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Business & Institutional Coverage
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PERSONAL LINES - Property & Possessions | |||||
| Provides you with coverage for your assets. | |||||||
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Homeowner Policy A package policy providing coverage for property damage as well as liability coverage. We offer coverage enhancements such as personal property replacement cost, increased liability, discounts to senior citizens and group members. |
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Farm Policy Provides coverage for a farm, farm owners, and farm liability whether your farm is your livelihood, a hobby, or in between. In-home Business Policy Coverage provides property, liability, loss of income and a wide variety of other coverage in a self-contained package that attaches to your homeowners, mobile home, or farm policy, or as a stand alone business owners policy. |
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Country Estate Policy Provides coverage for people who have farm personal property and farm buildings that do not fall under homeowners or mobile home coverage. Dwelling Policy Coverage is available for property damage to the dwelling owned by a person but not occupied by the owner. Several enhancements are available which offer protection for your property, loss of rents, and liability. Mobile Home Policy Provides coverage for property damage and liability. Many coverage enhancements are available to meet your needs. Renters Policy Renters insurance offers the same general personal property coverage and liability protection as a homeowners policy. The property insurance covers the cost of repairing or replacing personal property that has been damaged, destroyed, or stolen. Property is covered both within your home and when you are traveling. Flood Insurance Homeowners policies do not cover flood damage. Recent federal laws mandate that all mortgaged properties in a Special Flood Hazard Area (SFHA) must have flood insurance. Flood zones are determined by FEMA. Flood insurance only covers the value of the structure. Contents coverage can be purchased along with your building coverage. Workers' Compensation Insurance Provides coverage for domestic employees, such as housekeepers, providers of child care, grounds keeper, gardeners, maintenance, chauffeurs, butlers. |
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Personal Automobile We offer a comprehensive Michigan Automobile insurance program. |
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| The program offers coverage for Personal Injury Protection, Property Protection, Residual Bodily Injury, Property Damage, Limited Property Damage, Uninsured Motorist Protection, Comprehensive, Collision, Additional Custom Parts or Equipment, Loan/Lease Payoff, Emergency Rental Reimbursement, and Emergency Towing & Labor. |  |
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| Several deductible levels are available for Comprehensive and Collision coverage. Discounts available for eligible divers. Twenty-four hour immediate response claim service, and sign and drive roadside assistance is free. | |||||||
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Recreational Vehicle & Travel Trailer Coverage specifically designed to meet your needs. Available coverage include: Full Timer's Coverage, Diminishing Deductibles, Total Loss Replacement, and Scheduled Medical Benefits Several discounts are available including Safety Course, Anti-Theft, and Multi Policy. Twenty-four hour immediate response claim service and sign and drive roadside assistance is free. Motorcycle Coverage for street & dirt bikes and is designed to give you maximum flexibility for drivers age and driving record. The program includes regular motorcycles, cruiser, high performance, and Harley Davidson/Buell. Many options are available with discounts for safety course, anti-theft device, and association discount. All-terrain vehicles and snowmobile coverage for liability, property damage, and physical damage. |
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Boat & Personal Water Craft A comprehensive program to meet your needs for pleasure boats and personal watercraft. Coverage provides protection against injury to others, damage to property of others, bodily harm to yourself or passengers, injury to a water-skier, collision of any type, fire, theft, and numerous other perils. Discounts are available for deductibles, safety courses, navigation aids, senior discount, and more. |
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Personal Umbrella Liability Provides excess liability coverage over other lines of insurance. |
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