Personal insurance is designed to protect you from events outside of your control and to provide peace of mind that you are protected from financial ruin were one of these events to occur. Our insurance experts analyze your insurance needs to provide the best possible policies for you.

 

Home Insurance
Your most valuable asset is very likely your home, so we only work with carriers who provide the best possible coverage and protection against insurable hazards. 

Umbrella Insurance
We’ll find you an umbrella insurance policy designed to add extra liability coverage to your underlying policies and help protect your assets from a covered lawsuit. 

Auto Insurance
We work with a wide variety of carriers to get you the best value and protection for your vehicles.

Renters Insurance

A renters insurance policy includes coverage designed to protect tenants living in rented spaces. These policies include coverages meant to protect provide liability protection and coverage for their belongings. Below is a list of coverage typically included in a renters insurance policy.

Flood Insurance
Most homeowners insurance policies specifically exclude flooding, we’ll help you find the right policy to protect you.

 
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  • No. A standard homeowners policy almost always excludes damage caused by flooding, whether it is from a storm, snowmelt, or overflowing river. To be protected against rising water, you need a separate Flood Insurance policy. We can help you determine if your property is in a high-risk zone and find the right coverage.

  • insuring a new driver is a major milestone that comes with higher premiums, but you have options. Good student discounts, safety courses, and choosing the right vehicle can all help. We wrote a detailed guide on navigating this stage. Read our guide for parents of teen drivers here.

  • Umbrella insurance isn't just for the wealthy. It provides extra liability protection that kicks in once your auto or home limits are exhausted. If you own a dog, have a swimming pool, own a rental property, or have significant savings to protect, an Umbrella policy is a very affordable way to shield your future assets from a major lawsuit.

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Car Insurance for Teen Drivers in Michigan: What Parents Need to Know
Car Insurance for Teen Drivers in Michigan: What Parents Need to Know

Getting a driver's license is a major milestone for teenagers–and a nerve-wracking one for parents. Between safety concerns, rising insurance premiums, and confusing policy rules, adding a teen to your auto insurance can feel very overwhelming. If you're preparing to insure your new driver, here's what you need to know about car insurance for teen drivers in Michigan in order to keep both your wallet and your teen protected.

How Increasing Storm Severity Is Reshaping Insurance Preparedness
How Increasing Storm Severity Is Reshaping Insurance Preparedness

Across the United States we’re seeing a clear and measurable rise in the frequency and severity of extreme weather events - tornadoes, derechos, floods, hurricanes, wildfires, and everything in between. And these storms aren’t just more common, they’re more destructive, more expensive, and more unpredictable than ever before.

Increasing storm severity is no longer the exception to the rule even in Michigan - it’s the new normal. It’s also why insurance preparedness is so important.

Why Auto Insurance Rates in Michigan Keep Rising
Why Auto Insurance Rates in Michigan Keep Rising

If you’ve noticed your auto insurance rates in Michigan creeping up, you’re not alone—and it’s not your imagination. Across the board, consumers are seeing premium increases driven by a perfect storm of factors affecting the auto insurance market. Even drivers with clean records and no recent claims are being hit with higher costs. Understanding the “why” of rising auto insurance rates can help you navigate the current insurance landscape and make smarter decisions about your coverage.