The Homeowner policy provides coverage for your house, including an attached garage, other personal structures on your property, the contents of your home, and additional living expense in the event of an insured loss. In addition, personal liability protection with unlimited defense cost is included. Let us help you determine the right coverage to protect your home and its contents, along with other property such as jewelry, furs, fine arts, computers, etc.
An Auto policy provides liability and property protection insurance, which is coverage for bodily injury or property damage for which you are legally liable, and personal injury protection, which is coverage for your accident-related medical expenses and loss of wages. These coverages are mandatory in Michigan. Optional coverages you may choose to purchase are uninsured motorist, underinsured motorist, comprehensive, collision, towing, and rental reimbursement. We can help you make effective coverage choices.
The Boat policy also provides liability and physical damage coverage for your watercraft. Optional coverages available are On-Water Towing, Uninsured Boats, Fuel Spill Liability, and Wreckage Removal. Small boats may be eligible for coverage under the standard Homeowner policy.
The Motorcycle policy provides liability and physical damage protection as well as a wide range of other optional coverages such as Towing, Roadside Assistance, Medical Payments, Safety Apparel, and Optional Equipment coverage.
The Personal Umbrella policy provides important catastrophic protection for Automobile liability or Homeowners liability related claims after your primary insurance limits are exhausted. It can also provide coverage for libel, slander, invasion of privacy, defamation of character claims, and other liability claims, which may not be covered by your current Homeowners or Auto policies. Contact us to discuss this important coverage.
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