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We provide the following coverages, along with other special coverages:
- Auto
- Home Owner
- Condominium
- Rental
- Recreational Vehicle
- Motorcycle
- Boats
- Flood
- Inland Marine / Jewelry / Fine Art
- Personal Umbrella
- + More
Our Companies:
- AAA
- Cincinnati Insurance Companies
- Citizens Insurance
- Encompass Insurance
- Grange Insurance
- Hagerty Insurance
- Harleysville Insurance Company
- Hastings Mutual Insurance Company
- Michigan Insurance Co.
- Progressive Insurance
- Safeco Insurance
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Personal Lines Department Contacts
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Dominic Frontera, CSR |
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Tracey Edison CISR, CSR |
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Kathy Masserant CISR, CSR |
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Karen Smith, CSR |
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Chris Shupick , CSR |
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PLEASE NOTE: No coverage or policy changes requested by email are effective/executed until written confirmation is issued by an agent of Howey & Associates Insurance. |
Homeowners Insurance
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.
Automobile Insurance
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.
Boat Insurance
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.
Motorcycle Insurance
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.
Umbrella 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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