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They understand your risks and will find you the coverage you need.

Most Popular Insurance Coverages in Michigan

The coverage you need to protect your home and everything in it.

The right protection for you, your car, and others on the road.

Broad protection that covers you, your employees, and customers.

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in Michigan?

Michigan Insurance FAQ

What are the best insurance companies in Michigan?

The best insurance in Michigan can be found easily, especially when you know where to look. Here are just a few of our top picks for the best insurance companies in Michigan.

What does homeowners insurance cover in Michigan?

Homeowners insurance in Michigan provides coverage for the home's structure or dwelling if it gets damaged or destroyed by a peril like fire, falling objects, vandalism, etc. It also covers the homeowner's personal property, like clothing, if it gets damaged, stolen, or destroyed by a covered peril like theft, fire, etc. Home insurance covers personal liability if the homeowner gets sued by a third party, and also additional living expenses if they must live somewhere else while their home undergoes extensive repairs. Talk to an independent agent to find the best plan for you.

How much does car insurance cost per year in Michigan?

Michigan currently ranks as having the most expensive car insurance rates in the entire country. Residents pay an average of $2,476 for their car insurance in Michigan annually. The national average is only $1,311 per year. An independent insurance agent can help you find a plan that fits your needs. 

What are the workers' compensation laws in Michigan?

Workers' compensation insurance in Michigan is required for businesses with at least three employees. This coverage can reimburse for costs of employee medical treatment and rehabilitation if they get injured or ill due to their job or work environment. An independent insurance agent in your area can help you find a plan that will cover your business and workers.

What types of insurance does a restaurant need in Michigan?

Restaurant insurance in Michigan provides the basics included in a business insurance policy. So your restaurant insurance policy will include commercial general liability coverage, workers' compensation, commercial vehicle insurance if applicable, commercial property insurance, etc. However, your restaurant will also likely need spoilage coverage to protect against extended outages and other disasters that cause spoiling of food and other inventory. It may also need equipment breakdown insurance to cover the cost of repairing or replacing large appliances like boilers if they get damaged or destroyed due to a covered peril. You can find a plan by contacting a local independent insurance agent.

What are the commercial vehicle insurance requirements in Michigan?

Commercial vehicle insurance in Michigan is required for all company vehicles and for personal vehicles used for business purposes. Personal auto insurance doesn't cover your own car if it's used for deliveries or other business activities. If your business uses vehicles for any company duties, the entire fleet must be insured. Finding insurance through an independent agent is the easiest way to make sure you get the best coverage.

Why do businesses need business insurance in Michigan?

Business insurance in Michigan is needed by all businesses in the state to protect against numerous disasters, including theft, employee crime, vandalism, storm damage, and more. Without the right coverage, a business could go bankrupt after paying for just one large claim. The liability coverage included in business insurance is also critical in case a business gets sued by a customer or other third party. Getting coverage through an independent insurance agent ensures you get the best coverage available.

What does umbrella insurance cover in Michigan?

Umbrella insurance in Michigan extends your liability coverage to a limit of $1 million or greater. Umbrella policies get paired with insurance you already have, such as home insurance, boat insurance, or certain types of business insurance. This coverage helps you afford the entire cost of a lawsuit that may otherwise exhaust your liability coverage. Talk to an independent insurance agent to find more details.

What does renters insurance cost in Michigan?

Renters insurance in Michigan will vary in terms of cost. In general, the average cost of renters insurance in Michigan is $155 annually, which is about $29 cheaper than the national average. Renters insurance costs vary depending on the insurance company you choose, how much coverage you need, and more. You can talk to an independent insurance agent in Michigan to find more details.

Why should someone consider buying life Insurance in Michigan?

Life insurance in Michigan can help you prepare for the unexpected. Someone may want life insurance coverage to help their spouse maintain the same standard of living after they've passed away. Another reason to purchase life insurance is to set aside money for a dependent's future college tuition. Life insurance can also be used to make a charitable donation to the organization of the policyholder's choice after they pass. You can find life insurance through your local independent insurance agent.

Why work with an independent insurance agent in Michigan?

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Michigan independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Michigan to find you the right coverage at a great price.

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