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Hardt Insurance Blog

View the latest blog posts from Hardt Insurance.

What first appeared to be a bizarre property damage incident of fairly epic proportions has turned out to be a hoax.  A significantly large blueberry was reported to have partially crushed a local home.  Fortunately, it just turned out to be a reckless teenager playing around with graphic design, instead of doing his summer homework. READ MORE >>

Michigan has plenty of great colleges and universities to choose from. Sending a child off to college can be an emotional and stressful time. There are plenty of things that need to get handled, from paying the tuition bills, to meeting new roommates, to logistics of moving into new housing. READ MORE >>

Spring means time to sweep out the garage, clean up the yard, and brush up your insurance to make sure you are covered for when you might need it the most.  Here are 5 tips to keep things running smoothly on your insurance this spring. READ MORE >>

As an insurance agent, I've had customers tell me, “I never use my home insurance, so why am I paying so much?” I often say, trust me- you don’t want to use it- you never want to go through the trauma of a major fire or broken pipe claim just to see your policy pay out. READ MORE >>

I get asked all the time: “My car is one year older this year, so why did my car insurance not get any cheaper?”   The reality of the cost of car insurance these days is there are dozens, if not hundreds, of moving levers affecting the premium for each of us. READ MORE >>

Short-term vacation rental properties are popping up everywhere, especially in popular resort areas like the Lake Michigan shoreline.  From South Haven to Saugatuck, Covert to Glenn, and the inland lakes and beyond, vacation rentals are big business. READ MORE >>

When buying home or property insurance, there are a few common valuation choices for how your home or business would be covered in a loss. Valuation has to do with how claim dollar amounts are arrived at, in connection with the physical damage to your property. READ MORE >>

Many of us belong to or serve on boards of non-profit organizations. From service to social clubs, business groups, churches, youth service, or food assistance, these groups are very important to our communities. But just because their missions are often noble, it doesn’t mean they are immune to liability for their operations and actions. READ MORE >>

 Tis the season!  The holiday season yes, but also the season for ice dams.  Our recent snows combined with the current warmer temperatures mean gradually melting roof snow.  Roof raking the edges of your roof can help minimize the risk of these forming, but usually there are longer-term solutions that might be needed. READ MORE >>

The holiday season is upon us, and with it comes turkey, pies, cookies... now I'm getting hungry. But with all that comes a spike in kitchen fires and kitchen related accidents.  Some items to keep in mind during the holiday season to keep everyone happy and healthy: READ MORE >>

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