Skip to content Accessibility info

Rathbun Insurance Blog

All You Ever Wanted to Know About Insurance

How To Read and Understand Your Auto Policy

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...

Read More


4 Water Damage Situations Standard Home Insurance Policies Won’t Cover

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...

Read More


What Is Negligence?

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...

Read More


Rathbun Insurance Featured on 1320 WILS Morning Show

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,...

Read More


Kick-Start Your Career in Insurance: 2025 Summer Internship Opportunity at Rathbun Insurance!

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...

Read More


Insurance Premiums Are Rising — Here's What You Need To Know

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...

Read More


March Quotes for a Cause: Supporting The Stewards of Nature At-Risk Youth Program

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...

Read More


You Can Buy Down Your Wind and Hail Deductible

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...

Read More


Exploring History, Culture, and Community: Rathbun Insurance Visits the Nokomis Cultural Heritage Center

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...

Read More


Supporting STEAM and Community: Rathbun Insurance at Waverly Robotics’ A Night Out

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...

Read More


Buying a Local Business: What Are Your Insurance Issues?

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...

Read More


National Fix a Leak Week: Finding Common Household Water Leaks

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...

Read More


Celebrating David’s Legacy and Welcoming Laura as Our New Owner

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...

Read More


Join Our Team: Rathbun Insurance is Hiring a Commercial Lines Producer!

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...

Read More


Rathbun Insurance Attends the 9th Annual Professional Development Dinner with the Native American Hispanic Business Student Organization

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...

Read More


Rathbun Insurance COO, Laura Stoken Joins Capital Area Michigan Works! Workforce Development Board

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...

Read More


Waivers vs. Insurance: Understanding the Differences and Why Both Matter

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...

Read More


HOA and COA Members: What Are Reserves and Why Do They Matter?

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...

Read More


Rathbun Insurance Proudly Supports the 40th Annual MLK Day of Celebration

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...

Read More


Continuing Our Commitment to the Lansing Community at Allen Neighborhood Center

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...

Read More


HOA and COA Members: What Are Reserves and Why Do They Matter?

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...

Read More


9 Snowblower Safety Tips for Homeowners

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...

Read More


We Did It Again: Another Successful Partnership with Wilson Talent Center and Sweet Encounter Bakery!

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...

Read More


What Does an Insurance Claims Adjuster Do?

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....

Read More


Fostering Connection and Growth: Rathbun Insurance Embraces DiSC Profiles

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...

Read More


What Does Fire Insurance Cover?

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...

Read More