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Meyering Insurance Blog

Spring is here, is your home ready for the season? There are several items that may be in need of your attention.

  • Do your smoke detectors and carbon monoxide detectors need to be replaced? Check the expiration date on the back when changing the batteries. These life-saving devices should be tested monthly, but the season change is always a great reminder time to make sure they are in perfect working order.
  • Check your fire extinguisher(s). Like smoke detectors, they also expire and need recharging and or replacing.
  • Clear your gutters from leaves and debris before the spring rains start.
  • Check your roof shingles for any damage caused by high winds and ice over the winter and replace them before you end up with a leak from spring rains.
  • Get your air conditioner ready for the hot summer days. Regular maintenance allows the unit to run more efficiently and cut your energy cost. If you want to do this project on your own, there are great step by step instructions on DIY Network.
  • Check your outdoor lighting and replace bulbs, especially in security lighting.
  • Examine any wood railings or decking that may have come loose or damaged over the hard winter months that need to be tightened or replaced.
  • Walk all the way around your home and examine from the roof line to the foundation for any cracks or gaps that need to be resealed. This will keep your home more energy efficient and prevent unwanted house guests from entering.

This is also a great time to look at your homeowner’s policy and make sure you are adequately covered. Contact us today! We’re here to make sure you have the coverage you need.

Keep your home and family safe while staying warm this winter.

Home Heating Safety – Have furnaces, chimneys, fireplaces, wood and coal stoves inspected and cleaned before another winter of use. Test batteries in smoke and carbon monoxide detectors. Other good steps to take to get one’s home ready for winter include:

• Make sure flashlights are available throughout the house and that they have fresh batteries. Winter storms can lead to power outages.

• Insulate the home by installing storm windows or covering the inside of windows with plastic to keep cold air out.

• Develop a fire escape plan and practice it with everyone who lives in the home.

• Have a disaster supply kit ready should winter storms hit. The kit should include a three-day supply of food and water per person, flashlight, battery-powered or hand-crank radio and extra batteries. Other things to include for the winter include:

• Warm coats, gloves or mittens, hats, boots and warm clothing for all household members, along with extra blankets.

• An alternate way to heat the home, such as a fireplace, or wood or coal burning stove.


Space Heaters – With temperatures dropping, many people are using alternate sources of heat to cut down on heating bills. The Red Cross recommends that people look for a model that shuts off automatically if the heater falls over. Other safety tips include:

• Place the heater on a level, hard and nonflammable surface in the home.

• Keep all potential sources of fuel like paper, clothing, bedding, curtains or rugs at least three feet away from space heaters, stoves, or fireplaces.

• Portable heaters and fireplaces should never be left unattended. Turn off space heaters and make sure any embers in the fireplace are extinguished before going to bed or leaving home.

• Keep children and pets away from space heaters.


Source: American Red Cross

Agent's Outlook

Meyering Insurance Agency, lnc., is located in southwest Michigan only a few miles from Lake Michigan. The agency was founded in 1948 by John Meyering in the farming town of Hamilton. Shortly after starting the agency, Mr. Meyering hired his nephew, Robert (Bob) Jansen. Mr. Jansen ran the agency until his retirement. Since that point, the agency has had four owners and is currently co­ owned by Tim Yonker and me, with offices in both Hamilton and Zeeland, Michigan.

One of the ways our agency has had successful growth is from recently hiring two producers who had experience with a direct writer. We took advantage of the Auto-Owners Producer Development Program to solidify the agents' sales skills.

The producers appreciated the solid sales skills they learned, along with the opportunity to stay in touch with the other attendees from the program. Because of premium growth and life production, our agency was able to earn the fee back on both attendees.

From an agency outlook, there always seems to be pressure on both growth and staffing. Growth comes from various sources, including hiring new or experienced agents, continued book growth from current producers and expansion into other markets.

Of course, finding new producers in today's market is extremely difficult, and expecting growth from seasoned producers who have established books can be a difficult thing to ask. Goals are set with each producer for premium and new business growth and are reviewed annually. These goals help our agency and the agents stay focused on profitable growth. Meyering Insurance Agency has been honored to be one of the Top IO agencies for profitable premium growth for the West Michigan region.

Expansion can be an expensive alternative as well, and requires long-term planning. Our agency has continued to grow by attempting to offer the highest level of service to both retain accounts and attract as many referrals as possible.

We also focus on account rounding with our clients. We write personal lines for many of our business owners, and consistently try to write home, auto, umbrella and life insurance for our personal lines clients. We believe this approach enabled us to expand to an additional location in Zeeland.

From a staffing perspective, Tim and I continue to look for opportunities to become more efficient on both our own books, as well as trying to equip our employees with the tools needed to get more work done quickly and accurately.

We have found that our staff wants to be more involved in formulating processes that directly affect them. Our employees are given responsibilities to deal directly with all of our carriers, which has given the company a highly knowledgeable team that can educate one another and keep all of us in tune with the ever-changing carrier environment.

Our employees are given the option for flex time, which has helped us in retaining quality people. We also recently hired an agency consultant who advised us on staffing, agency management system consistency, good agency practices, and also some sales and marketing ideas.

Along with staffing and growth, the other big factor is rapidly changing technology. We continue to look at ways to become more technologically advanced and don't want to be naïve about the fact that this is a necessary piece of our business.

That being said, we also stress to our producers that they maintain a close relationship with their insureds. We feel that retention rates are maintained by close contact and the ability of the customer to always be able to access someone at any time.

As technology continues to grow, I still believe our customers will want an experienced agent to guide them through the process related to their insurance needs. I believe that this will be one of the biggest challenges over the next five to 10 years and will always be an ongoing test for any organization.

We also value our relationships with our carriers. Marketing representatives meet with Tim and me on a regular basis, and they are encouraged to also meet with the staff. Our agency takes advantage of co-op programs offered by our carriers. Through this we are able to do a lot of local advertising to cement our presence in the Holland, Zeeland and Hamilton communities.

Overall, our agency feels that the independent agency system is the best way to provide our product and to take care of our customers. Working with excellent carrier like Auto-Owners Insurance provides us with the best possible solutions for our clients and is a great way for us to do business.


This article is being shared from Agent's Outlook, which can be seen here.

7 Things to do after you say "I Do"

7 Things to do after you say "I Do"

From invitations to venues and centerpieces to menus, a wedding brings a lot of details to pay attention to. But… insurance isn’t usually one of them.

After the big day (and the perfect honeymoon), make sure your insurance information is in order. Here’s how to get started:

  1. Consolidate your home and auto insurance. For a married couple, it usually makes the most sense to share insurance coverage. Having one policy prepared by one agent tends to make everything more convenient, and you could even be offered a lower rate or discount.
  2. Or, review your individual coverage. If you’re planning to keep your insurance policies separate, plan on reviewing them first. Make sure there’s no overlap in your policies. That way, you’re not paying for the same protection twice.
  3. Understand how much insurance you can afford. With two incomes, you may have more room in your budget for more (or better) insurance coverage. If you’re willing and able to make an increase, determine the amount and review the costs with your agent.
  4. Update your life insurance beneficiary. If you have life insurance before you’re married, whether it’s through your employer or an insurance company, you’ve usually named a parent or sibling as your beneficiary. After getting married, you’ll likely want to change that to your spouse.
  5. If you don’t have life insurance, consider it. If you were to pass away, would your spouse be able to face the future financially? Or vice versa? Life insurance makes it easier to do so. It lets you know your loved one will be protected from financial stress when it’s most important.
  6. Insure the wedding rings. All jewelry (up to a certain dollar value) should be added to your homeowners insurance—especially wedding rings. Save your receipts and the appraisal, and if you move after your wedding, make sure the insurance follows you.
  7. Change your name (if you’ve decided to). A new last name means a new Social Security card, driver’s license, passport and more. As a general rule of thumb, you should also update your name anywhere you’d update your address if you moved. Think employers, service providers, subscriptions, professional memberships, alumni associations and more. Additionally, to safeguard your identity throughout the name-changing process, our team of personal fraud specialists can help you navigate any name-change requirements and creditor notifications at no cost (provided you are a Frankenmuth Insurance policyholder).

To take the first step, feel free to reach out to a Frankenmuth Insurance agent in your area. Find one near you now.

Keep Your Teen Safe this Prom and Graduation Season!

According to the National Safety Council “Injury Facts 2016”, car crashes are the #1 killer of teens.

They have five easy tips for parents:

  • Buckle up on every trip, and make sure passengers are buckled, too
  • Keep household rules in place, even after school lets out. One third of parents surveyed said they allow risky behaviors during vacations, like driving late at night
  • Practice with teens, even after licensure, to ensure they are retaining good driving habits
  • Model good behaviors; 95% of parents who drive distracted do so in front of their teens according to an NSC survey
  • Set household cell phone rules.

Visit the National Safety Council for more information and tips on teen driving safety at www.nsc.org

Tips for Keeping Your Personal Information Secure Online

Keeping Your Personal Information Secure Online

Know who you share your information with. Store and dispose of your personal information securely.


Be Alert to Impersonators

Make sure you know who is getting your personal or financial information. Don’t give out personal information on the phone, through the mail or over the Internet unless you’ve initiated the contact or know who you’re dealing with. If a company that claims to have an account with you sends email asking for personal information, don’t click on links in the email. Instead, type the company name into your web browser, go to their site, and contact them through customer service. Or, call the customer service number listed on your account statement. Ask whether the company really sent a request.


Safely Dispose of Personal Information

Before you dispose of a computer, get rid of all the personal information it stores. Use a wipe utility program to overwrite the entire hard drive.

Before you dispose of a mobile device, check your owner’s manual, the service provider’s website, or the device manufacturer’s website for information on how to delete information permanently, and how to save or transfer information to a new device. Remove the memory or subscriber identity module (SIM) card from a mobile device. Remove the phone book, lists of calls made and received, voicemails, messages sent and received, organizer folders, web search history, and photos.


Encrypt Your Data

Keep your browser secure. To guard your online transactions, use encryption software that scrambles information you send over the internet. A “lock” icon on the status bar of your internet browser means your information will be safe when it’s transmitted. Look for the lock before you send personal or financial information online.


Keep Passwords Private

Use strong passwords with your laptop, credit, bank, and other accounts. Be creative: think of a special phrase and use the first letter of each word as your password. Substitute numbers for some words or letters. For example, “I want to see the Pacific Ocean” could become 1W2CtPo.


Don’t Overshare on Social Networking Sites

If you post too much information about yourself, an identity thief can find information about your life, use it to answer ‘challenge’ questions on your accounts, and get access to your money and personal information. Consider limiting access to your networking page to a small group of people. Never post your full name, Social Security number, address, phone number, or account numbers in publicly accessible sites.


You can find more information on keeping your personal information secure at https://www.consumer.ftc.gov


This post was shared from this document

Similar Vehicles May Have Different Insurance Premium Costs

There are several factors to consider when shopping for a vehicle and how much it will cost for insurance. These factors can result in a difference in premiums between similar makes and models.

Vehicle Design – damageability and occupant injury

Safety Technology – Do these features meet the expectations of the Insurance Institute for Highway Safety?

For more information on vehicle ratings visit the Insurance Institute for Highway Safety at http://www.iihs.org/iihs


This post was shared from this document.

Meyering Insurance supporting 4-H competitors

Meyering Insurance supporting 4-H competitors

For over 40 years Meyering Insurance has been supporting our customer's 4-H participants in many different ways. This year in conjunction with Pioneer Insurance, Meyering Insurance Agency was proud to support 15 youth at the Allegan and Ottawa County fairs participating in 4-H competitions. We commend these young participants for their hard work and dedication to their animals.

Renters Insurance for College Students

College students renting an off-campus apartment or house while away at school should consider purchasing renters insurance to protect their personal property, such as a computer, television, stereo, bicycle or furniture, in the event that it is damaged, destroyed or stolen.


Even if a student is a dependent under his or her parent's insurance, the student's personal property, in many cases, is not covered if the student lives off campus. Parents should check their policy or contact their insurance agent to see if renters insurance is right for their son or daughter who is away at school.



Consumer Alert: Renters Insurance for College Students


A Preferred Plus Partner with Frankenmuth Insurance

A Preferred Plus Partner with Frankenmuth Insurance

Frankenmuth, MI – At its recent Executive/Agency Round Table meeting, Frankenmuth Insurance recognized Meyering Insurance Agency, Inc. of Hamilton, MI as a “Preferred Plus” Partner for 2016.  
This prestigious distinction is awarded to the top 5% of all independent agencies representing the insurance company, and is reflective of the agency’s outstanding profitability, growth, and partnership.   
This marks the second consecutive year that Meyering Insurance Agency has been recognized as a Preferred Plus Partner.  
“The effort and professionalism of the management and staff at Meyering Insurance Agency reflects our own goal of exceeding the expectations of those we serve” says Frankenmuth Insurance President and COO Fred Edmond.  “It is indeed a privilege to honor the agency with our Preferred Plus designation.” 

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Frankenmuth Insurance has been providing peace of mind for families and businesses for nearly 150 years. Because insurance is both complicated and critical to people’s lives, we work exclusively with independent agents. With more than 600 employees, we are headquartered in Frankenmuth, Michigan, and offer insurance products in 14 states. Frankenmuth Insurance is financially sound, with more than $1 billion in assets and an A.M. Best rating of “A” (Excellent).  

Zeeland Office

241 S. State St.

Zeeland, MI 49464

Phone: 616-772-3600

Fax: 616-772-3601

Toll-Free: 888-206-1029

Hamilton Office

3494 Hubbard St. P.O. Box 155

Hamilton, MI 49419

Phone: 269-751-5105

Fax: 269-751-7076

Toll-Free: 888-639-3746

MAIA Membership

MAIA 4C Logo

Michigan West Coast COC


Business Hours

Both Hamilton and Zeeland Locations

Monday-Friday: 8:30am to 5pm

Saturday-Sunday: Closed