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Homeowners Insurance

Your home is the biggest investment you will make. Having proper coverage gives you the peace of mind knowing that you, your contents, and home are adequately covered in the event of a loss.

Homeowners Programs Available

Renters (personal property)
Mobile Homes

Basic Form- HO1
Broad Form- HO2
Special Form-HO3
Special Building & Contents Form- HO5

Optional Coverages:

  • Boats

  • Snowmobiles

  • Recreational vehicles

  • Identity theft Expense

  • Water Backup and Sump Discharge or Overflow

  • Repair Cost

  • Furs

  • Jewelry

Discounts Available:

  • Age of Dwelling

  • Home and Auto Package

  • Protective Devices

  • Senior Citizen

  • No Wood

  • Additional Secondary Residence

  • Pay Plan Discount

Dwelling Insurance

Our dwelling fire program provides coverage for your investment properties.

Coverage available for:

  • Owner occupied secondary/seasonal properties

  • Tenant occupied rental properties

  • Vacant properties

  • Garages

Dwelling Fire Programs Available:

Basic Form FL1 Fire only
Basic Form FL1 Fire & Extended Coverages
Basic Form FL1 Fire, Extended Coverages, and Vandalism
Broad Form FL2  
Special Form FL3  

Repair Cost Endorsement Available

Discounts Available:

  • Auto/Home

  • Protective Devices

  • Pay Plan Discount

Automobile Insurance

Get the right coverage for your vehicle, at a price you can afford. Our personal auto program provides coverage for your cars, trucks, SUVs, campers, trailers, motorhomes, and collectible vehicles.


  • Bodily Injury Liability

  • Property Damage

  • Personal Injury Protection

  • Property Protection

  • Comprehensive

  • Collision

  • Uninsured Motorist Liability

  • Underinsured Motorist Liability

  • Towing & Labor

  • Rental Reimbursement

  • Loan/Lease Gap

Discounts Available:

  • Multi-Policy

  • Multi-Car

  • Good Student

  • Distant Student

  • Senior Citizen

  • Low Mileage

  • Air Bags

  • Anti-Theft Device

  • Paid In Full

Personal Umbrella

Personal Umbrella Insurance provides extra liability coverage above your Auto or Home policy limits. Personal Umbrella coverage is offered with $1 Million or $2 Million limits.

A multi-policy discount is provided on the Auto and Homeowners policy when bundled with a Personal Umbrella policy.






201 Quincy Street
P.O. Box 570
Hancock, MI 49930

(906) 482-2880 Tel
(906) 482-7659 Fax

Toll-Free Phone Numbers
(877) 437-5925 Nationwide


Hours: Monday – Friday 8:00-4:30 EST

Our current A.M. Best rating is "A-, Excellent".


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