It is a new law that changed Michigan's No-Fault Insurance system. Please visit our Michigan Auto Reform page to see an overview of changes and FAQs. To save money, consider bundling your auto with home owner insurance. We'd be happy to help.

As an independent agency, we can work with multiple insurance companies and offer you a variety of options for auto and home insurance that Northern MI trusts. A captive insurance agency is contracted to work for one insurance company and can only sell for them.

Replacement cost is the amount it would take to rebuild your home while market value is the amount you would get for your home on the real estate market. This is typically outlined in your policy for home owner insurance in Northern MI.

We provide auto, personal umbrella, life, and home owner insurance in Northern MI with offices in Bellaire and Elk Rapids.

We provide business insurance in Northern, MI, as well as commercial auto, craft beverage/liquor liability, environmental, and farm insurance. According to the New York Times, 75% of U.S. businesses are underinsured, and 40% of small business owners have no insurance at all. We strive to offer proper protection for all of our clients.

A personal umbrella policy will protect you against covered losses that exceed these underlying limits. In some cases, an umbrella policy provides protection for situations that may not be covered by the underlying policy. Most umbrella policies will have coverage built-in for claims arising from slander, damage to someone else’s property in your care, foreign country liability that can include auto accidents. It is common for clients to purchase an umbrella policy in addition to their auto and home owner insurance in Northern MI.