily by landlords to cover the structure they’re renting out – such as an apartment, mobile home, or house. Vacant properties are also covered by dwelling fire properties, although since they inherently carry more risk, coverage is often more restricted. Also, it is important to realize that a renter’s personal belongings are not covered by the landlord’s dwelling fire policy should their belongings be damaged or destroyed (see Renter’s Insurance). If you are a landlord or own a rental property, ensure your properties are protected in the event of an emergency with a dwelling fire policy from Finlan today. We’ll find coverage that protects you in every scenario.

Auto Insurance

In Michigan, we have our own unique set of rules when it comes to auto insurance. As a No-Fault State, all registered drivers are required by law to have at least a basic policy or if not, incur a fine, jail time, or both in some cases. While coverage is mandatory, it can also be a major frustration for drivers because our state is home to some of the highest premiums in the country. As a result, shopping for auto insurance in Michigan can be quite challenging. But don’t worry – you don’t have to break the bank for the proper coverage! At Finlan, our team is committed to working closely with you to find a policy tailored to your specific needs, without unnecessary extras if they’re not needed. Whether you’re getting insured for the first time or looking to explore more beneficial alternatives to what you have now, we’re here to help! Get in touch with us today to explore your auto insurance options.

High Value

Many owners of luxury or exotic cars make the mistake of purchasing a standard auto insurance policy, believing it will be enough protection in the event of damage or destruction, but this is not the case. In the event of a total loss, a standard policy would only reimburse you an actual cash value minus depreciation. By contrast, a high value auto insurance policy would compensate you the full “agreed upon” or “guaranteed” value of the vehicle. A high value vehicle is a significant investment, and you’ve worked hard to own your vehicle, so ensuring that it’s secure with the proper coverage is imperative. We’re proud to offer our clients a variety of high-value vehicle policies so they don’t have to compromise. 

CLASSIC/COLLECTIBLE

If there’s one thing that defines Michigan, it’s our passion for cars. We’re the automotive center of the world, after all! Our state is full of classic and collectible cars that grace its streets every summer, driven by people who have dedicated immeasurable amounts of time and effort in order to make them look and perform just as they did in their glory days. For anything to happen to them would be unimaginable, and that’s why specialized auto insurance exists for these valuable vehicles. Give your classic car the protection it deserves by talking to your Finlan representative about collectible auto coverage today.

RECREATIONAL VEHICLE

While adventure toys like ATVs, RVs, campers, and snowmobiles can be covered by an auto insurance policy, it is also common to insure them separately with an insurance policy that is more specific to their nature. While it’s no secret that there is extra risk associated with these vehicles, that doesn’t mean insurance for them has to break the bank. In fact, the risk associated with them is even more of a reason to make sure you have the proper insurance coverage depending on your usage. Plus, by insuring these vehicles separately, you can help to keep your auto policy premiums at a manageable level. Enjoy your active lifestyle without apprehension, by getting your recreational vehicle covered now. Our agents are happy to help you find a policy that fits your life.

Health Insurance

Health insurance is definitely not to be overlooked – without it, paying for health care could be financially debilitating, especially in the event of an accident or sickness. It works to cover the costs of your regular and unexpected medical and surgical expenses, and depending on your plan, you are either reimbursed for payments to your provider or your insurer directly covers medical expenses. A typical health insurance plan can cover all, or portions of:

  • Primary care services
  • Specialty visits
  • Hospital care
  • Prescription drug coverage
  • Pregnancy and childbirth
  • Mental health services
  • And more

Not sure what type of health plan fits your lifestyle? Explore some of the common health insurance offerings below to get a better feel for what plan and policy may be best for you. Our health insurance experts are also available to help you understand why the different types of coverage are important and what benefits they can offer – give us a call! We’re here to answer all your questions. 

TYPES OF HEALTH INSURANCE PLANS

Health Maintenance Organization (HMO): HMOs are one of the most common types of health insurance plans chosen by the average American, and give you access to care from doctors and hospitals within a network. Perfect for families or individuals who regularly visit their primary care provider, an HMO offers affordable coverage for checkups and most types of preventive care – including specialists you are referred to by your primary care provider. With a HMO, you’ll generally enjoy lower premiums and low or no deductible, however you are not covered for care outside of your network.

Preferred Provider Organization (PPO): PPO insurance plans are also a common option, providing more flexibility when it comes to your health care vs. a HMO plan. With a PPO plan, you’ll have access to a network of care providers, however you also have the option to receive care from an out of network doctor or hospital. Further, referrals are not required from your primary care physician so you have more of a choice in selecting your care. While PPOs have an annual deductible and higher premiums, this plan is a great option for those who want flexible care, or who regularly see a specialist.

Exclusive Provider Organization (EPO): EPO plans give you access to coverage at all health care providers and specialists within your carrier’s local network. Similar to HMOs, care outside of the network is not covered, however EPOs do not require you to see a primary care provider like an HMO does. This option is typically less costly than a HMO or PPO, which makes it ideal if you’re not expecting to require much medical care and are looking to save money. However, it’s important to remember that while you may not plan on going to the doctor often, accidents do happen, so when choosing your health care, think about which type of care you will prefer in those moments.

Point of Service Plan (POS): A hybrid of the HMO and PPO, POS is a managed care health insurance plan that requires you to have a designated primary care provider within your network, but allows that PCP to make referrals outside of the network for a higher out of pocket charge. This plan is a great option for people who want to enjoy lower medical costs and don’t mind spending a little extra money if a situation arises where they would prefer the flexibility to seek care out of network.

GAP Insurance Plans: GAP plans add an extra safety net for unexpected medical costs to your major or short-term medical policy. In the event of an accident or serious health issue such as cancer, heart-attack, or stroke, GAP gives you a cash payout to cover eligible treatment expenses or to help pay a high deductible on your medical plan. It can also help cover your financial needs such as mortgage or car payments in a medical emergency. Keep in mind that GAP on its own doesn’t meet the minimum coverage requirements of the ACA so it’s not a stand-alone policy, however it can deliver maximum protection should the unexpected occur.

Medicare: Medicare is a federal health plan designed for people above the age of 65 and younger people with certain disabilities. It is separated into different segments that help cover specific services. Medicare Part A, also considered hospital insurance, is utilized to cover hospital stays, nursing facility care, hospice care, and some health care. Medicare Part B, also considered medical insurance, offers coverage for certain doctor visits and care, medical supplies, and preventive services. Medicare Part D, provides prescription drug coverage to select Medicare plans. Medicare Part C, also known as Medicare Advantage, allows you to combine Part A, B, and D for a bundled, all-in-one alternative to Original Medicare. While Medicare is helpful in covering select medical needs of seniors and those with disabilities, it does not provide long-term care. If you’re interested in exploring your expanded insurance options, we can walk you through all of your policy options and find the plan that is best suited for your needs.

TYPES OF POLICIES

Individual: An individual health insurance policy is coverage that you purchase privately, rather than being provided by your employer. This includes policies for just you or the whole family. Whether you are searching for coverage for you, your spouse, or your family, we’re here to understand your specific needs and help you understand the differences between the various types of health plans available to you so that your health insurance is suited specifically to you.

Group: A group health insurance policy is a plan offered by an employer that extends to all staff members and in some cases, their dependents. The business owner may pay all or a portion of the monthly premiums and receives tax benefits as a result. An advantage of purchasing a group policy from Finlan is our ability to create customized packages that offer unique policies suited to each person included within the group rate. This is especially useful if you have employees with disabilities or serious medical conditions that require extra care, and thus more detailed plans.

Medicare Supplements: Medicare Supplement insurance, also known as a Medigap policies, are offered by private companies like Finlan to provide you extra security in covering costs that original Medicare does not, such as co-payments and deductibles. To qualify for Medigap, you must already have Medicare Part A and B, and it requires an additional premium that must be paid on top of your Medicare B payments. While there is an extra cost associated with Medigap, it can be very helpful in covering the portions of your care that are not included in your traditional Medicare.

Umbrella Insurance

Each of your personal insurance policies like home and auto include a standard amount of liability coverage. Although sometimes, depending on the situation, the total cost of liability may exceed what your standard policy is able to cover. In these cases, the financial burden can be draining, but an umbrella insurance policy acts as a safety net, going beyond the limits of your standard liability coverage, and paying what it could not, up to the amount of the umbrella policy you chose. Your umbrella insurance policy can be used to offset the often extreme costs of medical bills, lawsuits, and legal fees. Additionally, umbrella insurance can offer extra coverage against many things not included in a standard liability policy such as slander, libel, false arrest or imprisonment, malicious prosecution, and psychological/emotional anguish. It’s impossible to predict catastrophic events that may occur but our team can make sure that your bottom line is protected with the right umbrella coverage. It’s in these situations that you don’t want to have to question whether your insurance will cover you. Let us help you find your perfect plan today.

Watercraft Insurance

Watercraft insurance provides protection for boats such as sailboats, house boats, and pontoon boats; as well as personal watercraft such as jet skis up to a certain size and value. Coverage can vary depending on the type of watercraft you’re looking to insure, simply because every kind carries its own set of risks, however we’re here to make the process simple and easy. Whether you’ll be out fishing, racing, or just enjoying a day out on the lake, we’ll help you find a policy that can include coverage benefits such as towing, wreckage removal, and even fuel spill indemnification. Spending an afternoon out on the water can present a variety of risks to you, your possessions, and your watercraft. Eliminate the worries of what could happen, by making sure your insurance policy has you covered in every scenario. Talk to your Finlan representative about our watercraft policy options, we’re ready to make sure your day on the lake is relaxing and stress-free.

Pet Insurance

Your pet is more than just a dog or cat, they’re a member of the family. Over 70% of American households own a pet, but only 1% insure their pet – which is a huge gamble. Veterinary procedures save thousands of animal lives each year, but paying out of pocket for your pet’s medical emergencies can be costly. We know that accidents and emergencies happen, which is why we strive to protect your pet and give you peace of mind with the best pet insurance available from Figo. Giving your dog or cat the medical care they need should come without hesitation, and a pet policy allows you to know that whatever happens – they’re covered. Talk to your Finlan representative about a pet insurance policy from Figo today, we’re here for you and your whole family – including the furry members!

WHAT FIGO COVERS

  • Emergency and Hospitalization
  • Surgery
  • Hereditary and congenital conditions
  • Prescription medications
  • Cancer Treatments
  • Specialty Care
  • Chronic Conditions
  • X-rays, ultrasounds and blood work
  • Ligament and knee conditions
  • Hip Dysplasia
  • Rehabilitation
  • Prosthetics
  • Physical therapy
  • Holistic and alternative therapy
  • Stem cell therapy
  • Dental emergencies
  • Euthanasia costs
  • Behavioral therapy
  • Boarding fees
  • Loss due to theft or straying

WHY CHOOSE FIGO?

Voted the best pet insurance on the market overall, Figo’s packages are built with you and your pet’s needs in mind. Providing up to 100% coverage on numerous conditions, procedures, and medications, at an average of only $1.50/day you can have peace of mind, knowing that Figo has you covered. Enrolling is simple – purchase one of three flexible, customizable plans, and when an injury or illness occurs, upload a photo of your vet bill in the Figo app. You will be electronically reimbursed, usually within 7 days.

Plus, managing your pet’s policy through Figo is convenient and stress-free. Simply download their app and gain immediate access to every portion of your pet’s coverage. You can share pet records, receive reminders about appointments, search for pet-friendly businesses, and track your pet’s location. Have questions about your coverage? The customer care team is available 24 hours a day via phone, email, text, chat, or twitter to provide you answers quickly.

For more in-depth information on Figo’s coverage, click the button below:

Figo Policy Basics

Schedulued Property

Most standard home insurance policies include coverage for personal property like clothing, furniture, and appliances. Although when it comes to more prized possessions such as fine artwork, antiques, jewelry, furs, electronics, firearms, business property, and even watercraft, coverage for these items may be extremely limited in terms of how much the insurance company will pay out in the event of damage or loss. In many cases, your standard home insurance might not even cover these kinds of items at all, which can quickly turn an already stressful ordeal into an even worse situation. With scheduled property plans, we can make sure your special assets are protected. Home insurance is not one-size-fits-all, especially if you own valuables that need to be covered by your plan.

Scheduled personal property extends full-value coverage to expensive items in the event of a claim, meaning that if any of the items listed above were to be lost or damaged due to an accident or theft, you would receive every dollar of what they’re worth – rather than the very limited amount included in a standard homeowner’s policy, or worse, nothing at all. At Finlan, we can write a scheduled personal property policy for just about anything. If you’re unsure if a particular item that you own can be covered, or are interested in getting a quote, please don’t hesitate to contact us!

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