Insurance Needs

For Auto

Michigan's "No Fault" auto insurance law makes covering your car, your auto accident medical expenses and your auto liability a real challenge.

The unlimited auto accident medical expense coverage, coupled with many health insurance carriers excluding auto accidents from their policies has made Michigan's auto insurance one of the most expensive in the country. Our agents have the knowledge, and experience to help guide you to a great auto insurance program at a fair price.


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Protect Your Automobile

Suggestions to Reduce Theft and Vandalism

Millions of consumer dollars are lost each year due to auto theft and vandalism. According to the FBI, 707,758 motor vehicles were stolen in the u.s. in 2015. That is 1,939 cars stolen per day.


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Classic and Antique Car Coverage

At Scully-Monroe, we are “car guys”…we study them, we admire them, and we even own some of them.

In addition to the necessary auto liability coverages, there is “stated value” and “agreed amount” physical damage forms that you can get...


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For Home

When it comes to protecting your biggest investment, your home, Scully-Monroe features the finest products in the marketplace.

Whether you need single family dwelling homeowners, condominium, or renters insurance there are none better than Cincinnati's Executive Homeowners policy, Citizens Platinum Plus or Auto-Owners homeowners.

These products cover your house, your contents, your "toys", as well as your personal liability. Coverage for fire, lightning, smoke, wind damage, water damage and debris removal are all part of a well written homeowners policy. And don't forget to get adequate liability coverage. It comes in handy when those pesky, "TV lawyers" come calling if there is an injury accident on your property.



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HIGHER DEDUCTIBLES:

YOUR WINNING MOVE - Managing Your Insurance Costs

LOSS CONTROL AND PREVENTION

Even the best insurance and the best claim service cannot deter the pain, inconvenience and hassle that a loss creates. In addition to the cleanup, inventory, having to find temporary living space, there are some possessions that simply cannot be replaced.

Needless to say, you are never better off than you were before the loss. Your best bet is to take some simple steps to help prevent a loss from occurring. Checking your electrical wiring and breaker box, keeping your furnace in good working order, reducing the number of extension cords in your house are only a few ways that you can help yourself from suffering a loss. We can help you with other suggestions as well.

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For Business

As a business owner, you are probably aware of the need for property insurance for your building and contents. Oftentimes these policies are easier to understand and to justify purchasing.

However, in event of a loss, you may suffer a large business income or business interruption claim. In many instances, the business income loss can exceed the direct loss to the building, equipment or contents. Imagine a suspension of operation at your business that would inhibit your ability to earn income. Could you still afford to pay your rent, your employees or your utilities?

Most businesses don’t have the liquid capital to support an extended outage or reduction in normal operations, and may fail as a result. To illustrate this, it can help to go through several “what-if” scenarios with your business continuity in mind.


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For Life

When determining your need for life insurance, you need to know which policy is right for you. It is important to understand the biggest differences between term and permanent life insurance when deciding which of these products will best provide you and your family with peace of mind.

Term life insurance is a great way to protect your debt obligations without busting your budget. Term insurance doesn’t generate cash value within the policy, which is why it costs less than other types of life insurance.

Permanent life insurance is designed for a lifetime of changing insurance needs. Instead of having term coverage that lasts a certain number of years, insureds can rest easy knowing their permanent policy will never expire and will pay a death benefit to their beneficiary when they pass away.