Why do I need renters insurance

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.

5 Reasons to Purchase RV Insurance

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.

Boating in Upper MIchigan

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.

Three Tips for Putting My Car in Storage

If you are going to put your vehicle in storage, there are a few things you should remember. In Escanaba, MI, the agents of Luft Insurance Agency can assist you by giving you some helpful tips that will keep your care secure and in good condition. Even though your car won’t be out on the road, you will still need to take steps to protect it.

Check Your Engine

Change your oil and check your engine. Make sure all of the fluids are topped off and that everything is in good working order. This will ensure that when you pull it out of storage, it will be road-ready and set for travel.

Keep It Clean

Take your car through the car wash and wipe down the interior. Remove any trash or debris and make sure that all of the compartments are empty. For an added touch, put a new air freshener in it so that it smells clean and fresh when you take it out of storage.

Maintain Your Insurance

Even though you may not be driving your car for a few months, it’s important to keep your vehicle insured. This will cover any damage that may occur while it is in storage.

Agents at Luft Insurance Agency understand how important your vehicle is to you. Winters in Escanaba, MI can be harsh, so putting your vehicle in storage is just one way you can protect it from the elements. Call and speak to one of the agents today and find out what type of policies are available if you plan on putting one or more of your vehicles in storage. They have the answers to all of your questions!

Three reasons why you need a Medicare supplement

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.

When is renters insurance needed in Escanaba?

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. 

What Does RV Insurance Cover

Taking to the open road with your RV is the stuff dreams are made of. Visiting all the places you have read about or just getting away to a quiet place to relax is what RVing is all about. Unfortunately, the roads are often crowded, and getting to where you want can be challenging. You want to make sure that your RV is protected as well as yourself. RV insurance coverage depends on the type of RV that you have. Talking to one of the knowledgeable agents at Luft Insurance Agency in Escanaba, MI can help you make the right decision about the types of RV coverage you need. 

RV insurance coverage comes in most of the same types as auto insurance. That means you can carry liability coverage, collision, and comprehensive. Liability insurance protects you personally from the results of an accident. If you are sued because of the accident or required to pay for medical expenses or damage to the other party’s vehicle, you can also get uninsured or underinsured motorists insurance.  

Collision insurance offers coverage for your RV. If it is damaged in an accident where you are at fault, you want to make sure that it will be repaired. Comprehensive coverage will repair or replace your RV if it is vandalized or stolen. It also offers coverage from a variety of non-collision events like a significant hail or wind storm and even flooding. Where RV insurance is different from auto coverage is that you may want to have content coverage and coverage for things that are attached to the exterior of the RV like an awning. 

Protecting your RV with insurance makes good financial sense; an RV is a significant investment worth protecting. Call or visit the office of Luft Insurance Agency in Escanaba, MI to get a no-obligation quote. 

Is boat Insurance Alone Enough For A Charter Business?

People who use their boats for recreational purposes should have boat insurance, and in some instances, may be required by law. However, those who use boats as a source of income should be primarily concerned with carrying boat insurance. Individuals and companies who have a recreational charter business should explore all of their options with the assistance of a professional insurance agent. 

Obtaining the Right Boat Insurance Policy

If you are the owner of a charter business, you need to pay special attention to what is covered in the policy. There are specific options available that help protect you from losses and liability. Additionally, you may even consider having an umbrella policy in place if advised by your insurance agent. Be selective when working with an agent because they can be one of the top tools you have in protecting yourself from a variety of threats. 

Working With an Insurance Company

There are many insurance companies to choose from, but not all of them are the same. If you are searching for top quality boat insurance, you should check out Luft Insurance Agency, serving the residents of Escanaba, MI. You will find agents who are well versed in these types of insurance matters, and they can help present appropriate options as well as help guide you through the purchase process. Additionally, they can also help file claims if necessary in the future. 

Even if you already have boat insurance, it pays to consult a top insurance agent from Luft Insurance Agency. Residents in the Escanaba, MI area can count on us to help find reliable insurance they need while helping avoid gaps in coverage. 

Why Contractors and Sole Proprietors Need Health Insurance

Choosing health insurance as a contractor or a sole proprietor in Michigan is something that is unfortunately overlooked. Escanaba, MI residents purchasing health insurance from Luft Insurance Agency comes with several benefits that make the coverage essential and investment instead of an obligation.

Preventative Health Care

Having the opportunity to meet with a personal doctor annually or more frequently as needed allows you to develop a solid medical record over some time. Should you have any gradual changes to your health over time, your doctors have the data they need to provide preventative health care and adequately diagnose medications and treatments as they are required. Depending on emergency room care for the duration of your career can leave you without a reliable medical record and inaccuracy regarding your health. 


Some vaccines are annual shots, and others are distributed once or twice as permanent vaccinations. With a health insurance policy, you have access to getting your permanent shot record updated if it needs to be. Also, you are eligible for annual preventative shots such as influenza or pertussis. These vaccines protect not only the person receiving them but also their family members.

Specialized Doctor Visits

For many patients, they need to visit a specialist for one thing or another for a disease or disorder that they may have. With a health insurance policy, this is a more affordable option, and for many contractors, the only way that they can venture to get the treatment that they need. These visits are often much more costly for those attempting to pay out-of-pocket.

Get your coverage today!

If you are a contractor or sole proprietor in the Escanaba, MI area, contact Luft Insurance Agency today to get the health insurance policy you need. 

Who needs to carry flood insurance

Floods are the number one natural disaster in the United States. They happen in every state and territory and can cause massive amounts of damage. It is estimated that even one inch of water in your home can produce more than $25,000 in damage. Many different things cause floods, and the question of who needs to carry flood insurance is something that residents in and near Escanaba, MI should discuss with an insurance professional like the team at Luft Insurance Agency.

In the past, flood insurance was traditionally only available through the NFIP (National Flood Insurance Program). Flood damage is not covered by home, condo, or renters insurance. It must be purchased separately, and if you live in a high danger area, your lender may require that you carry flood insurance. But, high danger areas are not the only place that floods happen; at least 20% of flood damage occurs in the regions that are not considered to be high risk. 

The NFIP does not sell the flood insurance directly, and it is available through designated agents who participate in their program. Today some private insurance companies also offer flood insurance coverage. However, before you consider getting private flood insurance, make sure that your lender will accept that coverage. 

History of the area where you live may be a good indication of whether or not you require flood insurance. But, with climate changes happening across the country, areas that have previously not flooded have been affected by the rising water levels. Heavy snowmelt can also send rivers roaring over their banks, which happened in the spring of 2019. 

If you are considering flood insurance in Escanaba, MI, the Luft Insurance Agency will be happy to discuss the options that they have available. Give the office a call or stop by to talk to a member of our team about this necessary coverage.