Allen Harmon & Kozhuharov Insurance Agency

11/24/2025

Unexpected disruptions can happen to any business — from natural disasters to supply chain issues.

Business interruption insurance helps replace lost income and cover ongoing expenses if operations are temporarily paused. It’s one of the most important (and often overlooked) protections for keeping your business financially steady through uncertainty.

Start 2026 prepared and contact our team to review your coverage and ensure your business can recover quickly after a setback.

11/19/2025

Marriage is a big step forward — and one that deserves to be protected. Life insurance can help do just that, offering peace of mind and a financial safety net.

Here’s why newlyweds should get life insurance sooner rather than later:

🔹It helps cover mortgage or loan obligations you take on as a couple.
🔹It can be borrowed against if challenges arise.
🔹It provides financial protection if one of you were to pass unexpectedly.
🔹It’s often more affordable the earlier you start.

Start building a secure foundation for your future together. Have questions? Our team is here to help you explore your options!

11/10/2025

Deductibles are one of the most important — yet often misunderstood — parts of an insurance policy. Whether you're insuring your vehicle or your home, knowing how deductibles work can help you make smarter financial decisions and avoid costly surprises. Swipe through for some key considerations.

Not sure what deductible makes the most sense for you? Our team can walk you through your options and help you strike the right balance. Contact us today.

11/05/2025

Have you ever found yourself wondering whether you need life insurance or how it really works? If so, you’re not alone. A 2024 study by J.D. Power survey found that only 29% of life insurance customers “strongly agreed” their insurer made policies simple and easy to understand, highlighting a widespread knowledge gap that leaves many unsure of where to start.

To help out our network, we’ve compiled a beginner’s life insurance guide. Swipe to learn more. If you have questions about life insurance or want to find the right fit for you, we’re here to help. Give us a call today.

10/31/2025

This Halloween, our team just wanted to share a little festive cheer with our clients: It’s truly 🍬 a treat 🍬 to work with you!

Whether you're carving pumpkins, dressing up, or enjoying time with friends, we hope your Halloween is full of fun — and free of tricks.

Stay safe and have a spook-tacular celebration!

10/28/2025

Halloween is right around the corner, and while it's full of fun and festivities, safety always comes first. Whether you're walking in the neighborhood or welcoming little ghosts and goblins at your door, these tips can help ensure everyone has a safe and enjoyable evening ↩️

Have questions about your insurance coverage this season? Let’s connect to review your current policy.

10/23/2025

Winter conditions have the potential to bring your jobsite to a standstill or create dangerous situations for your crew. With this in mind, we have compiled some tips to help you prepare. Swipe to learn more.

If you have questions about how winter risks could impact your coverage or need help reviewing your policy, our team is here to help. Give us a call today.

10/14/2025

We are looking to add an agent to our Rochester, MI office! If you know anyone who would be a great fit to our team, please encourage them to apply:

We are a family-owned Independent Insurance Agency, founded in 1917 in Battle Creek, MI. We are currently looking for a full-time insurance agent.

10/13/2025

October is Cybersecurity Awareness Month, making it a perfect time to ensure your smart home devices aren’t giving cybercriminals a backdoor into your life. With everything from thermostats to baby monitors now connected to the internet, safeguarding your home network is more critical than ever. Swipe to learn more.

Want to learn how cybersecurity insurance can protect your home and personal data? Contact us today.

10/07/2025

Did you know that deer-related vehicle collisions cause over $1 billion in damages each year, with the average repair exceeding $3,000? As deer activity peaks from October to December, a few simple precautions can make all the difference on the road. Swipe to learn more.

Have questions about what’s covered in the event of a deer collision or your auto insurance in general? Reach out — we’re here to help.

10/01/2025

October is Breast Cancer Awareness Month 💗 In 2025, over 319,000 women and nearly 3,000 men in the U.S. are expected to be diagnosed with invasive breast cancer. When diagnosed at a localized stage, the five-year survival rate is 99%. Routine screenings can save lives.

This month and every month, we encourage you to schedule your routine screenings and remind your loved ones to do the same. And if you have questions about your insurance coverage for preventive care, our team is here to help. Give us a call anytime.

09/27/2025

Emergencies can strike without warning, but financial preparedness can make all the difference. In honor of National Preparedness Month, we’re highlighting how life insurance can play a critical role in your emergency plan. Swipe through to learn more.

Want to explore your life insurance options or review your current policy? Contact our office today.