Bell Agency- Insurance Solutions

08/25/2026

Heads up!

There are two projects starting in Davison Township next week.

CN will be making repairs to the railroad crossing on Irish Rd. Wednesday, August 26 through Saturday, September 5.

GCRC will begin construction on Lapeer Rd. between M-15 and the CL Ward driveway on Thursday, August 27. One way westbound traffic will be maintained.

Both detours utilize Davison Rd. and Gale Rd. Please see the map below or our website for more information.

08/14/2026

Your homeowners insurance covers your personal belongings, but high-value items like jewelry, engagement rings, watches, fi****ms, collectibles, musical instruments, artwork, and other valuables may have coverage limits.

A scheduled personal property endorsement can provide additional protection for the items that matter most, often including broader coverage for accidental loss and damage.

If you've recently received a special gift, inherited a valuable item, or made a significant purchase, now is a great time to review your coverage.

Contact us today to see if scheduling your valuables is the right choice for you!

08/12/2026

Think Renters Insurance Isn't Necessary? 💡Wednesday Wisdom

Your landlord's insurance covers the building—not your personal belongings.

Renters insurance can help protect your furniture, electronics, clothing, and more if they're damaged or stolen.

08/07/2026

Many homeowners are surprised to learn that water backup coverage is not automatically included on a standard homeowners insurance policy.

If water backs up through a sewer, drain, or sump pump and causes damage to your home or belongings, you could be responsible for the repairs unless you've added this optional coverage.

A water backup endorsement can help protect you from unexpected cleanup costs, repairs, and damage to your personal property after a covered backup.

Don't wait until there's water on the floor to find out what your policy covers. Contact us today to review your homeowners insurance and see if water backup coverage is right for you!

08/05/2026

💰 Quick Savings Tip. 💡 Wednesday Wisdom

Increasing your deductible may lower your premium.

However, make sure it's an amount you could comfortably afford if you had to file a claim.

Insurance is all about balancing protection and affordability.

08/03/2026

Do you prefer the convenience of logging into your policy whenever you'd like?

You actually get a discount for enrolling in paperless. This means you can access ID cards, sign renewal documents, and pay bills all inside the carrier app.

Contact us if you're interested!

07/31/2026

In Michigan, "limited property damage liability," widely known as the mini-tort law, allows a not-at-fault driver to recover up to $3,000 from the at-fault driver to cover vehicle repair expenses or collision deductibles that their own insurance did not pay.

This endorsement often costs less than a fast food combo and saves you thousands.

Contact us to make sure you have this affordable coverage on your auto policy.

07/29/2026

As most of you may know Scott has been diagnosed with cancer. To support him and his family we are hosting a benefit here at Madden’s Lounge for him Sunday, August 2nd. We hope to see you in attendance! 💚☘️

07/29/2026

🏠 They're Not the Same Thing. 💡 Wednesday Wisdom

Your home's market value and replacement cost can be very different.

Insurance is designed to help rebuild your home—not necessarily reflect what it would sell for today.

Make sure your coverage is based on rebuilding costs, not real estate prices.