Michigan Independent Agents

Michigan Insurance All Your Needs in One Place

Get help from one of our Michigan independent agents

They understand your risks and will find you the coverage you need.

Most Popular Insurance Coverages in Michigan

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car, and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in Michigan?

Michigan Insurance FAQ

The best insurance in Michigan can be found easily, especially when you know where to look. Here are just a few of our top picks for the best insurance companies in Michigan.

  • Central Insurance: Central Insurance was founded in 1876 and has an "A" or excellent rating for financial strength from AM Best, as well as an overall excellent "A+" rating by the Better Business Bureau (BBB). The carrier sells both personal and business insurance. Central Insurance's catalog includes boatowners insurance, auto insurance, flood insurance, umbrella insurance, crime insurance, general liability insurance, and more.
  • Travelers: Travelers was founded in 1864 and is rated an "A++" by AM Best, which is the highest possible rating for financial strength. The carrier sells both personal and business products. Travelers has a huge selection of coverages for professionals and individuals alike, including commercial auto insurance, home insurance, condo insurance, snowmobile insurance, RV insurance, workers' comp, and cyber liability insurance. 
  • Progressive: Progressive was founded in 1937 and is rated "A+" by AM Best for its continuously excellent financial strength. Progressive sells both business and personal coverages. The carrier's extensive coverage catalog includes home insurance, flood insurance, boat insurance, auto insurance, business insurance, commercial auto insurance, professional liability insurance, and more.
  • Nationwide: Nationwide was founded in 1925 and is rated "A+" by both AM Best and the BBB. Nationwide sells both business and personal products. The carrier offers life insurance, specialty products, auto insurance, flood insurance, and property insurance. 
  • Encova: Encova was founded in 2017 and is rated a solid "A-" by AM Best. The insurance company offers both business and personal coverage. Encova's large coverage catalog includes commercial auto insurance, personal auto insurance, cyber liability insurance, workers' comp, personal property insurance, and life insurance. 

Homeowners insurance in Michigan provides coverage for the home's structure or dwelling if it gets damaged or destroyed by a peril like fire, falling objects, vandalism, etc. It also covers the homeowner's personal property, like clothing, if it gets damaged, stolen, or destroyed by a covered peril like theft, fire, etc. Home insurance covers personal liability if the homeowner gets sued by a third party, and also additional living expenses if they must live somewhere else while their home undergoes extensive repairs. Talk to an independent agent to find the best plan for you.

Michigan currently ranks as having the most expensive car insurance rates in the entire country. Residents pay an average of $2,476 for their car insurance in Michigan annually. The national average is only $1,311 per year. An independent insurance agent can help you find a plan that fits your needs. 

Workers' compensation insurance in Michigan is required for businesses with at least three employees. This coverage can reimburse for costs of employee medical treatment and rehabilitation if they get injured or ill due to their job or work environment. An independent insurance agent in your area can help you find a plan that will cover your business and workers.

Restaurant insurance in Michigan provides the basics included in a business insurance policy. So your restaurant insurance policy will include commercial general liability coverage, workers' compensation, commercial vehicle insurance if applicable, commercial property insurance, etc. However, your restaurant will also likely need spoilage coverage to protect against extended outages and other disasters that cause spoiling of food and other inventory. It may also need equipment breakdown insurance to cover the cost of repairing or replacing large appliances like boilers if they get damaged or destroyed due to a covered peril. You can find a plan by contacting a local independent insurance agent.

Commercial vehicle insurance in Michigan is required for all company vehicles and for personal vehicles used for business purposes. Personal auto insurance doesn't cover your own car if it's used for deliveries or other business activities. If your business uses vehicles for any company duties, the entire fleet must be insured. Finding insurance through an independent agent is the easiest way to make sure you get the best coverage.

Business insurance in Michigan is needed by all businesses in the state to protect against numerous disasters, including theft, employee crime, vandalism, storm damage, and more. Without the right coverage, a business could go bankrupt after paying for just one large claim. The liability coverage included in business insurance is also critical in case a business gets sued by a customer or other third party. Getting coverage through an independent insurance agent ensures you get the best coverage available.

Umbrella insurance in Michigan extends your liability coverage to a limit of $1 million or greater. Umbrella policies get paired with insurance you already have, such as home insurance, boat insurance, or certain types of business insurance. This coverage helps you afford the entire cost of a lawsuit that may otherwise exhaust your liability coverage. Talk to an independent insurance agent to find more details.

Renters insurance in Michigan will vary in terms of cost. In general, the average cost of renters insurance in Michigan is $155 annually, which is about $29 cheaper than the national average. Renters insurance costs vary depending on the insurance company you choose, how much coverage you need, and more. You can talk to an independent insurance agent in Michigan to find more details.

Life insurance in Michigan can help you prepare for the unexpected. Someone may want life insurance coverage to help their spouse maintain the same standard of living after they've passed away. Another reason to purchase life insurance is to set aside money for a dependent's future college tuition. Life insurance can also be used to make a charitable donation to the organization of the policyholder's choice after they pass. You can find life insurance through your local independent insurance agent.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Michigan independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Michigan to find you the right coverage at a great price.

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