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Personal

Life and Health

Life Insurance

Categories of life insurance include: Term Life, Whole Life, Endowment, and Special Use Policies such as Universal Life, Variable Life, Variable Universal Life, Guarantees, and renewable and non-cancelable income protection from top rated companies. Single premium and low cost "term type" plans are available.

Disability Insurance

Provides a stated amount of periodic income in the event an individual cannot work due to a disability, illness, or accident.

Long-Term Care Protection

A broad range of medical, personal, and environmental services designed to assist individuals who have lost the ability to remain independent.

Critical Illness Insurance

With critical illness insurance, you can help protect yourself, your family and your lifestyle so when you survive a critical illness, you can also cope with its significant costs.

Policies can be issued between the ages of 18 & 64. $5,000 to $50,000 in benefits available. Covers 12 conditions and guaranteed renewability to age 75. This plan will pay a lump sum after the first confirmed diagnosis of a covered illness or medical procedure and can be used to pay your mortgage, auto loans, credit card payments, uncovered medical expenses, rehabilitation, travel expenses to seek medical treatment outside of your community, child and nursing care and even a vacation to recuperate!

Property & Possessions

"Providing protection for all your assets."

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.

Farm Policy

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

Mobile Home Policy

Provides coverage for property damage and liability. Many coverage enhancements are available to meet your needs.

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.

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.

Personal Umbrella Liability

Provides excess liability coverage over other lines of insurance.

All-Terrain Vehicle & Snowmobile

Liability and property and physical damage coverage.

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 drivers.

Recreational Vehicle & Travel Trailer

Coverage specifically designed to meet your needs. Available coverage includes: 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. 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.

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.

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.