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Atlas Insurance Agency

520 E. 4th Street
Royal Oak, MI 48067

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Geodesic Dome Homes and Insurance: Unique Dwelling Coverage

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Geodesic dome homes in the Southeast Michigan area, known for their distinctive spherical structures, have gained popularity for their energy efficiency and structural resilience. Geodesic dome homeowners must consider specific factors when obtaining home insurance to ensure their property is adequately protected.

Understanding the Unique Risks of Geodesic Dome Homes

Geodesic dome homes stand out due to their unconventional design and materials. Their spherical shape and often unconventional construction make them distinct from traditional homes. This is where the underwriting is tailored to the specific needs.

Structural Coverage for Geodesic Dome Homes

Structural coverage is paramount when it comes to home insurance for geodesic dome homes. Policies should address these dwellings’ distinctive building materials and construction methods. Protection against perils such as fire, wind damage, and natural disasters must be tailored to geodesic domes’ specific vulnerabilities and strengths.

Personal Property Coverage

Beyond the structure, personal property coverage is crucial for homeowners. Geodesic dome dwellers need protection for their belongings, including furniture, appliances, and other personal items within the unique confines of their spherical homes.

Liability Coverage Considerations

Liability coverage is another essential aspect for geodesic dome homeowners. Given the unconventional design, liability protection should consider potential risks associated with visitor safety.

Customizing Coverage for Geodesic Dome Homes

Customization is vital when insuring geodesic dome homes. Homeowners should work closely with insurance providers to tailor coverage to the specific needs of their spherical dwellings. This may include addressing energy-efficient features, specialized building materials, and associated risks.

Navigating Zoning and Regulatory Compliance

Geodesic dome homes may face zoning challenges due to their non-traditional appearance. Insurance policies should comply with zoning regulations.

Atlas Insurance Agency Can Help You

At Atlas Insurance Agency, we can help answer questions concerning home insurance. We serve the Southeast Michigan area. Contact us today. 

Get Recreational Insurance – Because Trouble Never Takes a Vacation

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Recreational vehicles are created and designed for fun and excitement. That is also why people from all over Southeast Michigan rely on companies like the Atlas Insurance Agency to ensure fun and excitement and to keep everyone safe. Help protect your next recreational trip and your peace of mind with the right recreational insurance policy.

It doesn’t matter if you are on the water on your jet skis, off-roading on your motorbike, or riding around the yard on your four-wheeler because recreational insurance can help in many ways. From property and accident damages to financial help for injuries requiring medical attention, the right coverage can make a world of difference.

Have Fun Without the Worry

The scene is a common one throughout the great state of Michigan and is nowhere more evident than those images of people and families having fun by any one of the lake cities of Southeast Michigan. Unfortunately, however, along with many of those recreational activities come accidents and injuries.

The good news is, with the knowledge of having recreational insurance, we can enjoy more of our recreation and leisure time with less worry. And if we ever do have to face a problem as the result of an accident, with recreational insurance, we won’t have to face those issues alone.

Insuring Recreational Vehicles All Across Southeast Michigan

Welcome to the Atlas Insurance Agency, where we offer a range of insurance plans and coverage options for recreational vehicles for residents throughout Southeast Michigan and beyond. If you are looking for recreational insurance for you and your family, then look no further than the Atlas Insurance Agency. Contact us to learn more and get the recreational insurance you are looking for today because trouble never takes a vacation.

Four reasons why it’s so important for consumers to have umbrella insurance

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Umbrella insurance is important if you are a consumer in Southeast Michigan who wants to enjoy complete financial protection. We provide umbrella insurance policies to area consumers at Atlas Insurance Agency. 

There are plenty of good reasons why you should be investing in umbrella insurance.

The following are four reasons why it’s so important for consumers to have umbrella insurance:

Umbrella insurance gives consumers peace of mind.

Umbrella insurance provides consumers with peace of mind by extending liability coverage beyond the limits of their standard policies. It offers financial protection against unforeseen accidents, lawsuits, or claims that could otherwise deplete personal assets.

With an umbrella policy, individuals can navigate life’s uncertainties with confidence, knowing they have an extra layer of security to safeguard their financial future.

Umbrella insurance prevents financial problems for consumers who enjoy activities that involve liability risks.

Umbrella insurance is especially important for consumers who participate in certain activities or fill roles that involve liability risks. These include coaching a kids’ sports team, being a high-profile public figure, or frequently hosting large parties on one’s property. 

Umbrella insurance can protect a consumer’s reputation.

Umbrella insurance can protect a policyholder’s reputation by covering the costs of legal defense in case of defamation, libel, or slander lawsuits. This added layer of liability protection ensures that individuals are shielded from potentially damaging legal disputes that could tarnish their reputation and financial well-being.

Umbrella insurance typically offers worldwide coverage.

Those who often travel internationally are especially likely to benefit from carrying umbrella insurance. That’s because umbrella insurance coverage typically follows a policyholder anywhere in the world that he or she travels. With umbrella insurance, you don’t have to worry as much about liability expenses when you’re traveling in foreign countries.

Consult With Us

Get the umbrella insurance coverage you need in Southeast Michigan from Atlas Insurance Agency. Get in contact with us now for a policy quote!

Can I Have Multiple Life Insurance Policies?

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At Atlas Insurance Agency in Southeast Michigan, we work with our clients to plan for the future–especially the parts of it that may be difficult to consider in the present moment like when you may pass away and leave your loved ones behind to support themselves. You may be the main earner in the family. Alternatively, you simply might want to make sure that your family has everything they need after you’re gone. A life insurance policy can go a long way in providing some extra income to loved ones after you pass away. Sometimes, it’s even enough to cover essential expenses after you’ve passed through a death benefit. 

Sometimes, one life insurance policy may not seem like enough coverage for you to feel confident that your beneficiaries will have what they need after you’re deceased. In this case, you may think about the possibility of having more than one life insurance policy. While that could be helpful, the most important question is whether it’s doable from an insurance standpoint.

Can I Have Multiple Life Insurance Policies?

While every policy and situation has unique terms, limits, and conditions to consider, you may be able to hold more than one life insurance policy at a time if your policy and agency allow it. If you hold an existing life insurance policy with another agency or the same one, the second life insurance policy’s limits will almost certainly be impacted by the existing policy. All the life insurance policies will have to stay within the confines of your insurability limit. If having multiple life insurance policies matters to you, you should contact our team to explore potential coverage options.

For more information about our life insurance policies, call Atlas Insurance Agency in Southeast Michigan today!

Types of Auto Insurance Coverage: What Do You Really Need?

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If you own a car, you know that car insurance is a necessity in Southeast Michigan. However, with so many types of auto insurance coverage, it cannot be easy to understand which ones you need. Atlas Insurance Agency explains the different types of car insurance coverage, what they include, and what you need to know to make an informed decision.

Types of Auto Insurance Coverage

Liability Insurance

Liability insurance is the most basic form of car insurance and is required in Michigan. This type of insurance protects you in case you cause an accident and someone is injured or their property is damaged.

Collision Insurance

If you get into an accident, collision insurance will cover the cost of repairing your car, regardless of who is at fault. However, you must pay a deductible before the insurance company starts covering the expenses.

Comprehensive Insurance

Comprehensive insurance covers damage caused by incidents other than accidents, including theft, vandalism, fire, severe weather, and falling objects.

Personal Injury Protection (PIP)

PIP is an insurance that pays for medical expenses and lost wages if you or your passengers are injured in an accident without considering who caused the accident. The requirement for PIP insurance varies by state. It is mandatory in Michigan.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can be helpful in case of an accident with someone who doesn’t have insurance or enough insurance to pay for damages.

We Are Here To Help

Understanding the different types of car insurance coverage is essential to ensuring that you have the right protection in Southeast Michigan. Contact Atlas Insurance Agency today if you have questions about which coverage to buy. Remember, auto insurance is an investment in your peace of mind and financial security.

Protect Your Small Business With Commercial Insurance

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Owning a small business in Southeast Michigan has its fair share of challenges and rewards. Investing in the right commercial insurance coverage is crucial to safeguarding your company’s future. At Atlas Insurance Agency, we understand the unique risks businesses face in our region and offer tailored solutions to protect your operation.

Safeguard Your Financial Stability

A single unexpected event can have a devastating impact on a small business’s financial stability. By investing in commercial insurance, you can protect your company from the financial burden of unforeseen incidents. With the right policy in place, you can have peace of mind knowing that your business will be able to recover quickly and continue to thrive, even in the face of adversity.

Enhance Your Professional Reputation

In addition to providing financial protection, having a comprehensive commercial insurance policy can also help enhance your company’s reputation in Southeast Michigan. Clients and customers often view businesses with proper insurance coverage as more reliable and trustworthy. By partnering with Atlas Insurance Agency, you can demonstrate your commitment to protecting your customers, employees, and assets, helping to build trust and foster lasting relationships.

Meet Legal and Contractual Requirements

Depending on your industry and location, you may be legally required to carry certain types of commercial insurance. Additionally, many contracts with clients or vendors may stipulate specific insurance requirements. Ensuring that your business has the appropriate coverage protects your company and helps you maintain compliance with these legal and contractual obligations.

Reach Out To Us

Commercial insurance is vital to any successful small business strategy in Southeast Michigan. At Atlas Insurance Agency, our knowledgeable team is dedicated to helping you find the right coverage to protect your business and secure its future.

Contact us today to discuss your unique insurance needs and discover how we can help safeguard your company’s success.

How can home insurance protect my SE Michigan property?

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Buying a home and becoming a property owner has continued to be an excellent way to build long-term wealth and receive other financial benefits. When you are looking to buy a home in the Southeast Michigan area, you will find there are a lot of great places to live. Before closing on the purchase of a home, you need to get insurance in place.

A home insurance plan will cover and protect you in multiple ways: 

Cover Dwelling

Your home and personal assets are important assets that you not only use on a daily basis but also purchase and invest in. The last thing you will want to have happen is to lose these assets due to fire, natural disaster, or other risks. If you continue to build a home insurance plan, it will give you the support that you need to protect your dwelling and other assets. If you do incur a covered loss, the insurance plan will offer support to make repairs or replacements.

Liability Risk Mitigation

There are always liability risks that come with owning a home. If you are a property owner and want to mitigate these risks, getting a full home insurance plan is a great option. This will include provisions so you can reduce and offset these risks. 

We Can Help

Anyone in the Southeast Michigan area that is looking for a new home should consider buying a property and getting the right insurance for it. Once you are ready to start looking for insurance protection here, you could benefit greatly by calling our group of insurance professionals at Atlas Insurance Agency. There are a lot of choices that you will need to make when looking for coverage, and our team with Atlas Insurance Agency can help you build a new plan. 

The Importance of Liability Coverage for Recreational Insurance

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At Atlas Insurance Agency, we understand that Southeast Michigan recreational activities are a great way to enjoy the outdoors and socialize with friends. However, they can also be dangerous. That’s why it is essential to protect yourself and your property in case of an accident or injury while participating in these activities. 

Understanding Third-Party Liability Coverage for Recreational Insurance

Third-party liability coverage is an essential part of recreational insurance policies. This policy covers the costs associated with injuries or damages caused by someone else’s negligence while participating in a recreational activity, such as a sporting event, a camping trip, or a boating excursion.

Liability insurance is crucial to have in order to protect yourself from the costs of injuries or damages caused by someone else’s negligence. Without this coverage, you could be held liable for any expenses related to the incident. You may even face lawsuits if the other party decides to take legal action against you.

The Benefits of Liability Coverage for Recreational Equipment and Activities

Liability coverage can provide peace of mind while participating in recreational activities by protecting you from potential financial losses. Also, liability insurance helps protect yourself and your equipment should something go wrong on your outing. It can also offer protection against legal fees if a dispute arises over an incident involving third-party negligence. Protecting yourself and your equipment should be your top priority, and liability insurance ensures you can do just that.

Reach Out To Us

At Atlas Insurance Agency, we understand the importance of having liability coverage for your Southeast Michigan recreational activities. We offer a range of policies to fit your needs so you can enjoy the outdoors with peace of mind. Contact us today to learn how we can help protect you while participating in recreational activities.

How much umbrella insurance do I need?

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Umbrella insurance is a type of policy that offers extra coverage over and above your existing homeowner’s or other liability insurance. It is designed to protect you from catastrophic financial losses in the event of an accident, injury, property damage, or lawsuit. When deciding how much umbrella insurance coverage you need in Southeast Michigan from Atlas Insurance Agency, it’s important to consider the value of your assets and any potential liabilities. 

How much umbrella insurance do I need?

For example, if you own a home worth $300,000 and have $200,000 in savings, you would need at least $500,000 in umbrella insurance coverage to protect those assets. If you have multiple vehicles or recreational toys like boats or jet skis that are covered by separate policies, then you would need an even larger amount of umbrella insurance coverage. Additionally, consider if there is anyone else who could potentially be held liable for any actions – such as family members living in your home – and factor them into the equation when determining how much umbrella insurance coverage is right for you. 

Ultimately, the amount of umbrella insurance coverage needed will depend on each person’s unique situation. A good way to start researching how much umbrella insurance you should get is to talk to an experienced independent agent who can provide highly personalized advice and help create a tailored plan for your needs.

Atlas Insurance Agency Is Here To Help!

If you have any additional questions about how much umbrella insurance you need or have any questions about any other type of insurance policy, give us at Atlas Insurance Agency a call today. We are proud to serve the Southeast Michigan area, and would be happy to help you find a policy that suits your needs and your budget.

The Importance of Life Insurance

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When it comes to life insurance policies and other types of insurance coverage, the agents at the Atlas Insurance Agency work diligently to serve the residents of the Southeast Michigan area. There are many different types of life insurance policies, and we are taking a look at three of the most popular options.

While no one wants to think about passing away, it is a natural and inevitable part of life. Having a life insurance policy in place for your loved ones in the event of your death can help you have great peace of mind and contentment while you are still enjoying your life.

Life insurance policies are designed to help loved ones be able to pay for the mortgage, car payments, funeral expenses, and other expenses after someone dies.

Three Main Types of Life Insurance Policies

Universal Life Insurance

Universal life insurance is a very popular choice for most people since it really has two parts to it. First of all, it is a life insurance policy that will pay out a certain amount of money to your beneficiaries upon your death. Secondly, it will allow you to withdraw money throughout your life so that you can pay off your mortgage, vehicle, and other things while you still have time to enjoy them. This also helps your loved ones if you can pay off several bills before you pass away. Even if you borrow money from this account, there still should be money left over to be paid out to your beneficiaries after you pass away.

Term Life Insurance

Term life insurance will only pay out a death benefit if the policyholder dies during the term in which the policy is in effect. For instance, if you have a 30-year term policy and you die within that term, your loved ones will receive a death benefit. If you die after the 30-year term limit is up, there will be no payout unless you renew your policy for another term.

Whole Life Insurance

Whole life insurance will pay out a death benefit to your loved ones after he passes away. Whole life insurance is divided into three different types of insurance, including universal life, variable universal life, and traditional whole life.

Contact Us Today

Call the agents at the Atlas Insurance Agency serving the Southeast Michigan area today to get your life insurance policy started.