Auto Insurance
We offer a variety of protection options at competitive prices for your vehicles.
- Bodily Injury Liability and Property Damage Liability
- Protection for damages such as injury or property damage to others, including legal defense if you are sued.
- Collision & Comprehensive
- Coverage for the repair of your vehicle, often referred to as “full coverage”. Collison covers the cost of repairing or replacing your vehicle when you’re involved in an accident. Comprehensive pays for damage such as fire, vandalism, weather, theft, accident with an animal.
- Personal Injury Protection (PIP)
- Provides coverage for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured.
- Uninsured/Underinsured Motorist
- This coverage pays you or your family in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.
- Road Trouble Service
- Provides assistance if you’re stranded on the road due to a flat tire, mechanical malfunction, or if you lock your keys in your car.
- Additional Expense
- This coverage helps pay for a rental car while your vehicle is being repaired after an accident.
- Auto Reform
- Michigan auto reform went into effect July 2, 2020. You now have more choices when it comes to your coverage selections for your personal injury protection (PIP). Michigan’s new insurance laws allow you to select your insurance coverages according to your needs. Learn more here.
Homeowners Insurance
There is no place like home. We want to help you feel secure that your home is protected with the right coverage. Our team will guide you through the coverage options to best fit your needs.
There are some basic parts to every policy:
• Dwelling & Personal Property
Provides coverage for destruction and damage to your home and personal belongings.
• Personal Liability
Protection if you’re liable for someone else’s injuries or property damage.
• Other Structures
Covers structures on your property that are not attached to your home, such as a detached garage, shed or pole barn.
• Additional Living Expenses
Pays for expenses if you are unable to stay in your home after a covered loss.
Your home insurance policy includes optional coverages. Our agents can help you decide on the coverage that is right for you. Here are some optional coverage examples:
Jewelry, fine arts & collectible floater
Lake side living
Seasonal Home
Water Back-Up
Service line coverage
Equipment breakdown
Identity theft
Home cyber protection
Recreational Vehicles
No matter where your travels take you, we provide the coverage you need for all your adventures. Liability and physical damage coverage are available for:
Personal Umbrella
Your home and auto policies provide liability protection from unexpected events. If you’re faced with a lawsuit that exceeds the limits of your policy, a personal umbrella policy will provide additional coverage if you are liable for bodily injury, personal injury, or property damage.
Life Insurance
Life insurance is one of the best tools for ensuring your loved one’s futures are financially secure in the event of tragedy. There are different policy options depending on your needs. Our agents are here to assist you in determining the best policy type for you and your family.
Life products include:
• Term Life – coverage for a specific amount of time.
• Universal Life – flexible coverage that can be adjusted to meet your needs.
• Whole Life – permanent policy for you long term needs.
• Annuities – investment options to grow and protect your money for the future.
• Disability Income –income protection if you become disabled.