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IPS / Lighthouse Insurance Group Blog: livonia

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Lighthouse Insurance Group has closed the Livonia branch office location at 15624 Farmington Road, Livonia as of November 30, 2017.  It is important to know that this closure will not cause any change to the team you have become familiar to working with. 

 Rick Bernard and Mariah Cosper will continue to be available for our commercial (business) clients and the personal lines teams for new business and customer service remain the same.  Our hours are from 8:00am to 5:00pm, Monday-Friday.  Plus, our 24/7 support remains available on our website ( under the customer center tab to report claims, pay your bill or submit a change request. 

Continue to contact us at:

We look forward to continuing to serve your insurance needs.  Thank you!

Couple moving houseThere are many factors throughout life that change the amount of personal insurance you need, whether auto, life or renters insurance. Being that it’s early in the year, now is a great time to take a look at your life and decide if it’s time to update your renters insurance policy.

Renters insurance provides protection for your personal belongings in the event of theft or severe weather. Most policies also offer liability coverage to protect you against the expense associated with third party injuries and resulting legal action taken against you.

So, what factors would necessitate a change in coverage? Let’s take a look at a few.

  • Moving: If you decide to move when your lease is up, make sure you contact your insurance provider to, at the very least, inform them of your change of address. This is also a good time to review the amount of coverage you have, especially if you’re getting rid of a lot of stuff or buying a bunch of new things.

  • Change in income: As your career advances and you begin earning money, you may celebrate, as in natural, by buying yourself a few nice things that you’ve been eyeing, like a new big screen TV or piece of artwork. Make sure that you have enough coverage to protect your new assets.

  • Large purchases: Similar to the point above, any time you make a large purchase, it’s prudent to ensure that it’s covered under your policy. Some items, like jewelry or certain collectibles, may require policy riders because their coverage could be capped under a standard renters insurance policy.

  • Marriage or divorce: Whenever new assets are added or removed from a household, it’s important to ensure that your coverage reflects the changes. Additionally, many people bundle their auto insurance with their renters insurance, which will change the rate if a car is added or removed from a policy.

  • New baby: Having a baby requires a lot of new supplies and furniture. These new assets add up fast and it’s in your best interests to ensure that they’re covered under your policy. Additionally, it’s a good time to take another look at your life insurance, which can also be bundled with renters insurance.
We’ll help you review your coverage anytime. Call Insurance Planning Service at (734) 421-9900 for more information on Livonia renters insurance.

Woman under umbrellaIt’s no surprise that a lot of successful business people use a number of resources for advice, particularly when it comes to financial, legal and insurance decisions. When it comes to protecting assets, either as a store owner or real estate investor, the need for the right insurance policies are crucial.

Of course, the main consideration in choosing insurance is the personal liability that comes with, say, owning that rental property. As such, an umbrella insurance policy can help owners if they are the subject of a major claim.

An umbrella insurance policy is like having a mega-liability policy by providing personal and estate protection in areas like:

  • Personal injury: If you’re sued because someone thinks you libeled, defamed or slandered them (to name a few), the policy provides coverage to help defend you in the lawsuit.

  • Loss assessments:  In general, only specific amounts for a claim are covered if you’re sued by a tenant or a visitor to your property. It also provides protection if a corporation or association sues you.
Here’s just one example of coverage for a million-dollar lawsuit because you backed over someone at your place of business or rental property:
  • An auto insurance policy’s bodily injury limit of $300,000 kicks in; still, there’s a $700,000 gap to cover, which is where the umbrella insurance policy comes in.

In short, the umbrella protection adds another level of liability coverage that is above the limits one might already have on their homeowners, auto, business or boat insurance. Furthermore, it just may offer a broader scope of protection from any claims that might be excluded by your primary insurance coverages.

We’ve got you covered. Call Insurance Planning Service at (734) 421-9900 for more information on Michigan umbrella insurance.

Though the matriarch and patriarch of families with children are the most common life insurance policyholders, that doesn’t dismiss this coverage as unnecessary for single adults. Young adults may not yet have enough financial responsibilities to warrant such coverage, but the need for this type of coverage often grows as you age and accumulate more financial responsibilities.

Many single adults have dependents—children, elderly/sick parents or disabled family members—that they provide financial care for. These dependents may or may not be able to monetarily take care of themselves, but oftentimes policyholders consider life insurance benefits to provide comfort and support in the wake of tragedy.

The family members of single adults may undergo a financial burden following that person’s death, even if they are not dependents. A single adult may leave behind unpaid debts, such as a mortgage, student loans, a car loan or credit card debt. If the deceased’s savings cannot cover these debts, they can default to the next of kin, placing a hardship on the grieving family. Life insurance benefits can be used to pay off such debts without dipping into the savings of the surviving family members.

Similarly, the expense of laying the deceased to rest can be quite high, averaging up to $15,000 including the costs of the funeral service, cemetery plot, casket and headstone. Rather than letting this burden fall to family members, a single adult can buy life insurance to cover these expenses so the family can mourn their loss without the added stress of scrounging up the money to pay for the funeral.

If you are a single adult and find yourself if one of these situations, you may want to consider purchasing life insurance. Your local agent can evaluate your needs and help you select the coverage that best suits your lifestyle and your budget.

Learn about your options today. Call Insurance Planning Service at (734) 421-9900 for more information on Livonia life insurance.


Grand Rapids, Michigan - Richard D. Bernard of Insurance Planning Service of Livonia has successfully completed the annual continuing education requirement of the Society of Certified Insurance Counselors.

To earn this prestigious designation, Richard attended five courses covering all phases of the insurance business and passed five comprehensive examinations.  Additionally, The National Alliance requires annual attendance in the program to maintain the designation.

Richard Bernard, a 40-year veteran of the industry, has been a CIC since 1991.  Richard believes the insurance profession is best served by those who acquire and maintain a high standard of professionalism by meeting the continuing education requirements of the Certified Insurance Counselors program.

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake