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You want to protect the ones you love while they are behind the wheel.

Let our team make sure you have the right coverage.

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FAQs

Standard Collision Coverage

Your carrier will pay for collision damage up to your limit of liability. You are responsible to pay the collision deductible regardless of fault.

Broad Form Collision Coverage

Your carrier will pay for collision damage up to your limit of liability. If the covered driver is substantially at fault, they are responsible to pay the deductible. If the other driver is substantially at fault, they are responsible to pay your deductible.

Limited Collision Coverage

Your carrier will pay for collision damage only if the covered driver is deemed not substantially at fault for the accident. This coverage is still subject to your collision deductible and limit of liability.

PLPD (No Collision Coverage)

Public Liability and Property Damage is a basic liability coverage for drivers in Michigan. There is no collision coverage for any covered or non-owned vehicle with this option. PLPD is not accepted for loaned, leased or financed vehicles.  

Collision deductibles

If you choose to carry collision coverage for your vehicle, the deductible can range from $100 to $1000 depending on your carrier. The higher your deductible, the lower your monthly insurance payments will be.

Comprehensive/ Other than collision coverage

This option typically covers damage from fire, vandalism, or weather-related causes. Collision with wildlife is also covered under comprehensive.

Comprehensive Deductible

There are many deductibles to choose from depending on your insurance provider. Claims are subject to your deductible. The higher your deductible, the less expensive your insurance premiums will be.

Roadside Assistance

Several carriers offer no out-of-pocket roadside assistance coverage for towing, flat tire service, running out of gas, or locking your keys in your car.

Rental Reimbursement

This coverage reimburses you for rental vehicle coverage for up to 30 days while your vehicle is being repaired from a comprehensive or collision claim. Typically, you will be reimbursed from $20 to $50 a day.

Not every home is built the same way, so neither should your homeowners insurance.

You want to protect the ones you love while they are behind the wheel.

Whether you boat, hunt, camp, off-road, snowmobile, or cart, we've got you covered.

The price of having an extra million dollars in liability coverage far outweighs the cost of not having it.

Nothing is more important than making sure your loved ones are taken care of in the years to come.  

Your business is your baby. You want your carrier to protect it the same way you do.

Jewelry to sports memoribilia and everything in between.

water that comes into your home through doors or windows is not covered by a standard homeowners policy.

Our Carriers