North Central Insurance

09/02/2026

Our term of the week is Coverage Limit

Your coverage limit is the maximum amount your insurer will pay out for a covered claim. If you file a claim and the cost exceeds your coverage limit, you may be responsible for the remaining expenses. The key is making sure the limit is high enough to cover the cost of repairing, rebuilding, or replacing what you have, so you’re never caught off guard.

Don’t get caught off guard by a low coverage limit. Stop in today to review your policy and make sure there are no surprises. https://www.northcentralinsuranceclare.com/

09/02/2026

This September, take steps toward being ready for anything. Swipe through for five easy steps and save this post so you’ve got a checklist when you need it.

08/28/2026

Don’t let life insurance myths hold you back.

Click the link in our bio to talk to our team about your options.

08/28/2026

❌ Myth — “I’m young and healthy, I don’t need life insurance yet”
✅ Truth — The younger and healthier you are, the more affordable your rate typically is. Locking in coverage early can save you money long-term.

❌ Myth — “Life insurance is too expensive”
✅ Truth — Many people overestimate the cost, and term policies are often more affordable than expected.

❌ Myth — “My employer’s coverage is enough”
✅ Truth — Employer-provided life insurance is a great start, but it often isn’t enough to cover your family’s needs. It also won’t typically follow you if you change jobs.

Don’t let life insurance myths hold you back — Connect with our team about your options. northcentralinsuranceclare.com/

08/26/2026

𝘖𝘶𝘳 𝘵𝘦𝘳𝘮 𝘰𝘧 𝘵𝘩𝘦 𝘸𝘦𝘦𝘬 𝘪𝘴 𝘽𝙚𝙣𝙚𝙛𝙞𝙘𝙞𝙖𝙧𝙮

A life insurance beneficiary is the person or entity you choose to receive your policy's death benefit when you pass away. You can name one or multiple beneficiaries — a spouse, child, charity, whoever you'd like. It's an important decision to make early, since a policy without a named beneficiary can end up tied up in probate instead of going straight to the people you want to protect.

Unsure if your beneficiaries are up to date? Make sure your policy reflects your wishes — connect with our team today! northcentralinsuranceclare.com/

08/25/2026

Life insurance isn’t something anyone loves to think about, but it’s one of the best ways to protect your family’s future. Swipe through to learn what it covers, different options and how much you need. 

08/19/2026

𝘖𝘶𝘳 𝘵𝘦𝘳𝘮 𝘰𝘧 𝘵𝘩𝘦 𝘸𝘦𝘦𝘬 𝘪𝘴 𝙐𝙨𝙖𝙜𝙚-𝘽𝙖𝙨𝙚𝙙 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚

Usage-based insurance (UBI) ties your auto policy's cost more closely to how you actually drive. While insurers have traditionally relied on factors like age, location, and driving record to assess risk, UBI programs go a step further by tracking things like your driving habits and mileage — often through a mobile app or plug-in device — to help calculate your rate. It's a win-win: safe drivers can earn a discount and insurers get a more accurate picture of risk.

Curious if a usage-based program could save you money? Click the link below to talk with our team and see if it's the right fit for you! https://www.northcentralinsuranceclare.com/

08/17/2026

𝐓𝐄𝐀𝐌 𝐌𝐄𝐌𝐁𝐄𝐑 𝐌𝐎𝐍𝐃𝐀𝐘
Meet president and owner William (BJ) Murphy

With a degree in business management and more than a decade of experience in the insurance industry, taking the helm of North Central Insurance in 2021 was a natural fit for William. He enjoys working with people on a daily basis to help them understand their insurance options and provide them with the best possible coverage for their unique needs. William lives in Clare with his wife, two children, and two dogs. He can often be found in the local community coaching his sons’ sports teams and serving as a Clare Area Chamber of Commerce board member.

Whatever your insurance needs, William and the whole North Central Insurance team are here to help. Reach out today!

08/15/2026

Whether your college student is the one with the policy, or they're sharing a space where a roommate has it, the same rule applies — only the named policyholder's belongings are covered.

That means if your student's roommate has the policy, your student's stuff might not be protected. And if your student has the policy, their roommate's belongings likely aren't covered either.

The fix is simple: make sure every roommate either has their own renter’s insurance or is added to the policy. It's a quick step now that can save a big headache later.
Connect with our team to ensure your student is covered before move-in day! northcentralinsuranceclare.com/

Located in Clare, independent insurance agency, North Central Insurance has proudly provided comprehensive insurance solutions for individuals, families, and businesses throughout Michigan since 1984. From Auto & Home to Business & Life Insurance, we can help!

08/12/2026

𝘖𝘶𝘳 𝘵𝘦𝘳𝘮 𝘰𝘧 𝘵𝘩𝘦 𝘸𝘦𝘦𝘬 𝘪𝘴 𝘼𝙘𝙩𝙪𝙖𝙡 𝘾𝙖𝙨𝙝 𝙑𝙖𝙡𝙪𝙚

Actual cash value (ACV) is the replacement cost of your belongings minus depreciation. If your policy uses ACV, that means when you file a claim — say, for a stolen laptop or damaged furniture — you'll be paid what those items are worth now, not what it costs to buy them brand new.

Don't let depreciation surprise you after a loss. Visit our website to connect with our team and see if your policy has ACV or replacement cost coverage. northcentralinsuranceclare.com/