Bay View Insurance Agency
4200 3 Mile Rd N, Traverse City, MI 49686
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4200 3 Mile Rd N, Traverse City, MI 49686
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12935 S West Bay Shore Dr, Suite 100A, Traverse City, MI 49684
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920 S Garfield Ave, Traverse City, MI 49686
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12935 S West Bay Shore Dr, Suite 205, Traverse City, MI 49684
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800 Cottageview Dr., Ste. 1042, Traverse City, MI 49684
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800 Cottageview Dr., Suite 1042, Traverse City, MI 49684
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121 Drivers Edge, Traverse City, MI 49684
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Learn about insurance coverage options specific to Traverse City residents.
Navigate auto, home, and flood insurance in Traverse City. Understand Michigan's no-fault laws, waterfront risks, and winter coverage needs.
Home InsuranceTraverse City has Michigan's lowest home insurance rates at $1,327/year. Learn about lake-effect snow coverage, waterfront risks, and ice dam protection.
Car InsuranceComplete guide to Traverse City auto insurance: Michigan's no-fault system, unlimited PIP coverage, 50/100/10 minimums, and US-31 corridor risks. Get quotes today.
If you own waterfront property or live in an area with flood history, yes. Standard homeowners insurance doesn't cover external flooding, and 13% of Grand Traverse County properties face flood risk. Even one inch of water can cause $25,000 in damage. Flood insurance through NFIP averages $1,068 per year in Michigan, which is far less than the cost of even minor flood damage.
Personal Injury Protection (PIP) covers medical expenses for injuries you and your passengers sustain in an accident, regardless of fault. Property Protection Insurance (PPI) covers damage your vehicle causes to other people's property like fences, buildings, and mailboxes, up to $1 million. Both are mandatory in Michigan, in addition to standard liability coverage.
Standard policies cover frozen pipes, ice dams, and roof collapses from snow, but only if you maintain your property. You must keep your home heated to at least 65 degrees to prevent frozen pipes, and insurers expect reasonable roof maintenance. If you neglect these responsibilities, your claim could be denied even though the damage is technically covered.
No. Standard homeowners policies exclude coverage for short-term rentals. You need a commercial or landlord policy that covers liability for guests and property damage they cause. The risk profile changes when you rent to strangers, and insurers require specialized coverage for vacation rentals.
Older homes have higher risk due to aging electrical systems, plumbing, roofs, and foundations. Historic homes near downtown often have outdated wiring, knob-and-tube electrical, or older heating systems that increase the likelihood of fires or water damage. Insurers charge more to cover this additional risk, and some may require upgrades before offering full coverage.
Notify your insurer immediately. Most policies limit coverage for homes vacant longer than 30-60 days. Keep heat at 65 degrees to prevent frozen pipes, and consider having someone check the property weekly. Some insurers require proof of regular inspections for vacant properties during winter months, or they may deny claims for preventable damage.
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