Homeowner Policy
Providing property damage and liability. Enhancements include dwelling & personal property replacement costs, increased liability, and availability of other coverage options. Premium credits for senior citizens, group members, and loss-free insureds.

Renters Policy
Renters insurance offers the same general personal property coverage and liability protection as a homeowners policy, and covers the cost of repairing or replacing personal property that has been damaged, destroyed, or stolen.

Dwelling Policy
Coverage for property damage to a dwelling owned, 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.

In-home Business Policy
Property, liability, loss of income & a variety of other coverage in a self-contained package attaching to your homeowners, mobile home, or farm policy, or as a stand alone business owners policy.

Farm Policy
Provides coverage for a farm, farm owners, and farm liability whether your farm is your livelihood, a hobby, or in between.

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.

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
Provides coverage for domestic employees, such as housekeepers, providers of child care, grounds keeper, gardeners, maintenance, chauffeurs, butlers.

"Providing protection
for all your assets."

Personal Automobile
A comprehensive Michigan insurance program offering  Personal Injury Protection, Property Protection, Residual Bodily Injury, Property Damage, Limited Property Damage, Uninsured Motorist Protection, Comprehensive, Collision, Additional Custom Parts/Equipment, Loan/Lease Payoff, Emergency Rental Reimbursement, and Emergency Towing & Labor. Several deductible levels are available for Comprehensive and Collision coverage. Discounts available for eligible divers.

Recreational Vehicle
and 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.

Motorcycle
Coverage available for most motorcycles including: cruisers, sport, touring, and dirt bikes; ATVs; and some custom motorcycles. Coverage is designed to give you maximum flexibility for driver’s age and driving record. Many options are available with discounts for safety courses, endorsements, and anti-theft devices.

All-Terrain Vehicle
and Snowmobile
Liability and property and physical damage coverage.

Boat and 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.

Personal Umbrella Liability
Provides excess liability coverage over other lines of insurance.