Sam Cannonier

Our mission at Sam Cannonier State Farm is to make an impact on our community by building a personal relationship with you & your family and helping you understand the risks you face every day, while assisting you with your needs. We can help you and your families with any needs you have! Car Insurance in Michigan If you're looking for auto quotes or car insurance in the Michigan, you're making a smart decision!

Car Insurance Protects you against loss for damages resulting from car accidents, theft, events and other unforeseen costs with your policy type. An insurance policy helps buy the value of injury to cars, property, and even people. www.samcannonier.com

How can I save money on car premiums?

• Your deductible

• You can potentially save money by speaking with your agent!

• A good driving record helps

• Utilizing all the applicable discounts available to you

How do you know if you have the right coverage? Visit www.samcannonier.com or give us a call to schedule an appointment!

Homeowners Insurance in Michigan

When you buy a home insurance policy in Michigan, your insurer will consider a variety of things when calculating your monthly premium, including your circumstances, house value and more. The factors outlined below have the potential to affect your final home and contents premium.

The coverage you'll need within the event of a claim on your home and contents insurance (minus any excess you owe) is referred to as the "sum insured" Your sum insured amount needs to be enough to hide replacement or rebuilding expenses for your home, otherwise you'll risk under insurance, which could leave you out of luck and out of pocket. If you don't have adequate coverage, your insurer may only pay part of your claim- which is why you want to be insured for the right amount.

How do you know you have the right coverage? Visit www.samcannonier.com or give us a call for an appointment! Lastly, once you insure your home, you'll need to calculate the replacement value of the entire structure and associated outbuildings as accurately as possible. You'll also want to do an equivalent for the belongings in and around your home. If you own particularly precious items, you would possibly consider removing additional valuables cover. Speak to your insurance agent about potential endorsements or other policies that could help cover your special items. Your Insurance Deductible A deductible refers to the sum you've got to pay once you claim on your policy. Most insurance policies will have a basic or standard deductible which applies to each claim. Although, you'll typically have the choice to change your deductible amount, which can reduce your insurance premium. Other Factors that Affect Homeowners Insurance There are a variety of other factors which will affect your Michigan home insurance, which are detailed as follows: Your level of coverage. Your home insurance premium are going to be valued by the exact extent of insurance coverage you select and any additional benefits you include. Home Security. Age and Structure of your property. Your insurer will consider your property's age, construction materials and sturdiness to work out potential premium. How the property is occupied. If you're renting your property to somebody else, or your house is unoccupied for a particular amount of your time, it's going to affect your premium; that's if an insurer is willing to require on this added risk within the first place. Life Insurance Looking for life insurance in Michigan? You've come to the right place! Life insurance pays a lump sum benefit to a beneficiary at the time of your death. It means once you pass on, your loved ones do not have to stress about any expenses or debts you could potentially be leaving. What does Life Insurance covers? Life Insurance goes a long way towards protecting you and your loved ones from a financial standpoint if something unexpected happens. Different life insurance products are designed to guard you from different events which will occur. If you pass on or you become ill or injured and may not work, there may be policies that can pay out a payment. This ensured that your family continues to enjoy an equivalent financial standard of living as before. ~