Why Grand Rapids Homeowners with Pools Need Increased Liability Coverage

Posted on March 22, 2025March 17, 2025 by admin

Having a pool in your Grand Rapids home can provide endless fun and relaxation. However, it also comes with increased risks and liabilities. Here’s why homeowners with pools need increased liability coverage.

Understanding the Risk of Accidents with Pools

Pools can pose a risk of accidents, from slips and falls to more serious incidents like drowning. Increased liability coverage can protect you financially if someone is injured in your pool.

Pools as an “Attractive Nuisance” in Grand Rapids

Pools are considered an “attractive nuisance” in insurance terms. This means they can attract children and others who might trespass on your property and potentially get hurt, leaving you liable.

How Increased Liability Coverage Protects Your Assets

If an accident happens and you’re found liable, the costs can be significant. Increased liability coverage can help protect your assets from being seized to cover these costs.

Enjoy Your Pool with Peace of Mind in Grand Rapids

Knowing you have adequate liability coverage can give you peace of mind, allowing you to enjoy your pool without worrying about potential financial risks.

At Steenland Insurance Agency, we understand the unique insurance needs of homeowners with pools. We can help you assess your risks and ensure you have the right amount of liability coverage. Contact us today to learn more.

Why Young Adults in Grand Rapids Need Life Insurance

Posted on February 18, 2025March 17, 2025 by admin

Life insurance is often overlooked by young adults, but it’s a crucial part of financial planning. Here’s why young adults in Grand Rapids need to consider getting life insurance.

Debt Protection

Many young adults carry significant debt, including student loans and car loans. Life insurance can help cover these debts if something happens to you, preventing your family from being burdened with them.

Lower Premiums

The younger and healthier you are, the lower your life insurance premiums will be. Locking in a low rate now can save you money in the long run.

Income Replacement

If you’re a significant contributor to your household income, life insurance can provide a financial safety net for your loved ones in the event of your untimely death.

Future Planning

Even if you don’t have dependents now, you may in the future. Getting life insurance now ensures that you’re covered when that time comes.

At Steenland Insurance Agency, we understand that life insurance may not seem like a priority for young adults. However, its benefits can offer peace of mind and financial security. Contact us today to learn more about our life insurance options for young adults in Grand Rapids.

Why Grand Rapids Drivers Need Uninsured and Underinsured Motorist Coverage

Posted on January 21, 2025March 17, 2025 by admin

Driving in Grand Rapids, like anywhere else, comes with its share of risks. One of these is the possibility of an accident with an uninsured or underinsured motorist. Here’s why you need coverage for such incidents.

The Risk of Uninsured and Underinsured Motorists

Despite laws requiring auto insurance, some drivers in Grand Rapids are uninsured. Others may carry only the minimum required insurance, which may not cover all the costs associated with an accident. This is where uninsured and underinsured motorist coverage comes in.

What Does Uninsured and Underinsured Motorist Coverage Do?

This coverage protects you if you’re in an accident with a driver who is uninsured or doesn’t have enough insurance to cover the damages. It can cover medical expenses, lost wages, and other costs associated with the accident.

Why It’s Essential in Grand Rapids

Grand Rapids drivers face a higher risk of accidents due to factors like weather conditions and high traffic volume. Having uninsured and underinsured motorist coverage provides an extra layer of protection, ensuring you’re not left out of pocket after an accident.

At Steenland Insurance Agency, we understand the unique risks faced by Grand Rapids drivers. We can help you find the right auto insurance policy, including uninsured and underinsured motorist coverage, to keep you protected on the road. Contact us today for more information.

How to Choose the Right Home Insurance for Your Grand Rapids Home

Posted on December 16, 2024March 17, 2025 by admin

Choosing the right home insurance for your Grand Rapids home can be a daunting task. With so many options available, it’s essential to understand what to look for to ensure your home is adequately protected. Here are some tips to help you make the right choice.

Understand Your Coverage Needs

First, assess the value of your home and personal belongings. This will help you determine the amount of coverage you need. Remember, home insurance should cover the cost of rebuilding your home and replacing your belongings in case of a disaster.

Compare Different Policies

Not all home insurance policies are created equal. Some offer more comprehensive coverage than others. Compare different policies and pay attention to what is and isn’t covered. Look for a policy that covers the specific risks associated with living in Grand Rapids, such as flooding or snow damage.

Consider the Insurance Company

Choose an insurance company with a good reputation for customer service and claims handling. At Steenland Insurance Agency, we pride ourselves on providing top-notch service to our Grand Rapids clients.

Review Your Policy Regularly

Finally, remember that your home insurance needs may change over time. Regularly review your policy to ensure it still provides the coverage you need.

Choosing the right home insurance is crucial in protecting your most valuable asset. Contact Steenland Insurance Agency today for personalized assistance in finding the right home insurance for your Grand Rapids home.

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