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Frequently Asked Questiions

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A: “No-prior” is a term used within the insurance industry to describe individuals who do not have a current insurance policy in place for the prior 6 months. 

Category: Auto

A: You do not want to settle for cheap car insurance, you need an affordable rate with an insurance company that will protect you, your family and your assets. 

Category: Auto

A: There are many variables as to why your insurance rates are high. Some rating factors that your rate is largely based on are your insurance score, the city you live in, your claims history, and your driving record. Other factors, such as: age, gender, education history, affiliations with memberships, amongst others, also play a lessor role in determining rates.

Category: Auto

Comprehensive coverage covers physical damage to your vehicle that is not a result of a collision with another vehicle or object, such as: fire, vandalism, falling objects, or if you hit an animal while driving, it also covers theft.

Category: Auto

A: No, damage from floods are not covered on your homeowners insurance policy, instead, a flood insurance policy would cover flooding.

It is important to recognize the difference between a flood insurance policy and water back up coverage on your homeowners insurance policy. Water back up coverage does not cover home floods if the water pours in through windows, doors or walls; instead, it covers the backflow of water or sewage through drains.

Consider the following two options: 

Example 1: The sump pump in your home has stopped working and water is coming in through your floor drain and causes damage. This damage would be covered under the water back up coverage on your homeowners insurance policy. 

Example 2: Water is pouring in through your basement windows and causes damage; this damage would require you to carry a flood insurance policy as it is not covered by water backup coverage. Typically, the vast majority of flood insurance policyholders are homeowners in flood zones, as designated by FEMA. 

Category: Homeowners

A: Most homeowners policies have basic coverage for jewelry. A high-valued piece or collection of jewelry should be scheduled on your policy; scheduling the property under your homeowners insurance policy will ensure the jewelry is properly covered.  

Category: Homeowners

ANo, your car would not be covered under your homeowners insurance policy if the damage is caused by a home fire, instead, the comprehensive coverage on your auto insurance policy would cover such damage.

Category: Homeowners

A: Although State Auto is not a widely recognized, the company was founded in 1921 and has an excellent financial rating of A- with AM Best.  State Auto is a national insurance company currently insurance products in 33 states.   Click here to find out more about State Auto.  (https://www.stateauto.com/About

Category: General

A: We are located at 38221 Mound Rd, Sterling Heights, MI 48310, however, we currently conduct business in Michigan, Ohio and Indiana. 

Category: General

A: Usually, the higher your credit score, the better your insurance score is and subsequently the lower your premium rate is.

Category: General

Yes, they do.  Some insurance carriers use “insurance scores,” which is a reflection of your credit score. 

Category: General

A: Envision Insurance is an independent insurance agency located in the heart of Sterling Heights, MI. We offer products from several insurance companies, including: Nationwide, Progressive, Liberty Mutual, State Auto, Safeco and many more. In order to find the best rates for our clients, we continually shop the insurance market on their behalf.

Category: General

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