Marcus Schirr Insurance Group

Adding a teen driver to your policy is one of the most common calls we get every summer, and one of the most misunderstood insurance moments a family goes through.

Here's what to do before you hand over the keys:

Call your agent and add them to your policy right away. A teen driving without being listed is a coverage gap, plain and simple.

Ask about discounts. Good student discounts and driver training credits are real, and most people don't know to ask.

Review your liability limits. A new driver on your policy means more risk on the road. Your current limits may need an adjustment.

We're right here on East St in Downtown Rochester. Give us a call and we'll walk you through it, no pressure.

A lot of people put off thinking about life insurance because it feels like a conversation for later. But there are a few moments in life when later becomes right now.

You just got married. Two people, one financial future. Life insurance makes sure that future is protected no matter what.

You bought a home. A mortgage doesn't go away if something happens to you. The right policy makes sure your family keeps the house.

You had a child. The moment someone depends on you completely is the moment coverage stops being optional.

You started a business. Your partners and employees are counting on you too.

If any of these sound familiar, it might be time to have the conversation. We make it easy and straightforward. Reach out anytime.

Summer in Michigan means more time on the road, and more road means more risk.

A few things worth thinking about before you rack up the summer miles:

Construction zones are everywhere in Michigan from June through August. Fender benders in work zones can come with doubled fines AND complicated insurance situations.

Road trips mean driving in unfamiliar areas, sometimes across state lines. Make sure your coverage travels with you.

More teen drivers are on the road all summer. If you have a new driver at home, now is a good time to review your policy.

Not sure if your auto coverage is ready for summer? Give us a call. We're right here in Rochester and happy to take a look.

Today we remember.

Thank you to every man and woman who served, and to the families who stood beside them.

From all of us at Marcus Schirr Insurance Group, happy Memorial Day, Rochester. Our office is closed today. We'll see you Tuesday.

Michigan weather in May:

Monday: 68 degrees, sunshine, everyone's grilling.
Thursday: Snow.

Your homeowners policy: covering both since forever.

Happy Friday, Rochester. Whatever the weekend throws at you (meteorologically speaking), we've got you covered.

Here's something a lot of people don't think about until it's too late: general liability coverage isn't just for big companies.

If someone gets hurt at your home, your rental property, or even at a small event you hosted, you could be on the hook for more than you'd expect. A solid liability policy is one of the simplest ways to protect what you've built.

Not sure if you have the right coverage? Give us a call or send a message. We're right here in Rochester and happy to walk you through it, no pressure.

"What exactly IS an annuity?"

We get this question a lot. Here's the short version:

An annuity is a contract between you and an insurance company. You put in money (either all at once or over time) and in return, the company guarantees you regular payments, either starting now or at a future date.

Think of it as a way to create your own paycheck in retirement. It's not for everyone, but for people who want predictable income and don't want to outlive their savings, it can be a really solid tool.

There are a few different types (fixed, variable, indexed) and the right one depends on your goals. Drop a question in the comments or send us a message. We're happy to walk you through it, no pressure.

Life insurance helps protect the people who matter most by providing financial security when it’s needed most.

Let’s find the right policy for your family.

Your home is one of your biggest investments. The right homeowners insurance can help protect your property and belongings from unexpected events.

Contact us today to review your coverage options.

Marcus Schirr is here to bring you peace of mind with auto insurance, protecting you financially if an accident happens so you can keep moving forward.

Get the coverage you need for the road ahead. Request a quote today.