DDI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

[email protected]​

My Blog


UBER Driving

Posted on December 29, 2016 at 7:45 AM Comments comments (228)
UBER Driving, am I covered?

The simple answer, NO!
Even if your insurance company has an endorsement for UBER driving allowance, there is no coverage while using your vehicle in a commercial manor.

Your personal auto policy excludes any commercial use of your vehicle.  Some examples of commercial use? including but not limited to;
Uber, LYFT
Pizza or Newspaper delivery
Car pool for hire, driving passengers for a fee, including school children, doctor visits. If no fee or consideration exists there may be coverage.
Snow plowing

Another important note, these exposures can void your coverage even if the accident happens when you are not performing them.

"I was driving to my regular job, or running to the store, when the claim happened, this is my own personal use".  True, but the fact that you have the commercial exposure, at any time, still violates the contract of a personal policy and can be the basis on which a claim is denied.

So, before considering the extra money you may make, check your policy and speak with your insurance agent, (if they do not give this same answer, speak with another agent, please) and find out the cost of changing your insurance policy to a commercial one.

Remember, nothing is a "good deal", if it doesn't work, and your insurance policy needs to "work" for you.

Tree Trimming

Posted on September 22, 2015 at 11:19 AM Comments comments (995)
Why do you need to keep trees trimmed and healthy?
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.

Yesterday, I had my long time customer,,   inspect and trim the trees on my property.  

I knew this was important to the upkeep and insurability of my home.  I asked the owner Tom for a list of reasons WHY I should keep trees trim and healthy.

He of course told me that my insurance company could non-renew or deny my coverage if trees were unruly, touching the roof, or unkempt.  (you might guess I knew that already!)

In addition, he stated that wind and storms, would cause the branches to wear down my roof and dent gutters, possibly causing my roof to need an early replacement or repair or the gutters to not work properly.

Next, he said if my trees hang over my roof and cause too much shade, the roof will not dry properly after rain and snow causing possible mold or water damage and moss growth on the roof.

Lastly, he reminded me, that tree limbs can break in wind, rain or snow storms, falling on my house or cars.  He can inspect trees for rot and week structure so they can be removed before you have a larger problem.

Good maintenance can and will help avoid many homeowner problems, but having the right insurance coverage for the unforeseen and unexpected loss is important too.

Call us or use the quote link on our website to review your home and auto coverage today.

And for a contractor with a good reputation, and excellent insurance (if I do say so myself) check out 


Quote form link now at DDI

Posted on April 21, 2015 at 8:51 PM Comments comments (392)
DDI now has a link to fill in your request for a quote,

Just go to the products page.

Thanks for visiting.

Business Insurance

Posted on June 5, 2014 at 10:02 AM Comments comments (84)
Why you should review your Insurance.
There are many good reasons to do a thorough insurancereview every year.
This is an ever changing marketplace, we move, expand,offer new products or services, hire employees.
Insurance coverages, your needs and company appetiteschange too. New endorsements and product offerings are happening all the time.
Do you have the most up-to-date, and comprehensivecoverage being offered?
Inflation, business expenses, Reconstruction costs aresome factors that affect the amount and type of coverage you need.
Employment practices liability, Data breach, Businessincome, Utility services, Equipment breakdown, Cyber Liability, Professionalliability, Co-insurance, have you reviewed these coverages? Are they reflectingyour current business exposure?
Do you carry Workmens Compensation? Have you reviewed whois covered?
A second set of eyes is always a good thing. Would youallow us to be the professional that offers that service to your business?


Posted on December 3, 2013 at 10:11 AM Comments comments (377)
Christmas is a great time to think about traditions, family, and those we love.
Many of us have Christmas collectibles, Family Heirlooms and the like that are priceless to us.
Have you thought about whether these are covered on your homeowners Insurance.
I remember a sweet lady to went to add to her precious moments Christmas ornaments and found out her personal collection was worth almost $100,000.  She just liked the ornaments.
These and many things in your home need extra coverages to adequately protect them.
Here are some examples of collection amounts and the price to insure them
                                                      Recent Accounts:
Type                              Amount of Insurance                    Premium
Fine Art                         $631,983                                     $1,748
Sports Memorabilia         $425,000                                     $1,322
Art (prints, lithographs)    $282,000                                     $1,112
 (movies/music)               $250,000                                    $1,038
Trains                             $168,6000                                     $481
Sports- Cards, uniforms     $150,000                                     $658
Antique Furniture               $137,000                                     $549
Advertising Memorabilia       $34,000                                     $193
Weapons (gun, ammo)         $25,000                                     $165
 Our policy covers - Burglary & Theft, Fire, Flood*,(*not available in all areas)
 Natural Disaster, Breakage, Shipping & Transit
I want to see those trains!!! 
So as we add to these collections, show them off, bring them out of storage or just admire them, check with me, or your agent and see if you are insured.

Identity theft

Posted on September 18, 2013 at 11:10 AM Comments comments (45)
Someone Stole........ME??????
Identity theft, credit card theft, What's yours is mine...  And Now Facebook theft? Crazy.
I heard people were stealing your image on facebook and creating thier own page and asking your friends to friend them, but until it just happened to a friend of mine, I thought it was just another urbun legend scare.
I also never thought identity theft ,credit card theft etc would happen to me. Well it has and not just once either.
My credits cards have been used at least three times, twice the credit card company caught it and once I had to catch it on my own.
My checking account was also stolen, the bank teller was alert and I am grateful for that. I had to cancel everything and start new accounts but my money was secure.
I also had IDENTITY FRAUD PROTECTION on my homeowners policy.
Did you know this was available?
It is and it is also not expensive.
You can also purchase this coverage on the open market but not as inexpensively or as easily as you can from your homeowners agent.
Give me a call, I would be happy to help protect you as comprehensively as possible.
Keep safe!

School Dropoff

Posted on September 9, 2013 at 10:09 AM Comments comments (64)
School Dropoff ?  You may not be covered!
Taking my grandson to school this morning I saw a van pull up with a logo that said they were a school shuttle service.
Nice service for busy or working parents.
With charter schools and school of choice programs, I am sure this is a growing market.
The Insurance Agent in me, thought nice, I wonder if they are insured properly?
What do I mean? Well many times I find that you either did not tell your agent, the many uses of your vehicles or maybe they didn't ask on know how to advise you.
There are many ways a vehicle can be considered Commercial Use, and carpooling, school drop off (besides your own children) are among them.
If there is any compensation, even $5 for gas,  for taking other peoples children to school, or delivering passengers in any way, (referred to in Insurance as Public Livery), your vehcile liability policy can be void and a claim denied.
Not just the damage to your vehicle, which can be replaced, you could be personally liabile for those children and thier injuries.
You got the kids to school and then stopped at the grocery store, a fender bender in the parking lot and Mrs. Smith in the other car has whiplash. That claim can be denied. Your claims adjuster will ask you how you use your vehicle, and when there is any Commercial use, they may decide you were insured improperly.
Even something as simple as newspaper delivery, part time, can jeopardize your personal auto policy coverages.
Make sure you talk to your agent, don't settle for a quick auto quote that only promises to save you money.
You aren't saving money by buying the wrong policy.

Does Your Back Hurt?

Posted on September 5, 2013 at 5:30 PM Comments comments (83)
Does Your Back Hurt?
You were involved in a "fender bender" today and you are feeling uncomfortable. Your back hurts a bit and you have a headache.
It will go away Right?
I certainly hope that it's just the stress of the accident and you will be fine in the morning. In the meantime, some things you should do;
            1. Include your suspected injury on the police report.
                        no time to be tough, this can get serious
            2.Report your injury to your Insurance Company
                        even if you do not plan to make a claim for you car, you should                                  report any claim where someone has might, or even just might be                          injured protect yourself.
            3.See a doctor .  Don't wait till it gets worse.
There are many benefits in your Michigan Insurance Policy, so cost of care should not be a concern. You might want to review your policy for a PIP (personal injury protection) deductible so you can be ready if you have taken on any of the financial responsibility. (Not to worry the highest offered is $500).
And, always if you have any questions, talk to your agent right away.

A Homeowners Quote in the Mail

Posted on September 5, 2013 at 8:21 AM Comments comments (34)
A Quote in the Mail
Many of us (I did!) have received homeowners quotes in the mail that look "to good to be true".
If that quote is based on the Market Value or Purchase Price of your home, the better expression would be "Buyer Beware".
Why do you need to purchase Replacement Cost or Reconstruction Cost on your dwelling?
Let's take a look and see.
Rebuilding Is Different Than Buying
The cost to buy a home is different than the cost to rebuild. So you can’t rely on your home’s market value to set your insurance limits. An appropriate amount of insurance coverage will permit you to rebuild your home in the event of a loss. That replacement value depends on the physical characteristics of your home, as well as the price of labor and materials in your area.
It also includes the cost to remove the damage property or the repair the damaged portion to it's original state when you have a partial loss. Demolition, debris removal, code compliance and other fees also add to reconstruction expense.
Time is also a factor in reconstruction as you would like to get back into your home as soon as possible.
This is substantially higher than new construction, and since market values change with the economy, the are you live in, school choices and many other factors, this amount will not be accurate.
I'm just concerned with paying off my mortgage.
A policy based on your mortgage only works for a total loss, and sometimes not even then.
You see if you policy is a "market value", and "actual cash value" or a "repair cost policy", a partial loss will be depreciated and only a portion will be paid.
My policy Reads Replacement Cost
There is a co-insurance clause in your policy, generally 80%. This means that you (the insured) have agreed that the amount your insuring for is at least, 80%, of the cost to rebuild.
If this is not true at the time of a claim, a co-insurance penalty is applied to the loss. This penalty acts like a deductible in the fact that YOU are responsible for that portion.
So there are many things to consider when you and your agent determine the amount of insurance you need for your home. For many of us, this is our largest investment, and our family home, we want to protect it properly.
Make sure your conversations with your agent are informative,
and don't fall for the "quote in the mail" .

Why do I need Replacement Cost on Contents?

Posted on September 4, 2013 at 5:12 PM Comments comments (32)
Actual Cash Value
Actual cash value is the replacement cost of repairing or replacing an item, minus depreciation and/or wear and tear.
Let's say your refrigerator is 7 years old .The average life expectancy is 14 years old,(source
So your refrigerator has depreciated at least 50% (often more).
If you had a claim on that appliance it could go like this;
Side by side refrigerator with ice maker   cost new                   $ 1,500.00
Less Depreciation                                                                  - $750.00
Less Deductible                                                                   - $1000.00
Equals                                                                                   no claim
Replacement Cost
Replacement cost is the amount of money it would cost to replace a damaged item with a new one at the time of the claim.
Side by side refrigerator with ice maker  cost new                       $1,500.00
Less Deductible                                                                      - $1,000.00
Claim Payment                                                                         $ 500
Of course should you have a kitchen fire,(and I hope you do not), more items would be damaged, including damage to your home. 
Which brings up a good point, what about Replacement Cost on my home?......
Stay tuned and find out.