How Much Home Insurance is enough The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one. How much home insurance is right for you? Based in Clarkston, HAINES-ROSS AGENCIES, INC. understands the home insurance needs of our customers. HAINES-ROSS AGENCIES, INC. can help you re-evaluate your insurance needs, just give us a call...

A Few Tips for the College-Bound

College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out of your coverage.

HOMEOWNERS (varies by state)

• Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,0...

Lightning Facts and Fallacies

The next time you see or hear a thunderstorm in your region, you might want to take a moment to review what you know about lightning safety. Strikes are most common during the summer thunderstorm season, but they can happen at any time of the year. And, a lot of less-than-accurate ideas about lightning have found a place in the popular imagination over the years. Here's a look at current knowledge.

Indoor Safety

• The safest place to be du...

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance compan...

Guest Blogger: Jean Mabry- Clark-Theders Insurance Company– BBB Accredited Business

Did you ever wonder what would happen when your tree falls on your neighbor’s house during a wind storm? Who would be responsible? Will your homeowner’s insurance policy cover their damage? This would be considered an act of Mother Nature and is not covered unless it was caused by your negligence. This particular question is one that comes up often since we have so many ha...