Marcus Schirr Insurance Group

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Marcus Schirr Insurance Group Multi line insurance agency servicing Commercial- Home- Life- Lake and Country Estate- Auto.

October is your last real window to catch roof issues before Michigan winter makes everything harder and more expensive....
10/15/2026

October is your last real window to catch roof issues before Michigan winter makes everything harder and more expensive.

A missing shingle or small leak that's manageable in October can turn into a serious water damage claim after a few months of ice and snow.

If you haven't had your roof looked at recently, it's worth a call to a local roofer before the season turns. And while you're thinking about it, make sure your homeowners policy is up to date. Roof age and condition can affect what your policy covers.

Questions about your coverage? Call 248.464.8749 or visit marcusinsuresmi.com.

October is Fire Prevention Month, and it's a good reminder to do one simple thing this weekend: test your smoke detector...
10/01/2026

October is Fire Prevention Month, and it's a good reminder to do one simple thing this weekend: test your smoke detectors.

It takes 30 seconds and it's one of the most important things you can do for your family. While you're at it, check that your fire extinguisher is accessible and not expired.

And if it's been a while since you reviewed your homeowners coverage, that's worth a few minutes too. Making sure your policy reflects the current value of your home and belongings is the financial version of fire prevention.

Call us at 248.464.8749 or visit marcusinsuresmi.com.

The honest answer? Earlier than most people think.Life insurance is most affordable when you're young and healthy. Every...
09/28/2026

The honest answer? Earlier than most people think.

Life insurance is most affordable when you're young and healthy. Every year you wait, the cost goes up. And if a health issue comes up in the meantime, it can affect your ability to get coverage at all.

The right time isn't when you feel like you need it. It's before you need it.

If you've been thinking about it, that's already a sign it's worth a conversation. Call us at 248.464.8749 or visit marcusinsuresmi.com. We'll make it easy.

Most people don't buy life insurance for themselves. They buy it for the people who would be left figuring things out wi...
09/24/2026

Most people don't buy life insurance for themselves. They buy it for the people who would be left figuring things out without them.

A spouse who would have to manage a mortgage alone. Kids who depend on your income. A parent you help support. Those are the people life insurance is actually for.

It doesn't have to be complicated. And it doesn't have to wait. If there are people in your life who count on you, it's worth a conversation.

Call us at 248.464.8749 or visit marcusinsuresmi.com. We'll keep it simple.

If you've ever looked into life insurance and walked away more confused than when you started, you're not alone.Here's t...
09/17/2026

If you've ever looked into life insurance and walked away more confused than when you started, you're not alone.

Here's the simplest way to think about it.

Term life covers you for a specific period of time, usually 10, 20, or 30 years. It's straightforward and typically the most affordable option. If you're looking to cover a mortgage or protect your family during your working years, term is often the right starting point.

Whole life covers you for your entire lifetime and builds cash value over time that you can actually borrow against.

Neither is right for everyone. The best choice depends on your age, your goals, and what you're trying to protect. We're happy to help you figure it out. Call 248.464.8749 or visit marcusinsuresmi.com.

September is National Life Insurance Month, and we think it's worth talking about honestly.Most people know they probabl...
09/10/2026

September is National Life Insurance Month, and we think it's worth talking about honestly.

Most people know they probably need life insurance. The part that stops them is not knowing where to start, or assuming it's more complicated and expensive than it actually is.

Life insurance is one of the most straightforward ways to make sure the people who depend on you are taken care of if something happens. That's really what it comes down to.

If you've been putting off the conversation, this is a good month to have it. Call us at 248.464.8749 or visit marcusinsuresmi.com. No pressure, just honest answers.

One of the most common misconceptions we hear: "My homeowners policy covers everything."It doesn't, and finding that out...
08/27/2026

One of the most common misconceptions we hear: "My homeowners policy covers everything."

It doesn't, and finding that out during a claim is the worst time to learn it.

Here's one that surprises a lot of Rochester homeowners: standard homeowners policies don't cover flooding. Not from a burst pipe in most cases, and definitely not from a storm. That requires separate coverage.

If you've never sat down and actually gone through what your policy covers and what it doesn't, that's a conversation worth having before you need it. Call us at 248.464.8749 or visit marcusinsuresmi.com.

End of summer tends to bring out the big gatherings. Backyard parties, bonfires, neighborhood cookouts, one last weekend...
08/20/2026

End of summer tends to bring out the big gatherings. Backyard parties, bonfires, neighborhood cookouts, one last weekend at the lake.

What most people don't think about is that hosting comes with liability. If a guest gets hurt at your home or property, your homeowners policy is the first line of defense. But not every policy has adequate liability limits for larger gatherings.

Before you fire up the grill for the last time this season, it's worth knowing where you stand. Call us at 248.464.8749 or visit marcusinsuresmi.com.

Back-to-school season means a lot of families in Rochester are adding a teen driver to the mix, or sending a college stu...
08/13/2026

Back-to-school season means a lot of families in Rochester are adding a teen driver to the mix, or sending a college student off with a car for the first time.

Both situations have real insurance implications that are easy to miss.

If your teen is driving to school, they need to be listed on your policy. If your college student is taking a car out of state, your coverage may need an update.

Not sure where you stand? Give us a call at 248.464.8749 or visit marcusinsuresmi.com. We'll make sure everyone on the road is covered before the first bell rings.

Heading out of town this summer? Your home doesn't take a vacation with you.Before you leave, make sure someone you trus...
08/06/2026

Heading out of town this summer? Your home doesn't take a vacation with you.

Before you leave, make sure someone you trust knows you'll be away and can keep an eye on things. A house that looks lived-in is a much harder target.

Also worth checking: does your homeowners policy cover theft or damage that occurs while you're traveling? Some policies have conditions around unoccupied homes that most people never read.

A quick call before your trip could save you a headache when you get back. Reach us at 248.464.8749 or marcusinsuresmi.com.

Address

318 East Street
Rochester, MI
48307

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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