Author: caro

Colt’s Commentary – November 2023

Posted on by caro

Hey there,

Did you know that the first beneficiary was signed up for Medicare in 1965? Yes!  It was President Harry Truman!

With Medicare AEP going on right now, I thought this would be the perfect time to talk about Medicare.

  • What is Medicare?
    • Medicare is Federal Health Insurance.
  • Who Qualifies for Medicare?
    • People 65 or older, some younger people with disabilities, and people with End-Stage Renal Disease.
  • What is the difference between Medicare & Medicaid?
    • Basically, Medicare is Federal Health Insurance and Medicaid is a joint Federal and State Program that gives health coverage to some people with limited income and resources.

We hope this helps, and if you have any questions feel free to give us a call!

  • Colt 

https://www.ssa.gov/history/lbjsm.html#:~:text=At%20the%20bill%2Dsigning%20ceremony,with%20the%20first%20Medicare%20card. 

https://www.medicare.gov/ 

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com 

Copper’s Corner – November 2023

Posted on by caro

Hello,

Guess who’s backkkkk? Miss me?

My brothers and I were on a little vacation for the last couple of months, but don’t worry, we are back and will continue to spread our inspirational quotes, knowledge, and jokes each month!

I thought this was the perfect quote to express how you all must have felt while I was gone. 

~Copper

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com 

Colt’s Commentary – July 2023

Posted on by caro

Hey there! Colt here,

Not only is July National Hot Dog Month, but today is National Hot Dog Day, so I am here to share some fun facts about Hot Dogs!

 

  • Americans consume over 20 billion hot dogs per year! That’s a lot of hot dogs!
    • About 150 million of those hot dogs are eaten every Fourth of July. 
    • The average American eats 70 hot dogs in a year!
  • The coney dog, a Michigan favorite, has been around since as early as 1914. 
    • 2 of the many Coney Island restaurants in Michigan include Detroit restaurants, American Coney Island & Lafayette Coney Island which were originally opened by 2 brothers.
    • Many people throughout the years have enjoyed trying both restaurants to determine which had the better coney dog. 
  • The hot dog was originally called the “Dachshund Sausage” due to its uncanny resemblance to the beloved dog breed. 

I’ll bet you never thought you needed to know this much about hot dogs, but now you can wow your friends with all your new hot dog knowledge! 

-Colt 

https://nationaltoday.com/national-hot-dog-day/

https://detroithistorical.org/learn/encyclopedia-of-detroit/coney-dog 

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com 

 

 

Colt’s Commentary – June 2023

Posted on by caro

Hey there,

Did you know that in 2022 there were over 1 Million vehicles reported stolen in the USA?! That’s a lot! 

 

One thing not accounted for in that statistic is the number of trailers stolen. Trailers are not counted as motor vehicles because they are attached to another vehicle in order to be transported, but those can get stolen or damaged as well. 

Theft of your trailer can be covered, but only if you let your insurance agent know that you have one. People often forget to list their trailers on their policies, which can lead to issues if the trailer is stolen and there is no coverage for it.

I’m here to answer some questions we’ve gotten about trailers.

  • Do I need to insure my boat trailer?
    • No state requires you to carry insurance for your boat trailer.
    • If your boat trailer is stolen while stored at your home, your homeowners insurance might cover it as personal property
  • What if I have a utility trailer? Do I need to insure that?
    • Again, no state requires you to carry insurance for a trailer.  The towing vehicle’s liability coverage may extend to the trailer.
    • If the utility trailer is stolen or damaged, there most likely would not be any coverage for that, unless it was listed on a policy.  However, if the theft or damage occurs while the trailer is stored at your home, your homeowners insurance policy may cover it.
  • What about my camper?
  • Same

Many people do not insure their trailers because it is not mandatory. It is always best to let your insurance agent know that you have a trailer, and find out what type of policy would cover it for damage and theft.  If your agent doesn’t know you have a trailer, it most likely would not be covered if something happened.

-Colt 

https://www.iii.org/fact-statistic/facts-statistics-auto-theft 

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com 

Copper’s Corner – June 2023

Posted on by caro

Hello,


Isn’t that the truth?! 

With Summer just around the corner it’s easy to focus on the big trips and beach days, but it’s great to take some time to really enjoy the little things like taking a nice bike ride on a sunny day (I would if I could reach the pedals). 

Get out there and make a big deal about the little moments!


~Copper

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 – Inquiry@themcgovernagency.com