Insurance, explained clearly.
Guides, answers and checklists to help you choose coverage, prepare for the unexpected and get the most from membership.
How much auto insurance do I actually need?
State minimums are just the start. Here's how to choose limits that protect your savings.
Deductibles, explained in plain language
How your deductible affects your premium — and how to pick one you can afford.
Build a home inventory in one afternoon
A simple room-by-room approach that makes any claim faster.
Term vs. whole life: which fits you?
Compare cost, duration and cash value to find the right policy.
What a business owner's policy covers
Property, liability and business income — bundled for small businesses.
What to do in the first hour after an accident
Stay safe, document the scene and start your claim the right way.
COSPARK tokens 101: DT, IT and VT
How Dues, Insurance and Vacation Tokens are earned, tracked and redeemed.
Set up autopay for dues and premiums
Keep membership and insurance payments separate — and on time.
Storm season checklist for Michigan homes
Gutters, sump pumps, trees and the photos to take before it hits.
Does homeowners insurance cover floods?
Usually not. Learn where flood coverage fits in your plan.
Real story: a hailstorm, two cars and one easy claim
How a Rochester family got back on the road in nine days.
Do I need workers' comp with one employee?
State rules vary. Here's how to check yours.
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Common terms.
Plain-language definitions for the words you'll see on your policy and in your member account.
Premium
The amount you pay for an insurance policy, usually monthly or annually.
Deductible
What you pay out of pocket on a claim before your insurance pays.
Declarations page
The summary page of your policy showing coverages, limits and premium.
Liability
Coverage for injuries or damage you're responsible for causing to others.
Dues Tokens (DT)
Tokens credited monthly after a successful Associate or Premium membership payment.
Insurance Tokens (IT)
Tokens earned on eligible annual insurance premium — 5% for Associate, 7% for Premium.
Vacation Tokens (VT)
Tokens members purchase at $1 face value each for eligible vacation use.