Spring is finally here on March 20th and it is the perfect time to get your car checked over and ready for any road trips you may have planned for the warmer months. Here are 9 tips on getting your car in tip top shape: Tires – Winter causes havoc on your tires with the[…]
9 Spring Maintenance Tips for Your Car
By John Scott Insurance Auto Insurance, Car Insurance Mar 04, 2021
Fireplace Safety Tips
By John Scott Insurance Homeowners Insurance Feb 18, 2021
February is a month that is right in the middle of winter and often one of the coldest times. It is a great time to cuddle up in front of the fire with your loved ones and spend time inside enjoying each other’s company. You want to make sure that your fireplace is safe though[…]
Valentines Day Tips
By John Scott Insurance Lifestyle Feb 04, 2021
Valentines Day is always a big day for many people and there are ways to make it fun whether you are spending it with your significant other or your whole family. If you are planning to avoid the crowds this year and stay at home, here are 3 tips to help you have a fun[…]
Oh No! My Pipes Burst!
By John Scott Insurance Homeowners Insurance Jan 21, 2021
Now that the cold weather is upon us again, there are more chances that you could have a pipe burst at some point. It can happen to anyone, at any time, so we have some advice for you on what to look for, and what to do if this unfortunate instance does happen to you.[…]
Storing Holiday Decorations
By John Scott Insurance Homeowners Insurance, Lifestyle Jan 07, 2021
It can often be a bit of a chore having to figure out the best way to store the holiday decorations. You want to make sure that you protect your investments and you want to open them up next year and be just as in awe of them as you were this year. Here are[…]
7 Great Ways to Transform Your Home into a Winter Wonderland
By John Scott Insurance Homeowners Insurance, Lifestyle Dec 17, 2020
Winter can be a little gloomy at times. It is dark so early, it is cold out and there really isn’t a lot you want to do because that would require leaving your home and going out into the cold. But there is a way to cheer up your living environment so that the place[…]
6 Tips to Winterproof Your Home
By John Scott Insurance Homeowners Insurance Dec 03, 2020
Winter time can be hard on your home, especially in some of the winter storms we get. The damages could be extensive if there are things that needed repair and were too weak to withstand the elements. Here are 6 of our winter home maintenance tips to make sure you are ready for the weather.[…]
Thanksgiving Celebration Ideas
By John Scott Insurance Lifestyle, Personal Nov 19, 2020
Thanksgiving this year is right around the corner. While we all look forward to gathering together and giving thanks, this year may be a little more dialed down than other years. That doesn’t mean you can’t still have an amazing and fun Thanksgiving connecting with all your loved ones. Here are some ideas to make[…]
5 Fall Driving Safety Tips
By John Scott Insurance Auto Insurance, Car Insurance Nov 05, 2020
This time of year, it is beautiful to take long drives through the countryside to see the Fall foliage or go on day trips and adventures. But it is also a time when road and weather conditions may make traveling a bit more difficult. Here are 5 fall driving safety tips: Wet Leaves can be[…]
Life Insurance is Important. Review it Regularly!
By John Scott Insurance Life Insurance Oct 15, 2020
Life insurance is important for your family. We know you want to make sure that they are taken care of in the event you are not around any longer to take care of that yourself. Changes happen often in life and reviewing your policy regularly is a good thing to do so that you are[…]
Fall Maintenance Tips for Your Home
By John Scott Insurance Homeowners Insurance Sep 30, 2020
We all think of spring cleaning but how about fall? Do you prepare your home for winter just like you prepare it for summer? It’s always good to spend some extra time before the major season changes to do some maintenance and make sure everything is working properly for the upcoming season. When you are[…]
Three Ways to Help Others this Fall
By John Scott Insurance Lifestyle, Personal Sep 17, 2020
It’s fall but this year is a bit different than most since all the schools are adapting to our new health systems we need to have in place. You may know how your family’s work and school schedule will look but there are other families in your community that are not feeling too secure yet.[…]
Are You Prepared for Hurricane Season?
By John Scott Insurance Homeowners Insurance Sep 03, 2020
Like everything else in 2020, hurricane season is no exception, as forecasters are predicting an “above normal” season, and we have already had several major storms impact parts of the U.S. Next time the forecast calls for heavy downpours and high winds, keep the following in mind: If a storm causes a tree to fall[…]
6 Tips to Stay Safe Outdoors this Summer
By John Scott Insurance Lifestyle Aug 20, 2020
We love the summer months. Time to get outdoors and enjoy nature, slow down the pace and just enjoy life more. The opportunity to grill more often, eat dinner out on our porches and feel the sun on our face. It is important to stay safe though and we have 6 tips to share with[…]
Boat Insurance…Why You Need It
By John Scott Insurance Auto Insurance, Lifestyle Aug 06, 2020
It is finally summer and you can spend time enjoying the sun and water. If you own a boat, you want to make sure that you are fully covered and protected so that you can enjoy your time on the water stress free. Your boat was an investment of more than money. It was an[…]
Tips to Enjoy Summer
By John Scott Insurance Lifestyle, Personal Jul 16, 2020
The lazy days of summer are finally here. It’s a time to soak in the sun, relax and kick back. While this year is a bit different as we are not really traveling much or doing the things we would have been doing in summers past, it doesn’t mean it can’t be a great summer![…]
Michigan PIP and Umbrella Policies Go Hand in Hand
By John Scott Insurance Umbrella Insurance Jul 02, 2020
Anyone can benefit from the additional liability limits they would have with an umbrella policy. If you own a house, automobile, boat or have liability risks where your personal assets may be exposed, investing in an umbrella policy can help. With the recent PIP changes in Michigan also, there is an even greater need for[…]
Is Age 25 the Magic Number for Lower Auto Insurance Cost?
By John Scott Insurance Auto Insurance, Car Insurance Jun 18, 2020
Your teen comes of age to drive and it is so exciting! But it can also be a little overwhelming. They need to learn everything, anticipate other people’s moves, get a car of your own and then there is insurance. (And we didn’t even mention the amount of worrying you do as a parent!) First,[…]
Tips to Stay Safe and Healthy as we Reopen America
By John Scott Insurance Lifestyle, newsletter Jun 04, 2020
There are mixed emotions around the ease of restrictions in America recently. Some are relieved that America is starting to reopen, but they are also very cautious because another outbreak could be right around the corner. We need to reopen safely and with consideration. While it is important to reopen for the economy, we have[…]
6 Reasons You Want an Umbrella Policy in Place
By John Scott Insurance Umbrella Insurance May 21, 2020
You may be wondering what exactly umbrella insurance is and if it is really something you need. A good way to view it is to ask yourself what would happen to your home, business, and family if you were sued for a significant liability charge? This is when an umbrella policy is needed and can[…]
10 Spring Cleaning Tips to Freshen Up Your Home
By John Scott Insurance Homeowners Insurance, Lifestyle May 07, 2020
Spring is in full swing but since we still had some colder weather in April you may not have really wanted to jump into spring cleaning at that point. Now that we are in May and the weather is getting warmer and sunnier we wanted to share some of our best Spring Cleaning tips with[…]
3 Great Benefits of Having a Home Security System
By John Scott Insurance Homeowners Insurance, Tech Apr 16, 2020
Your family is what matters most to you. You want to make sure they are protected no matter what time of the day or night it is and no matter where you are. Having a monitored home security system and the various features they provide can help prevent break ins, keep an eye on your[…]
Technology to Improve Home Safety
By John Scott Insurance Homeowners Insurance, Tech Apr 02, 2020
Imagine coming home from a family outing one weekend to find that your home has been broken into. You have a sudden rush of emotions. Your belongings are gone, your privacy has been invaded, your sense of safety has been shattered. Your family is in tears and scared. While no one ever wants this to[…]
How Do You Feel About Philanthropy?
By John Scott Insurance Life Insurance Mar 19, 2020
Here at John Scott Insurance we are strong believers in giving back. We have been service based and very involved in philanthropy for many years. We have given to our local food pantry for a long time and we recently started to donate to “Hello Gorgeous” which is a local nonprofit organization that provides complimentary,[…]
MICHIGAN NEW ‘NO-FAULT’ REFORM
By John Scott Insurance Umbrella Insurance Mar 05, 2020
As you may be aware, the Michigan Department of Insurance & Financial Services (DIFS) has overhauled the law that has been in place for 45 years requiring UNLIMITED Personal Injury Protection (PIP) as your only coverage choice. As of July 2, 2020, you will have three other Personal Injury Protection (PIP) limits to choose from[…]
Red Flags When Buying Used Cars
By John Scott Insurance Auto Insurance, Car Insurance Feb 20, 2020
Buying a car can be an exciting time. It is something new and you have a list of the features that you would love to have in it. You start looking online and find a few vehicle you like so you setup an appointment to go see them. When you are buying a vehicle that[…]
Insurance Considerations for Newlyweds
By John Scott Insurance Life Insurance Feb 06, 2020
Choosing insurance may not be as romantic as deciding where to go on your honeymoon, but it is one of the most important things you can do as newlyweds. Although most couples are aware of the need to readdress their insurance needs when they get married, there is a disconnect between that awareness and whether[…]
Protect Your Home from Fire
By John Scott Insurance Lifestyle Jan 23, 2020
Unfortunately fires are something that can happen to any of us for a lot of different reasons. Prevention is the best way to protect your family from fire. However, in the event of a fire, preparation becomes the key to making certain your family responds appropriately and safely. Read these safety measures to be sure[…]
Home Care for Cold and Flu Season
By John Scott Insurance Lifestyle, newsletter Jan 09, 2020
This is the time of year that Cold and flu season is upon us. Germs are being passed around all the time. Kids are bringing them home from school, adults are bringing them home from work and running errands. No matter how hard you try to keep them away, germs will still spread. Many people[…]
Estimating Your Life Insurance Needs
By John Scott Insurance Lifestyle Dec 19, 2019
Well it’s that time of year, again: Time to reset the new year with a resolution. What type of resolutions did you set for this year? Was it a new weight-loss goal? Was it putting more money into savings? Taking up a new hobby? How about protecting your finances with a life insurance policy? What[…]
The Importance of Winter Tires
By John Scott Insurance Car Insurance, Lifestyle Dec 05, 2019
Wintery conditions can make roads difficult and even dangerous to drive on. To improve safety, it would be a good idea to purchase winter tires for your vehicle. Below are some facts and tips regarding winter tires: While all-season tires are made for a variety of conditions, winter tires are built specifically to perform in[…]
Do You Only Have Life Insurance Through Your Employer?
By John Scott Insurance Life Insurance Nov 21, 2019
One of the perks to your job is the benefits that come along with it. Medical insurance, 401k, and Life Insurance are typical perks and great ones at that! But did you know that if you lose your job or leave your job, your life insurance doesn’t necessarily follow you? Here at John Scott Insurance[…]
Underwritten vs. Instant-Issue Life Insurance
By John Scott Insurance Life Insurance Nov 07, 2019
A life insurance policy can mean different things to different people: financial protection for loved ones, end-of-life expenses, a legacy to leave behind, or even a discount on other insurance. Most providers offer both underwritten and instant-issue products; knowing the difference can help you know which policy to purchase. Instant-issue products go through no underwriting,[…]
Are Your Jewelry Items Protected?
By John Scott Insurance Lifestyle Oct 24, 2019
Fall is upon us and before we know it the holiday season will be here. Often times during the holiday season people buy jewelry to give as gifts. A common question you may have is, “How do I insure my jewelry items?” There are a few different options available for coverage of your jewelry. Jewelry[…]
Have a Claim While Tailgating?
By John Scott Insurance Lifestyle Oct 10, 2019
It’s that time of the year again: The return of football season and tailgating. Tailgating is all about getting pumped for the game with parking lot festivities. During all the parking lot pre-game celebrations, however, car accidents are bound to occur. The good news is that your auto insurance provides you with coverage for nearly[…]
Should I Replace or Repair My Car?
By John Scott Insurance Lifestyle Sep 26, 2019
Owning a car, while a great thing can also be a hassle at times. Like anything else, your car needs to be taken care of and maintained regularly to stay at its best. Yet, eventually it will need to be replaced as well. While it’s important to repair any issues with your car in a[…]
Home Maintenance Tips for Fall
By John Scott Insurance Lifestyle Sep 12, 2019
Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead: Have your heating system cleaned and inspected by a qualified technician.[…]
Umbrella Insurance is a Policy Important to Anyone that Owns Anything of Value
By John Scott Insurance Umbrella Insurance Aug 22, 2019
In this day and age, as we all know too well, lawsuits are running rampant. You have to have warnings on everything no matter how common sense it seems to be. Remember when McDonalds got sued for a woman spilling a hot coffee in her lap? She won because they didn’t label the cup that[…]
What Happens to Your Family if You Die Without Life Insurance?
By John Scott Insurance Life Insurance Aug 08, 2019
Our client Bill recently came in to discuss life insurance with us. He is in his late twenties and recently got married and started a family. He had never really thought too much about protection for his loved ones in case of his passing but he had recently considered it when a close friend passed[…]
The Most Misunderstood Policy and Why You Need It
By John Scott Insurance Umbrella Insurance Aug 01, 2019
You know the importance of homeowners insurance to cover your home and auto insurance to cover your vehicle but are you still a little foggy about umbrella insurance and why it is one of the most important and yet misunderstood policies? Think for a moment about what would happen if you were involved in an[…]
Reasons it is Important to Have Renters Insurance
By John Scott Insurance Homeowners Insurance, Lifestyle Jul 25, 2019
When you are renting a home or apartment, you may think that there is no need for insurance but that is just not the case. Without that coverage you are risking a lot. Homeowners would be covered under their policy for the home you are renting but as for your own personal belongings…you would be[…]
Does Your Homeowners Insurance Provide Coverage for Trampolines and Treehouses?
By John Scott Insurance Homeowners Insurance, Lifestyle Jul 18, 2019
Kids love trampolines and treehouses. Most parents want to be the cool parent that provides one or both for their children’s entertainment and enjoyment. You love watching your child bounce in the sun on the trampoline, showing you neat tricks they can do. You may even love bouncing along with them and showing them neat[…]
5 Reasons John Scott Insurance is the Choice for You
By John Scott Insurance Personal Jul 11, 2019
Whether you’re a homeowner, business owner, or car owner, insurance is something we may not like to think about, but need to have in place. When we’re young, we feel invincible; nothing is going to happen—ever. As we age, we realize this just isn’t reality. When it comes to what insurance to purchase, it can[…]
Cyber Security Insurance…Why You Need It
By John Scott Insurance Personal, Tech Jul 04, 2019
Cyber Security, Cyber Crime, Cyber Attacks…these are words we hear more and more every day as the Internet grows larger and the world grows relatively smaller. However you are thinking about these, first and foremost in your mind should be insurance. That should be followed by the question, “Am I covered?” Cyber security insurance coverage[…]
Driver Assist Features
By John Scott Insurance Auto Insurance, Car Insurance Jun 27, 2019
Each year it seems that automobile manufacturers come out with a new feature to assist drivers in staying safe and secure while on the road. It is really exciting when you purchase a new vehicle and it has all the bells and whistles…although sometimes it can be a bit confusing especially if you are not[…]
Personal Swimming Pool Safety
By John Scott Insurance Homeowners Insurance, Lifestyle Jun 13, 2019
Although swimming can be carefree fun, owning a backyard pool comes with serious responsibilities. In fact, there are many safety precautions to take to make sure your friends and family enjoy your pool safely. The following are some general recommendations for swimming pool safety: Install a fence with self-locking and closing gates to completely isolate[…]
The Best Questions to Ask When Hiring a Contractor
By John Scott Insurance Business Jun 03, 2019
The Best Questions to Ask When Hiring a Contractor in 2019 Are you looking to have construction work done on your property in the near future? In today’s world, it is relatively easy to find the best contractors, as well as the reviews and social proof to back up their credibility. Places like Angi and Task[…]
5 Reasons You Need to Have Life Insurance
By John Scott Insurance Life Insurance May 23, 2019
Things change in life as we get older. We may get married to the love of our life, build a family with that person, even start a business (or more than one). We want to be sure we are protecting our loved ones the best we can and that is where a life insurance policy[…]
Protect Your Car from the Sun and Heat
By John Scott Insurance Lifestyle, Personal May 16, 2019
If you don’t take the proper precautions to protect your car from the sun and heat, they can severely damage key components of your vehicle. In fact, it’s not uncommon for the exterior of cars to reach 194◦ F when exposed to direct sunlight in the summer. This amount of heat can not only wreak[…]
What is Inland Marine Insurance and Who Needs It?
By John Scott Insurance Business May 10, 2019
Insurance, insurance, insurance—I just can’t keep it straight! Do I need nineteen different coverages? My business is earth-moving, so I have excavation and construction equipment; should I be looking at a specific type of specialized insurance, rather than a lot of different kinds or just one or…help! Let’s start at the beginning Inland Marine Insurance[…]
ATTENTION: Michigan Automobile Owners!
By John Scott Insurance Auto Insurance, Car Insurance May 03, 2019
LEARN THE REAL REASON YOUR INSURANCE PREMIUMS ARE GOING TO INCREASE! Effective July 1, 2019 Michigan is the only state that has “Unlimited Medical Coverage/Benefits”. This is the Cadillac of coverage in the event you suffer severe physical injuries in an automobile accident. In other states, like Indiana for example, a maximum payout limit is[…]
Keeping Your Home Safe While You’re Away
By John Scott Insurance Lifestyle Apr 25, 2019
When preparing to leave for a vacation, it’s easy to overlook basic home safety precautions. To protect your residence while you’re away and enjoy a worry-free trip, keep these tips in mind for keeping your home safe. There are a number of hazards that could affect your home while you’re away, including lightning, theft and[…]
Treating Pain Without Opioids
By John Scott Insurance Personal Apr 18, 2019
Therapeutic treatments can help you recover You’ve probably heard a lot about opioids lately, and for good reason. The CDC estimates that more than 115 people die from opioid overdoses every day. One of the biggest reasons for widespread misuse of these drugs is that they’re both effective at short-term pain management and highly addictive.[…]