Health insurance is a necessity we all need. At Luft Insurance Agency, our agents work with Michigan residents to find the right health insurance types that meet their needs. From traditional policies to health savings accounts, the agency offers various policies to provide each customer with the insurance they need for themselves and their family.

Coverage For Yourself and Your Family

No one expects to be sick. With the ever-rising cost of healthcare, even a short-term illness can be costly. Health insurance will cover most of your medical expenses once you have taken care of your co-pay. This can be a lifesaver if you or a family member have a chronic illness that requires long-term care and regular visits to your doctor.

Pre-existing Conditions

Pre-existing conditions were not covered in the past. Today, however, more and more insurance agencies are covering them. This gives individuals a chance to get the coverage they need without having to worry about whether or not all of their issues will be sufficiently cared for.

Supplementing Medicare

After people reach the age of 65 and sign up for Medicare, they quickly learn about their coverage gaps. Many opt to purchase supplemental policies to help fill out their coverage. There are multiple supplemental packages to choose from. Discussing your options with your agent will help you get the coverage you need.

In Escanaba, MI, Luft Insurance Agency agents are always available when you have questions about health insurance. Whether you are buying additional coverage or purchasing one for yourself and your family, you will have questions. Get the answers you need by calling the office at your earliest convenience. They can guide you through the process!

When you are in the Escanaba, MI area, you will continue to have a great long-term option of purchasing a home. Those who buy real estate here can benefit in a range of different ways, including helping you build long-term equity. If you choose to purchase a home here, you need to get the right insurance. One type of insurance that you will need to get is flood insurance. There are several reasons that someone may need to get flood insurance here.

Insurance Needed to Protect Home

If a flood ever damages your home, the costs to mitigate the damage can be significant. Due to this, you should always look for ways to protect your home against this risk. Since many home insurance policies do not have a substantial amount of flood coverage, getting a flood insurance policy separately could be the best way to protect your home and investment. 

Insurance Could be a Requirement

Other people may need to get a flood insurance policy if their home is located in a flood zone. Depending on where your home is located, it could be in a FEMA designated flood zone. In these situations where your home is located in a designated zone, your mortgage lender may require that you carry a full flood insurance policy. 

If you would like to get a flood insurance policy in the Escanaba, MI area, you need to get the support necessary to understand your options fully. The team at the Luft Insurance Agency will help you evaluate your situation to determine if flood insurance is needed. If you need to get flood insurance, the Luft Insurance Agency will help you build and choose the right policy for your situation.

Luft Insurance Agency assists the Escanaba, MI community by offering residents different types of insurance policies. We strive to help our clients find coverage that aligns with their circumstances.

Medicare Supplement and PDP Insurance

At Luft Insurance Agency, we believe that having health insurance coverage is very important. With so many different medical illnesses developing every year, it is vital that you are protected in the event that you get sick. Medicare supplement and PDP insurance will help ensure that you are covered as you go through the healing process.

Medicare supplement insurance helps fill in gaps with your treatment that may not be covered under Medicare Plan A and Plan B. This will help alleviate some of the stress that you may start feeling during your treatment. Medicare supplement insurance is especially beneficial when you are undergoing an outpatient procedure. If you have to undergo a unique type of procedure, Medicare supplement insurance is also an asset.

PDP insurance assists you by covering some of the charges associated with prescription drugs. Research your policy to see how much coverage you will receive based on Medicare Part A and Part B. You’ll also have to check your policy to ensure that both brand name prescription drugs and generic drugs are covered under your plan. Depending on the type of illness that you have, your treatment may change. Pay special attention to the enrollment date so that you won’t have any months where you aren’t protected while you wait for your coverage to start. In most cases, it’s recommended that you enroll at the start of the month.

Luft Insurance Agency Will Guide You Through The Process

If you are an Escanaba, MI resident, and you are researching Medicare supplement and PDP insurance, contact our office today! We will help you find the coverage that you are looking for.  

When you are a renter, you may not think about insuring your home. Why should you, you don’t own it? The landlord has to have insurance, doesn’t he?  He probably does, but his insurance isn’t going to protect you. It is going to protect him and his building. Michigan does not require renters to carry insurance, but your landlord or leasing company may. They are doing you a favor by requiring it. At Luft Insurance Agency in Escanaba, MI, we have been in business for almost 20 years and have experienced staff to help with your insurance needs. 

Renters insurance offers valuable protection. It will help to repair or replace your personal property if your rental is damaged or destroyed. Not every hazard is covered, but it does cover common events like fire, theft, storms, and vandals. You own a lot of stuff whether you realize it or not, and having to replace it all at one time may not be possible for you without the help of renters insurance. 

If your rental unit is damaged so severely that you are not able to live in it, renters insurance can help to find you a new place to live until you can move back to your home. It can also pay for a hotel stay while you look for a temporary rental. 

Liability coverage is one of the most important parts of rental insurance. If someone gets injured while visiting you, you can be liable for medical costs and may even get sued. This can cost you a lot of money in legal fees and judgments. It can also help to cover damage you or a family member may contribute to someone else’s property. 

Rental insurance offers valuable protection. Luft Insurance Agency in Escanaba, MI would love to talk to you about how this insurance can provide peace of mind. Give us a call or stop by our office for a no-obligation quote.

If you’re a new RV owner, chances are you have questions about insurance coverage. You want adequate protection but aren’t sure what coverage would be right for you. At Luft Insurance Agency, we’re more than happy to answer your questions and help you make good insurance choices. Here’s why RV insurance is essential in Escanaba, MI, and why you should have adequate coverage.

Protection against Crashes

Collision insurance covers your RV against collision damage. Even small dents can be costly to repair on an RV. Imagine how a major crash in Escanaba, MI will affect your finances if you have to pay your repair costs out of pocket.

Protection against Theft & Non-Collision Damage

If your RV is stolen at home or on the road, comprehensive insurance compensates you for its market value. It also covers damage to your RV from fire, inclement weather, or vandalism.

Protection against Total Loss

Total loss coverage helps cover the cost of replacing your RV if it’s destroyed by fire, collision, or other covered peril, so you don’t lose out on your investment.  

Protection against Breakdowns

Roadside assist coverage helps cover the cost of towing your RV to a repair shop if it falters during your travels, so you’re left stranded in the middle of nowhere.

Meet Insurance Requirements   

Michigan requires that RV drivers have minimum liability coverage by law. Liability insurance covers injuries or damage to other drivers in accidents that are your fault. If an accident you cause leads to a lawsuit, liability insurance helps cover your legal costs.

By compensating you for your vehicle repairs or the repairs and injuries of other drivers, RV insurance can save you thousands of dollars out of pocket. To purchase your RV insurance policy, call Luft Insurance Agency today.

Michigan is known for a lot more than the bustling crowds and streets of Detroit. Indeed, it is also known as an idyllic boating environment that we almost take for granted. Here in Escanaba, MI, situated along the banks of Lake Superior, and nestled along Little Bay de Noc, boating is a passion, lifestyle, and fun day of distraction for many of our friends, family, and neighbors. 

As such, staying safe on the water is everyone’s responsibility, but the boat captain and owner must ensure that they have the insurance should an accident occur. Luft Insurance Agency is standing by with our cadre of trained, licensed, and knowledgeable staff with the information you need to know about your Michigan boating insurance needs.

Boating Insurance in Michigan

Crafting the perfect watercraft insurance is the first key to safely navigating the waters of Little Bay de Noc. Protecting your jet-ski, boat, or other watercraft with insurance works in the same manner as your automobile insurance, and the best way to understand your coverage is to speak with a licensed boat insurance agent.

Also, like automobile insurance, boat insurance coverage helps repair any damage to your vessel while out on the war. As such, should you accidentally run aground or hit another watercraft, your coverage will help you get back on the water without having to pay anymore than your deductible.

Luft Insurance Agency Protects Your Boat in Upper Michigan

Boating in Michigan is one of the best reasons for living in Upper Michigan. For fellow Yoopers in Escanaba, MI who want to ensure that they have enough boat insurance for the season, we welcome you to come and visit our team here at Luft Insurance to discuss all of your insurance needs for your active Upper Michigan lifestyle.

It is recommended that those who are on Medicare for healthcare coverage invest in a Medicare supplement plan. At Luft Insurance Agency, we offer a variety of Medicare supplement options that clients in Escanaba, MI can consider. 

The following are the three main reasons why you need a Medicare supplement to complement your Medicare coverage. 

You enjoy coverage for certain pharmaceuticals that are not included in general Medicare Plan A and Plan B. 

All seniors have Medicare Plan A coverage, and some invest in Plan B coverage as well. However, this coverage will not cover the costs of all pharmaceutical medications you might need.

One area where Medicare supplement coverage is incredibly helpful is in covering the costs of pharmaceuticals. If you invest in a supplement, you’ll have greater confidence that the costs of the medications you need will be covered. 

You enjoy greater peace of mind in knowing your healthcare needs will be covered.

It can be stressful as you get older to worry that your healthcare needs won’t be covered. Medical expenses are among the biggest costs many seniors face.

A Medicare supplement can provide you with greater peace of mind by helping you avoid unaffordable medical expenses as a result of healthcare needs. 

You can avoid the requirement to pay co-pays on Plan B outpatient care coverage or take advantage of lower co-pays. 

Plan B Medicare coverage typically requires co-pays on the outpatient care it covers. These co-pays can add up in expenses quickly. With a Medicare supplement, you can either reduce your co-pays or eliminate them to enjoy lower healthcare costs. 

To learn more about our Medicare supplement coverage at Luft Insurance Agency in Escanaba, MI, contact our office.

Anyone that is moving into a new rental property in the Escanaba, MI area will likely be very excited about their new adventure. If you are moving into a new place, you need to make sure that you are fully prepared to meet all of your obligations. One thing that many people may need to do is get insurance for their rental home or apartment. There are several situations when this will be required.

When Assets Need to be Covered

The first situation when you will need to get renters insurance is when you have belongings that you want to be covered from theft and disaster. If you move into an apartment, the landlord’s insurance coverage will not cover your personal assets. If there is a fire or theft, you could lose all of your assets and not receive reimbursement. However, a renters insurance policy will give you coverage for this.

When Required by Landlord

Another situation when you will need to get renters insurance is when your landlord requires it. A diligent landlord will want to make sure that their property is adequately covered for any situation. To ensure that their tenants are included as well, requiring renters insurance at all times is common. You will need to provide evidence of this insurance coverage to your landlord in some cases. Not having this coverage will be a violation of your lease.

Renting an apartment or other property is a big responsibility. One thing that you will need to consider before moving is how to acquire a quality renters insurance policy. When looking for your next policy, you should call Luft Insurance Agency. The agents at Luft Insurance Agency in Escanaba, MI will be able to answer your questions and ensure that you find the right policy.