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Personal Insurance

Aug 21

Protecting Your Investments from Water Damage

By Personal Insurance
In the ever-changing property market, there's one sneaky threat that homeowners and business owners often overlook: water damage. While we might worry more about burglaries or fires, the stats tell a different story: properties are six times more likely to suffer from water damage than theft and seven times more than fire. At Kapnick Insurance, we get how serious this is, and we want to help you understand and tackle it head-on. (more…)
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Jul 24

The Dangers of Renting Out Your Home

By Personal Insurance
Renting out your home, or even a second home as a vacation rental, can seem like an attractive option for generating extra income, especially if you'll be away for an extended period. However, it's crucial to understand the risks and liabilities involved to protect yourself and your property. Below are some tips to help you navigate these potential pitfalls and ensure a smoother rental experience. (more…)
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Jun 04

Transforming Hospitality Management with Kapnick’s Wellness and Work Comp Solutions

By Personal Insurance
At Kapnick, we're not just about ticking boxes when it comes to risk management and worker's compensation — we're about revolutionizing the way hospitality businesses view and incorporate wellness into their everyday operations. It's our firm belief that a holistic approach to employee health and safety, one that combines rigorous risk management with proactive wellness programs, isn't just good policy — it's good business. (more…)
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May 22

Are your personal liability limits too low?

By Personal Insurance
When considering personal insurance, understanding and evaluating your personal liability limits is crucial for ensuring adequate protection in case of unexpected incidents. Setting your limits too high can result in unnecessarily high premiums, though typically, people set their limits too low in order to save money on their premiums over the short term. Unfortunately this can have disastrous consequences in the event of an incident. (more…)
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Apr 17

How to Deal with Rising Homeowners Insurance Rates

By Personal Insurance
Home insurance is a critical financial safety net, protecting one of your most valuable assets. But this essential service is becoming noticeably pricier. A recent report by Insurify indicated that Michigan is expected to experience the third-largest surge in homeowners insurance rates in the country in 2024 on a percentage basis, with an anticipated rise of 14%. There are numerous factors causing this uptick, but there are also ways to help you mitigate rising prices. Kapnick can help. (more…)
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Apr 11

Kapnick Insurance Announces Strategic Merger with Heidi Kussurelis Agency

By Kapnick News, Personal Insurance
Kapnick Insurance, a premier insurance provider renowned for its 75-year legacy of excellence, is proud to announce its strategic merger with the respected Heidi Kussurelis Agency (HKA). This unification marks a pivotal advancement in our mission to deliver top-tier personal insurance solutions and outstanding client service. "This acquisition represents a strategic step forward for both companies and aligns perfectly with our broader vision of delivering exceptional service and comprehensive solutions while remaining independent," states Jim Kapnick, Chief Executive Officer of Kapnick Insurance. Rooted deeply in community and shared values, both Kapnick Insurance and HKA reaffirm their allegiance to independent business…
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Feb 26

Protecting Your Investments Against the Sudden Threat of Water Damage

By Personal Insurance
In the ever-changing tides of the property market, one constant threat looms large for homeowners and business proprietors alike—a threat that remains largely underestimated: water damage. While the specter of burglary or fire may capture more headlines, the statistics reveal a startling reality: properties are six times more likely to suffer from water damage than from theft and seven times more than from fire. At Kapnick Insurance, we understand the severity of this issue and are committed to empowering our clients with knowledge and solutions to safeguard their investments. (more…)
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Nov 22

Winter Safety Tips for Homeowners in Michigan

By Personal Insurance
Winter in Michigan can be a picturesque wonderland, but it also brings challenges for homeowners. Ensuring the safety and integrity of your home during this harsh season is paramount. This blog post provides a detailed roadmap on winter safety measures that can help protect your home and loved ones.   Preparing Your Home for Winter Before winter's arrival, some preparatory steps are essential for the safety and efficiency of your home.   Inspect Your Home's Exterior for Damage Damage to your home's exterior can exacerbate when exposed to winter conditions. Therefore, a thorough inspection of the roof, siding and foundation…
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Sep 20

Personal Cyber Insurance: Your Shield in the Digital World

By Personal Insurance
In today's digital age, our lives are interwoven with technology. From smart devices and online transactions to social interactions and remote work, we rely heavily on digital platforms. While this brings convenience, it also introduces new risks. Cybercrimes such as fraud, identity theft, data breaches, and cyberbullying have become increasingly prevalent. At Kapnick, we understand these challenges and are committed to ensuring your peace of mind in the digital sphere, including offer home cyber insurance coverage option to our clients. These solutions are designed to provide comprehensive protection against a wide range of cyber threats. (more…)
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