At Rathbun Insurance, we believe in more than just protecting what matters - we believe in being there when it matters most. That’s why we’re proud to support Allen Neighborhood Center’s Neighbors in Need Fund, which...

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It’s Mentorship Day at J.W. Sexton High School, and Rathbun Insurance was proud to show up and share the power of possibility with the next generation. Our CEO, Ben Rathbun, and Commercial Account Manager, Emily Harte-...

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In today’s remote-first world, it’s not uncommon to have a rockstar employee living and working halfway across the globe. But if you’ve got a U.S. employee working abroad - even if they’re doing the same job they’ve...

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In Michigan, it’s common for people to remove coverage from vehicles they aren’t using-especially in the winter. They’ll keep only comprehensive coverage (to protect against things like theft, vandalism, and weather...

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Most people assume their homeowners insurance has them covered for liability. If someone slips on the driveway, breaks a bone, and sues? That’s typically included under standard liability coverage. But what if you’re...

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Picture this: a storm rolls through, damages part of your siding or roofing, and your homeowners insurance steps in to help cover the repairs. Great, right? But there’s a catch-what if the original materials aren’t made...

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From tax prep and tutoring to candle making and piano lessons, more and more people are running small businesses right out of their homes. But here's a question you might not have considered: what happens if something...

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You know the sinking feeling that comes after a fender bender-right after you say, “I’m okay,” your next thought is usually, “Ugh, that deductible...” But what if that deductible was actually less than you expected? If...

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Let’s face it-accidents happen. Whether you spaced out at a red light or got a little too confident during a Michigan snowstorm, even careful drivers can have a slip-up behind the wheel. The good news? If you’re insured...

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One of the significant changes brought by Michigan's no-fault reform is the option for drivers to select different medical benefit levels under their Personal Injury Protection (PIP) coverage. These choices can have...

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At Rathbun Insurance, we firmly believe that if you are not investing in our youth, you are missing out on the future of innovation, inspiration, and leadership. That’s why we were so honored to attend the National...

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Should you have an umbrella policy? Yes. Now, more than ever, having an umbrella policy is critically important. But what is an umbrella policy? A personal umbrella policy is an additional liability policy that provides...

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Today, Rathbun Insurance CEO Ben Rathbun and President Laura Stoken had the honor of attending the Legacy of Cesar Chavez Luncheon, held from 11:30 a.m. to 1:30 p.m. The event was a powerful gathering of community...

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At Rathbun Insurance, Being There Matters Most - and this past week, our CEO Ben Rathbun showed exactly what that means by stepping up to support Lansing’s entrepreneurial spirit. Ben was honored to serve as a judge for...

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Last week, our CEO Ben Rathbun and Producer Darren Bardell hit the road to Indianapolis for the 36th Annual The Rough Notes Company Agency of the Year Banquet - and what an inspiring trip it was! Back in September 2023,...

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At Rathbun Insurance, our mission of Being There Matters Most extends beyond protecting what matters-we believe in uplifting the people and organizations that shape our communities for the better. That’s why we are...

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We are thrilled to share a significant milestone in Rathbun Insurance history: effective April 1, 2025, Laura Stoken will become President and Partner of Rathbun Insurance. Laura joined our agency in 2023 as Chief...

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We gathered as a team to celebrate the retirement of our President, David Finkbeiner, and to honor the incredible mark he’s left on Rathbun Insurance. David joined the agency in 2012 as a personal and commercial lines...

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At Rathbun Insurance, we are beyond pumped to share some truly exciting news-this Spring Break, we’re partnering with Muralmatics and Ready Set ASPIRE to bring a student-created mural to life inside our newly renovated...

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Rathbun Insurance was proud to be represented by our Chief Operating Officer, Laura Stoken, at this year’s Michigan Rosie the Riveter Day celebration, held at the Capital Region International Airport in Lansing. The...

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At Rathbun Insurance, we believe in the power of leadership, education, and community engagement. That’s why our CEO, Ben Rathbun, traveled to Chicago yesterday to participate in the 2025 NAAIA Midwest Regional Forum-a...

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At Rathbun Insurance, we believe in supporting conversations that uplift and educate our community. That’s why our CEO, Ben Rathbun, and COO, Laura Stoken, were honored to attend The (M) Factor screening-an event that...

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If you own a condo or live in a community with a homeowners association (HOA), you probably know that the association carries its own insurance policy. But did you know that if the HOA suffers a major loss, you could be...

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Your home is a reflection of your style, comfort, and hard work. But what happens when a covered loss damages part of your space-leaving you with mismatched flooring, cabinets, or countertops? Most standard homeowners...

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Most homeowners don’t think about the underground pipes and wires running from their house to the street-until something goes wrong. Water, sewer, gas, electrical, and internet lines are all critical to your home, but ...

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Your home is filled with essential systems and appliances-HVAC, water heaters, refrigerators, security systems, and more. But what happens when they suddenly fail due to mechanical or electrical breakdown? Most people...

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Flooding isn’t just a coastal problem. Inland floods caused by heavy rain, snowmelt, or overflowing streams are on the rise, even in low-to-moderate risk areas. Unfortunately, standard homeowners, renters, and condo...

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Most people focus on protecting their belongings when they buy home, renters, or condo insurance. But what about protecting your finances if you’re sued? Liability coverage is one of the most important parts of your...

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When was the last time you thought about the value of everything you own? If a fire, theft, or water damage destroyed your personal belongings, would your renters or condo insurance cover the full cost to replace them?...

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In today’s connected world, cyber threats aren’t just a business problem-they’re a household problem. From smart home devices and online banking to email and social media, your personal data is more vulnerable than ever....

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If a fire, storm, or burglary damages your belongings, would your insurance cover the full cost to replace them? Many policyholders are surprised to learn that without Personal Property Replacement Cost Coverage, their...

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Imagine this: You’re involved in an accident, and your car needs repairs. How will you get to work, pick up your kids, or run daily errands while your vehicle is in the shop? If you don’t have rental car coverage on...

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In today’s digital world, identity theft is a growing concern. Criminals can steal personal information to access bank accounts, open fraudulent credit cards, or even take out loans in your name. Unfortunately,...

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Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly...

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Are you a passionate and results-driven professional with a commitment to delivering exceptional service? Do you thrive in a team-oriented environment that values integrity, success, and community? Join Rathbun...

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In the insurance world, policies and coverages may define our work, but it’s the people who define our purpose. At Rathbun Insurance, our guiding principle has always been "Being There Matters Most." Few embodied that...

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We are thrilled to announce that Marcy Rzepka is joining Rathbun Insurance as our newest Personal and Commercial Insurance Producer! Marcy brings with her a wealth of experience, having spent over 30 years in sales and...

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Egg prices have skyrocketed, and with them, an increased interest in backyard chickens. But before you acquire a flock, consider your liability risks and insurance coverage. Liability - Keeping chickens can create...

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Why Are My Subcontractors Included in My Workers' Compensation Payroll? If you're a contractor in Michigan, you've probably faced an unexpected surprise when your workers' compensation (WC) audit includes payroll for...

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A threatening notification from the IRS can be overwhelming. That’s why it’s a staple in the scammer’s toolkit. They want you to be scared and not take time to think. Common IRS tax scams - These often start with a call...

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As we close out February’s Insurance Careers Month, we’re proud to celebrate our continued commitment to empowering the next generation of professionals. Today, Producer Heather Cooper-Kim and Account Manager Kim Evans...

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This past weekend, Rathbun Insurance proudly showed up in support of Haven House’s Annual Pancake Palooza! As a Special Ingredient Sponsor, we were thrilled to help make this fun-filled event a success. Our President,...

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While the federal government and firefighting associations don’t collect data on the number of electric vehicle (EV) fires, there’s one thing all industry specialists seem to agree on: When an EV catches fire, it’s much...

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If understanding your auto insurance policy is challenging, you’re not alone. Insurance is a contract, so it has a lot of legal language. But don’t let that scare you. Once you know where to find the information, you...

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No one wants to come home to an overflowing toilet, a backed-up sewer line or a leaking ceiling. Water damage can cause homeowners as much money and anxiety as a fire, an earthquake or a hurricane. The Insurance...

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According to Cornell Law School, negligence is “a failure to behave with the level of care that someone of ordinary prudence would have exercised under the same circumstances.” This applies to professional services and...

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We’re excited to share that our very own Laura Stoken, COO of Rathbun Insurance, had the incredible opportunity to be a guest on 1320 WILS here in Lansing! Laura joined morning show host Mike Austin on Wednesday,...

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Are you a dynamic, ambitious individual ready to dive into the world of insurance? Rathbun Insurance is excited to announce an exclusive opportunity for a 2025 Summer Intern! This is your chance to gain hands-on...

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Sticker shock and revolving risk are the new normal. Extreme weather, cyberattacks, supply chain interruptions, worker shortages, wars and inflation keep hammering the insurance market. It’s like the classic “I Love...

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At Rathbun Insurance, our mission goes beyond safeguarding homes and businesses-we are deeply committed to the well-being of our community. One of the ways we live out this commitment is through our Quotes for a Cause...

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Rising property insurance premiums in wind- and hail-prone areas have increased interest in wind deductible buyback (WDBB) insurance. Available as a stand-alone policy that complements primary property insurance, WDBB...

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At Rathbun Insurance, we believe that being there matters most-not just in insurance but in understanding and connecting with the community we serve. This belief recently took us to The Nokomis Cultural Heritage Center...

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At Rathbun Insurance, we believe that Being There Matters Most-not just for our clients but for the community we call home. That’s why CEO Ben Rathbun and COO Laura Stoken were honored to attend A Night Out, a special...

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Are you looking to buy another company? Folding its property, customers and employees into your organization is no small feat. Even if you plan to keep it as a subsidiary, you need to do full due diligence on the...

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According to the U.S. Environmental Protection Agency (EPA), 10% of homes have leaks that waste 90 gallons or more per day. Nationwide, that amounts to nearly 1 trillion gallons of water wasted every year. The EPA’s...

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At Rathbun Insurance, our legacy is built on strong leadership and a commitment to our community. Today, we celebrate a monumental transition in our agency’s history-honoring David’s remarkable career and contributions...

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Are you a driven, relationship-focused professional looking for an opportunity to grow your career in commercial insurance? Rathbun Insurance is excited to announce that we are hiring a Commercial Lines Producer to join...

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At Rathbun Insurance, we believe in the power of education, mentorship, and community engagement. Last night, we had the distinct honor of attending the Native American Hispanic Business Students’ (NAHBS) 9th Annual...

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At Rathbun Insurance, we are thrilled to announce that our COO, Laura Stoken, has recently joined the Workforce Development Board of Capital Area Michigan Works! (CAMW). This opportunity aligns seamlessly with Laura’s...

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When planning an event or activity, it’s common to wonder why you might need an insurance policy if participants have already signed liability waivers. After all, isn’t a waiver enough to protect you? While waivers are...

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When homebuying, you’ll create a budget based on price, taxes and insurance. You’ll balance your budget against other expectations like home size, location and condition. You might find a home that’s part of a...

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Rathbun Insurance takes pride in supporting events and initiatives that unite our community and uphold values of equality, justice, and hope. This year, we were honored to contribute to the 40th Annual Dr. Martin Luther...

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At Rathbun Insurance, we believe that “Being There Matters Most” isn’t just a tagline-it’s a promise to be present for the communities we serve. That’s why we’re excited to announce that we are continuing our office...

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When homebuying, you’ll create a budget based on price, taxes and insurance. You’ll balance your budget against other expectations like home size, location and condition. You might find a home that’s part of a...

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When winter dumps inches or even feet of snow in your neighborhood, a snowblower can be a handy tool. While a snowblower can quickly clear your driveway and sidewalks, it can be dangerous if used improperly. Snowblowers...

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At Rathbun Insurance, we are sooo proud to have done it again! Another year, another incredible real-life business experience for the talented students at Wilson Talent Center. This year, we partnered with our amazing...

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A claims adjuster determines how much your insurance company should pay you after you file a claim. A property and casualty adjuster investigates auto, business and home claims. They're also called an insurance adjuster....

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At Rathbun Insurance, we believe in building a workplace where every team member feels valued, understood, and empowered to be their best selves. As part of our dedication to building a workplace where team members can...

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Home insurance policies cover several catastrophic risks, including fires and lightning. Most even cover wildfires. Yet you might wonder what to expect from your insurance company if your house is severely damaged, and...

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