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The Rathbun Agency Blog

All You Ever Wanted to Know About Insurance

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Should I Schedule My Cell Phone on My Home Insurance?

You can purchase personal articles coverage on your homeowners polices for cell phones. The price is typically less than purchasing the insurance directly through the provider, but the coverage is not as broad. There...

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Do I Need A Personal Umbrella Policy?

Yes. But what is an umbrella policy? A personal umbrella policy is an additional liability policy that provides coverage beyond the limits of your primary personal insurance policies. Typically, the umbrella is...

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What's the Difference Between Market Value and Replacement Cost?

One of the most common questions we get when insuring a piece of property is how we determine the insurable value. Oftentimes we present a home insurance proposal to an insured and they inquire as to why the dwelling...

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5 Tips to Keep Pipes From Freezing

With the extreme cold temperatures around Mid-Michigan the past few weeks, the risk of frozen pipes is more present than ever. As water freezes, it expands and puts pressure on pipes. When there’s too much pressure on...

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