Protecting Dreams
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You’ve got dreams, but coverage weakness and gaps may lead to protection nightmares.
Does your home insurance policy include?
- Home Cyber Protection (data breach, cyber attack, cyber extortion, fraud)?
- Flood coverage?
- Service Line (wiring, sewer, electrical, cable)?
- Equipment Breakdown (HVAC, appliances, lawn mower, etc.)?
Does your auto policy include?
- Vanishing Deductible?
- New Car Replacement?
- Original Equipment Manufacturer (OEM) parts guarantee?
- Lease or Loan Gap coverage?
Are your dreams protected?
Let’s talk about your dreams today, for tomorrow.
Auto Insurance
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.
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Home Insurance
Your home is one of your biggest assets, and it's important to do all that you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for you and your family.
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Renters Insurance
When you rent or lease, your landlord's insurance usually only protects the building itself—not your personal belongings. We'll design coverage to protect your personal property and your lifestyle while renting.
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Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We'll make sure you understand your bylaws and have the protection you need.
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Umbrella Insurance
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We'll help protect your financial future.
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Life Insurance
You can't put a dollar amount on your family, but you can ensure their future is protected. We can't predict when the unexpected will happen, but we can help you prepare for it when it does.
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Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We'll make sure you have the right coverage specially designed for the unique exposures involved.
Vacant Property Insurance
Many of us will be asked to manage a vacant home at some point. There are many reasons – you own rental property and are between tenants; you’ve moved for a new job but your house is unsold; a property is undergoing renovations; as executor, you are selling a house to close an estate. What you need is a policy that is specifically written for the risks of a vacant property.
Mobile Home Insurance
Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.
Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We'll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.
Earthquake Insurance
Even with your homeowners insurance, you're still at risk in the event of an earthquake. A specialty earthquake insurance policy can help bridge the gap in coverage, keeping your home and possessions protected.
Flood Insurance
Just because you don't live in a high flood risk area, doesn't mean it'll never happen to you. We'll provide the specialized coverage you need to help protect your home from rising waters—even if you're not in a flood zone.
High Net Worth Insurance
People with large assets have unique risks. High net worth insurance is a customized policy that protects clients from these risks—from home insurance to travel insurance and much more.
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Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We'll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
Motorcycle Insurance
While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We'll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We'll help you leave your worries on dry land and fully enjoy your time on the water.
Snowmobile Insurance
Your snowmobile is used for recreation, but that doesn't mean that there aren't any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.
Recreational Vehicle Insurance
Whether you're planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We'll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
Medicare
Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.
Long-Term Care
Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We'll help prepare you for the unexpected.
Child Life Insurance
No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We'll talk you through the basics of a child life insurance policy to help you decide if it's right for your family.
Wedding Insurance
Wedding insurance is specialized event insurance that allows you to keep the stress out of your big day!
Pet Insurance
Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.
Travel Insurance
Traveling is exciting, but there are risks associated with every trip. Investing in a travel insurance policy can help put your mind at ease so you can relax and enjoy the journey.
Excess Liability Insurance
Excess liability insurance is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.
Annuities
Annuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.
Off-Road Vehicle Insurance
Your off-road vehicle needs protection that's different from what your auto or homeowners insurance can provide. We'll help keep you and your off-road vehicle safe and secure while you explore.
MI No-Fault Reform
Michigan’s Auto No-Fault Law has now substantial and very important changes that will affect drivers in Michigan.
Rental Property Insurance
Don't be fooled, just because your tenant has renters insurance doesn't mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
Yacht Insurance
Spending time on your yacht is a luxurious, relaxing pastime. But, the risks associated with yacht ownership can put a damper on your downtime if you're not fully protected. Our insurance advisors will review your risks and help you decide on coverage that keeps your investment afloat.
