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The Rathbun Agency Blog

All You Ever Wanted to Know About Insurance

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Because You Never Know When Your City Will Pull A Surprise Code Change

Did you know that after experiencing a homeowners loss, rebuilding your home to meet current codes may cost more than the replacement cost on your policy? What happens when your city decides to pass a new ordinance,...

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What's So Special About the Special Homeowners Form?

When it comes to homeowners’ policies, there are three different coverage forms available: basic, broad and special. But what are the differences? And how do these differences play out in real-world claims scenarios? It...

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Holiday Travel Tips

Even in the midst of a global pandemic, more than 13 million Americans will travel this holiday season to spend the holiday with friends and family. To ensure a worry-free holiday, here are some convenient travel and...

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Rathbun Agency Adds Pioneer State Mutual To Carrier Lineup

For sixty four years, we have been proud to partner with the best insurance carriers that offer broad coverage and competitive pricing. We are very excited to announce that we have added Pioneer State Mutual to our...

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Do We Really Need Insurance Agents Anymore?

With access to just about all the information you need online to make purchasing decisions, do you really need an insurance agent anymore? The thought of interacting in person with a local agent seems like an obsolete...

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How Are My Insurance Policies Affected by Coronavirus?

We have had several questions the last few weeks on how to reduce premiums during the mandatory stay-at-home order for both businesses and individuals. Most all carriers are making accommodations if you call their...

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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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