How to Choose Auto Insurance for Your Needs

Choosing the Right Auto Insurance

Choosing the right auto insurance tailored to your specific needs is crucial. If you’re based in the Negaunee, MI, area and are seeking insurance coverage, U.P. Insurance Agency Inc. is at your service. We are ready to guide you through the process of selecting the most suitable coverage package and answer any queries you may have. Furthermore, we aim to educate you, providing you with the knowledge you need to make an informed decision.

Choosing suitable auto coverage doesn’t have to be difficult when you have the right professionals on your side. Our dedicated agents understand that the best policy for you is the one that meets all your needs. Whether you’re looking to start a new policy or update your current one, this holds true. We hope to help you protect your vehicle, passengers, and other road users by offering you multiple quotes from various insurers.

Usually, financed vehicles require full coverage insurance, while vehicles without financing may not have such stipulations. However, you may still wish to opt for more than the state minimums to ensure your peace of mind every time you get behind the wheel. This is why it’s essential to work with a professional, eliminating the guesswork in acquiring your next auto policy or updating your current one.

If you’re based in the Negaunee, MI, area and are looking for auto insurance, contact us today at U.P. Insurance Agency Inc. We are committed to helping you obtain the best coverage and ensuring you understand all your available options. There’s no need to settle for less with us, especially when quality vehicle coverage can make a big difference.

Do you need commercial insurance for your home business?

What can be better than having a home-based business? You do not have to spend money on rent and can monitor your business without leaving a house. However, as with any other type of business, it needs to be protected. One of the most effective ways to do it is to get proper insurance. 

There are many benefits to getting commercial insurance for your company that you operate from home. First, knowing that your business is not covered by standard home insurance is important. That is why you will be covered for all the expenses if something happens.

Second, you protect your property, including your products (if you have any) or equipment. Some people mistakenly think this is covered by home insurance, but this is not true. Home insurance does not cover anything related to your business, so you need separate business insurance. 

You may wonder how to choose the right policy for your home-based business and make sure that this policy provides the necessary protection. Here are the steps you need to follow when you are getting this type of insurance:

  • Prepare all your documents. It is crucial to ensure all your documents are in order. 
  • Consult with an experienced insurance agent. An agent will be able to answer all of your questions and find the policy based on your business type, industry, and insurance expectations. 
  • Review policies and enroll. Look through the policies you have found, review them, and ask an insurance agent any additional questions you may have. 

Running a business from home can be both exciting and challenging. It is also a huge responsibility. Do not forget to get proper insurance to ensure everything goes right and smoothly. If you are shopping for business insurance in Negaunee, MI, or any other surrounding area, U.P. Insurance Agency Inc. is here to help you. Feel free to contact our agency serving clients in Michigan, and we will help you find the right policy. 

Workers’ Comp Insurance Coverage – Guidelines for An Employee

Be aware of your rights and responsibilities if you are injured on the job. Review the following insurance guidelines. If you would like further assistance, contact one of our agents at U.P. Insurance Agency Inc.

Workers’ Compensation

Workers’ compensation coverage pays for lost wages incurred if an employee is injured on the job. It also pays for medical bills that the injured employee is responsible for.


Your employee may provide an overview of what to do in an emergency. For instance, your team leader or manager may be required to document an incident that resulted in an injury.

If you are the injured person, you may be required to fill out paperwork pertaining to the incident you were involved in. It is important to know the proper protocol to follow. If you are unfamiliar with what to do if you become injured on the job, consult your employer.

Medical Care

You should seek medical care soon after an injury is reported. It is imperative that your insurance claim is filed promptly. By seeing a doctor soon after the injury, you will be able to receive documentation of what happened. The doctor’s findings will support your insurance claim.

Insurance Claim

Your employer’s insurance company will be responsible for filing the insurance claim. Once the preliminary paperwork has been filed, be sure to stay in contact with your employer. It is your right to conduct a followup on the claim. 

Contact U.P. Insurance Agency Inc.

Contact an insurance agent who serves the Negaunee, MI, region. An agent can answer any questions you have about the workers’ compensation claims process that must be followed if an injury occurs.

How Does Classic Car Insurance Work from U.P. Insurance Agency Inc.

Classic Cars: A Unique Insurance Requirement

Classic cars captivate our hearts, invoking a vintage era distinguished by the essence of elegance and craftsmanship. Intended for far more than just transport, these gems hold unique value, necessitating specialized protection. Falling beyond the scope of standard auto insurance policies, U.P. Insurance Agency Inc. in Negaunee, MI, offers expertise to safeguard your vintage ride. We provide comprehensive coverage, giving you peace of mind.

Working Mechanism of Classic Car Insurance

Classic car insurance is distinct from regular auto insurance. It considers defining factors such as age, value, and vehicle condition. Classic cars generally have limited usage and are meticulously maintained, so their insurance usually comes at a lower premium than standard auto insurance.

A unique feature of classic car insurance is its agreed-value policy. You and the insurance provider reach a specific valuation on your vehicle that will be paid out if it’s written off. Also, it often accommodates coverage for spare parts and restoration expenses, as these vehicles frequently require specialized maintenance beyond the standard policy’s scope. We recommend consulting with our agents to delineate your classic car’s specific needs.

Contact U.P. Insurance Agency Inc. for Classic Car Insurance

Your prized possession should have no fears about insurance coverage. At U.P. Insurance Agency Inc., we value the importance of your asset’s protection. Connect with our team today to commence your classic auto insurance quote.

Glamping in the UP: Tips for A Luxurious RV Camping Experience

Forget soggy sleeping bags and leaky tents. Let’s go glamping in an R.V.! Wouldn’t you instead visit our majestic Upper Peninsula in style from the comfort and security of your glammed-out R.V.?

Glamp Up Your Escape

Turning your R.V. into a luxury cruiser doesn’t have to cost you a fortune. Here are a handful of tips to make your recreational vehicle feel like a night at the Ritz without breaking the bank.

Upgrade Your RV Oasis

  1. Sleep in Plushy Comfort: Forget the lumpy R.V. mattress. Trade up for a memory foam topper, sumptuous linens, and silky pillows. Bring a thick comforter to protect you on Michigan’s chilly spring or autumn nights.
  2. Dine In Style: Prepare your meals with an outdoor portable grill. Add trendy plates and cutlery to enjoy home-cooked meals come rain or shine.
  3. Light Up the Night: String lights and lanterns create a magical ambiance. Roll out comfy rugs and throws for an elegant touch under the stars.
  4. Outdoor Living: Invest in relaxing camp chairs and a portable table for board games. Or recline and stargaze, soaking in the UP’s beautiful nights around the campfire.
  5. Trick Out the Tech: Bring along a portable speaker for your favorite tunes or a projector for movie nights under the stars.

Unwind in the UP’s Wonderland

Once your R.V. is glammed out, you can head to Tahquamenon Falls State Park to hike the trails and view the Upper Falls. Let the outdoors be your playground while your R.V. is your sanctuary.

Don’t let risk be your travel companion!  

To learn more about a worry-free glamping adventure, contact us at U.P. Insurance Agency Inc. in Negaunee, MI, at 906-475-5400 today!

Getting Your First Apartment? What to Know About Renters Insurance

When you move into an apartment for the first time, there’s a lot to think about. One of the things that you need to consider when renting is whether to get renters insurance.

Many people turn to renters insurance from U.P. Insurance Agency Inc., servicing Negaunee, MI, because they want the peace of mind and financial protection that can come from a relatively inexpensive renters insurance policy. Here’s what you should know about renters insurance. 

Renters Insurance Coverage

Renters insurance coverage varies from one policy to the next, but a typical policy will cover items that are damaged in covered events like lightning strikes, fire, and theft. Coverage limits do apply, but if many of your possessions are damaged or destroyed in such an event, having a renters insurance policy can help you during the recovery process.

Renters insurance can also cover bodily injury or damage to someone else’s personal property if you’re responsible. Your insurance agent can tell you more about this. Finally, renters insurance usually covers loss of use, which means that if you have to stay in a hotel while waiting for your apartment to be repaired after a covered event, your insurance company will help with the costs.   

Renters Insurance Benefits 

Many people turn to renters insurance because they like the financial protection and peace of mind that comes from having this type of insurance. With renters insurance, you may save many hundreds or thousands of dollars. 

Who Needs Renters Insurance?

If you rent an apartment, you may benefit from renters insurance. Contact U.P. Insurance Agency Inc., servicing Negaunee, MI to learn more about how much renters insurance will cost and whether this is a policy that makes sense for you. 

How To Properly Insure Your Used Vehicle for the Winter

If you live in Negaunee, MI, you understand just how cold and snowy it gets in the winter. The hard winter conditions in Michigan can have a disastrous effect on your vehicle if it isn’t properly maintained. At U.P. Insurance Agency Inc., we help residents of Negaunee, MI properly cover their used vehicles each winter. We understand how important it is to have a working car to get to work in the harsh conditions associated with a Michigan winter.

The following are three ways to make sure your used vehicle is properly covered this winter:

1. Comprehensive

Don’t just get liability insurance if you drive a lot in the snow. Comprehensive coverage covers damage to your vehicle as well as the other party if you get into an accident on the slick roads. Comprehensive coverage also covers your classic vehicle if you choose to place it in storage until summer comes back around. If you live in an area with harsh winters, you should at least have comprehensive insurance. 

2. Storage Insurance

You may want to add supplemental storage insurance to your current coverage plan if you have comprehensive coverage. This is especially true if you have a valuable or classic car. This will ensure that your vehicle is properly covered if it is severely damaged while in storage. 

3. Full Coverage

The best way to have peace of mind is with full coverage. Full coverage includes comprehensive and liability coverage. You can also add any other supplemental coverage to this plan. It is the only way to ensure you are fully covered if anything happens to your vehicle or the passengers. 

Call Today To Discuss Your Options

If you have a used vehicle in Negaunee, MI, make sure it is properly covered during the winter. Contact us at U.P. Insurance Agency Inc. One of our representatives will be able to help you get the perfect insurance policy for your vehicle. 

From Roofs and Sewers to Jewelry and Cameras, Documentation Helps with Claims

Here at U.P. Insurance Agency Inc., we want our clients to get full benefit from the coverage they purchase for their family and property in Negaunee, MI. Documenting through photos, video, appraisal, inspection reports, and similar methods can help if the need for a claim arises. You’ll be able to present the documentation for comparison with the current state of the item or property, showing changes in its condition. We can help you determine what kinds of documentation are appropriate for use with your insurance company and assist in presenting it to them in case of a claim.

Coverage Considerations from Documentation

When you have parts of your property inspected as part of insurance documentation, you may find that it’s better to adjust your insurance coverage because of the cost of repair or replacement in case of claims. The professional providing an inspection or appraisal may note that the value has also increased, and your coverage should be adjusted appropriately. With the dynamic nature of insurance coverage, this also reminds our U.P. Insurance Agency Inc. customers in Negaunee, MI that documentation shouldn’t just be decade-old papers in a file cabinet somewhere. They should be updated regularly and possibly reviewed with your insurance professional.

What If You Don’t Have Documentation?

If you don’t keep documentation for property involved in a claim, get creative. You may find snapshots that contain pictures of the item that are helpful in the claims process. Professional photographers offer services for photo and video documentation of your valuables, your home, vehicles, and other coverage items or properties. Don’t forget to ask our insurance professionals about special coverage for particularly valuable items like heirlooms. We can help you make the most of your important insurance coverage!

Can I get boat insurance for protection during water sports, like skiing?

Negaunee, MI is a beautiful, safe place with many opportunities to enjoy nature at its finest. With access to a dozen lakes, it makes sense to take advantage of every opportunity to go boating. You can enjoy water activities even more if you have the security of knowing that you are protected in case anything happens. At U.P. Insurance Agency Inc., we can help explain your options so you can decide what’s best for you and your family.

Water Sports Coverage

Water sports coverage will help to pay medical bills and damages if you or your family members have an accident while water skiing, swimming, tubing, fishing, and other kinds of sports. This kind of coverage will help make sure you get prompt treatment without worrying about paying. Typically, water sports coverage is added to a more general boat policy.

Other Kinds Of Boat Insurance

The most common kind of boat insurance is for liability. If your activities cause another party to be injured or for someone else’s property to be damaged, your liability policy will pay. 

When it comes to boat insurance, make sure you understand your policy limits and deductibles. Some boat injuries are very serious and may require a large amount of treatment. You may be responsible for paying anything not covered under insurance out of your own pocket.

We Are Here To Help

You should enjoy the beautiful lakes in Negaunee, MI every chance you get. Water sports are a healthy way to spend quality time in nature with your friends and family. But make sure you have the protection you need. If you would like to discuss a policy for yourself, or if you just have questions, please feel free to call U.P. Insurance Agency Inc. today.

Will umbrella insurance cover me if I am sued?

Accidents happen, and challenges arise despite our best intentions, so we acquire insurance to protect us and our families against those unforeseen events. Among the most valuable forms of insurance are umbrella policies that supplement your primary insurance. If you want to see how you might benefit from an umbrella policy, contact the U.P. Insurance Agency Inc. team that serves Negaunee, MI.

How Umbrella Insurance Protects You When Sued

Your home, renters, auto, and similar policies cover damages to your property and the liabilities when you are found at fault for injuries suffered by others at your residence or related to your vehicle. Since each policy limits the dollar amount covered, umbrella insurance covers the amount exceeding a primary policy’s limits. Your primary policies also protect you in certain types of lawsuits, and umbrella insurance extends their coverage as well.

More broadly, umbrella insurance typically covers defense costs, judgments, and court costs if you or a household member is sued for the following:

-Personal injury and bodily injury to others

-Property damage

-Slander, defamation, and libel

-Invasion of privacy

-Wrongful eviction and entry

-Malicious prosecution and false imprisonment

Personal umbrella insurance does not extend to situations tied to business and professional activities or liabilities assumed under a contract. Neither does it cover harm caused that is criminal in nature or intentional.

As with all policies, discussing the coverage specifics with your insurance agent is best.

Working With U.P. Insurance Agency Inc

There is comfort in knowing you and your family have protection in a world where anything can happen. If you live in or near Negaunee, MI, and want to discuss umbrella or other insurance, call or stop in to see our team at U.P. Insurance Agency Inc.