Kelly Calmeyn, Insurance Agent

02/11/2026

Americans spent about $6.5 billion on jewelry last year for Valentine’s Day. ❤️
Is your jewelry properly insured in the event it is lost or stolen?
To keep your jewelry safe and properly covered The Hanover Insurance Group recommends following these tips:

𝟏. 𝐊𝐞𝐞𝐩 𝐭𝐡𝐞 𝐢𝐭𝐞𝐦 𝐢𝐧 𝐚 𝐬𝐞𝐜𝐮𝐫𝐞 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧: If you do not plan to wear the item regularly, consider keeping it in a safe deposit box or home safe.
𝟐. 𝐊𝐞𝐞𝐩 𝐚 𝐜𝐨𝐩𝐲 𝐨𝐟 𝐭𝐡𝐞 𝐬𝐭𝐨𝐫𝐞 𝐫𝐞𝐜𝐞𝐢𝐩𝐭: Forward a copy of the receipt to your insurer so that the company knows the current retail value of the item. Make sure to keep a copy for yourself.
𝟑. 𝐓𝐚𝐤𝐞 𝐚 𝐩𝐢𝐜𝐭𝐮𝐫𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐢𝐭𝐞𝐦: Get into the habit of keeping a visual record of all of your personal possessions. This helps to document your loss and speed up the claims process. It is also useful to document antique and unusual pieces of jewelry.
𝟒. 𝐇𝐚𝐯𝐞 𝐭𝐡𝐞 𝐢𝐭𝐞𝐦 𝐚𝐩𝐩𝐫𝐚𝐢𝐬𝐞𝐝: Heirlooms and antique jewelry will need to be appraised for their dollar value. This amount will determine how much insurance coverage you should get.
𝟓. 𝐀𝐝𝐝 𝐭𝐡𝐞 𝐢𝐭𝐞𝐦 𝐭𝐨 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐢𝐧𝐯𝐞𝐧𝐭𝐨𝐫𝐲: Everyone should have an up-to-date inventory of their personal possessions. An inventory can help you purchase the correct amount of insurance and speed up the claims process if there is a loss.
𝟔. 𝐀𝐬𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬: Whose insurance policy should carry the coverage in case of a loss – the purchaser or the recipient? Is the ring insured to the full cost or fraction of it?

01/16/2026

Have your premiums been on the rise? Are you thinking of shopping around? Before you do, take a minute to read this short article from Auto-Owners to help you make a more informed decision.

Read time: 4 minutes Buying auto insurance in 2026? Or deciding whether to renew your current policy? You’re in good company. More drivers have been reviewing their coverage and comparing quotes in recent years. To help make the process easier, this guide explains what’s driving that trend and w...

12/03/2025

This was a fun night! If you're dining out soon, stop by and support these local eateries, the food was delicious.

11/25/2025

Consumers are projected to spend more than $1.6 trillion over the holiday season this year! That’s a lot of gifts — many cherished, meaningful, and often quite valuable.

As you prepare to wrap, give, and celebrate, it’s the perfect time to think about protecting what matters most. Whether it’s fine jewelry, electronics, collectibles, artwork, or family heirlooms, making sure your valuable items are properly insured can give you peace of mind long after the holidays are over.

🔒 Why insure your valuables?
• Protect against loss, theft, or accidental damage
• Ensure high-value items are covered beyond standard policy limits
• Enjoy greater confidence knowing your treasures are secure

If you’ve purchased (or received!) something special this season, let’s make sure it’s fully protected. Send me a message or give me a call — I’m here to help you review your coverage and safeguard your new investments.

Wishing you a joyful, safe, and beautifully protected holiday season! 🎄💎📦

11/25/2025

In observance of the Thanksgiving holiday, our office will be closed Thursday, November 27th and Friday, November 28th. We will reopen for regular business hours on Monday December 1st.

11/04/2025

During the two weeks after we change our clocks back from daylight saving time, deer-vehicle collisions reach their annual peak. When we “fall back,” we create one more hour of high-danger driving. That afternoon hour of increased darkness results in more cars on the road when more wildlife roam. Stay safe by slowing down at dawn and dusk, using high beams when there’s no oncoming traffic, and always staying alert to movement along the side of the road.
https://environmentamerica.org/articles/daylight-savings-time-and-deer-collisions/

07/24/2025

Your premiums have increased this year, and your probably wondering why. Here is a quick read from Hastings Insurance Company to help you understand.

We know that changes in insurance can be overwhelming. Take a look at our new blog to help break down some of the barriers and make insurance easier to understand.

https://hastingsinsurance.com/blog/blog-post/mutual-understanding/why-is-my-insurance-so-high #

05/02/2025

𝗠𝗮𝘆 𝗶𝘀 𝗠𝗼𝘁𝗼𝗿𝗰𝘆𝗰𝗹𝗲 𝗦𝗮𝗳𝗲𝘁𝘆 𝗔𝘄𝗮𝗿𝗲𝗻𝗲𝘀𝘀 𝗠𝗼𝗻𝘁𝗵

As someone who rides, this is close to my heart. The warmer weather means more of us are out on the roads, enjoying the ride—but it also means we’re more vulnerable. Please, take an extra second to look twice before changing lanes or pulling out. That quick glance could save a life—maybe even mine.

Stay safe out there, friends!

04/04/2025

Skipping the big game? I'm here until 4:30 ready quote your insurance.

Get your policies out and give me a call!
313-255-9350
www.gbkinsurance.com
[email protected]

03/23/2025

🚨 🚘 𝐁𝐞𝐠𝐢𝐧𝐧𝐢𝐧𝐠 𝐀𝐩𝐫𝐢𝐥 𝟏 🚘🚨
Michigan will implement updated child passenger safety laws to enhance protections for young children on the road. To support community awareness, we are providing an informational flyer as a courtesy should you wish to use it as a resource.

𝐊𝐞𝐲 𝐔𝐩𝐝𝐚𝐭𝐞𝐬 𝐭𝐨 𝐭𝐡𝐞 𝐋𝐚𝐰:

• 𝐈𝐧𝐟𝐚𝐧𝐭𝐬 𝐭𝐨 𝐀𝐠𝐞 𝟐: Must be secured in a rear-facing car seat until they reach the manufacturer’s height or weight limits or turn 2 years old.

• 𝐀𝐠𝐞𝐬 𝟐 𝐭𝐨 𝟓: Once they outgrow the rear-facing seat, children should transition to a forward-facing car seat with an internal harness until they reach the manufacturer’s specified limits or turn 5.

• 𝐀𝐠𝐞𝐬 𝟓 𝐭𝐨 𝟖: Children must use a belt-positioning booster seat until they are 8 years old or 4 feet 9 inches tall, whichever comes first.

• 𝐔𝐧𝐝𝐞𝐫 𝐀𝐠𝐞 𝟏𝟑: All children under 13 should ride in the back seat when available.



To read more visit the Michigan State Police Child Passenger Safety Website https://www.michigan.gov/msp/divisions/ohsp/child-passenger-safety