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Homeowners


What Is Builders Risk Insurance & Do I Really Need It?

Everything You Need to Know Before Starting Your Construction Project

Does Your Policy Need a Back to School Checkup?

While many back-to-school checklists exist, most fail to mention the importance of checking in with your insurance agent. Whether your scholar is attending a big name Ivy League school, or the local community college this fall, you will want to address this life milestone with your agent before it’s too late. Read on for some tips on tying up any ...

Winter is Coming, Are You Prepared?

(Updated January 2026) Winterize Your Home — and Make Sure You’re Covered Winter in Michigan is a given — even when we’d rather be thinking about sunshine and beach days. With colder temperatures, heavier snow events, ice, and stronger wind patterns becoming more common, it’s more important than ever to prepare your home and make sure your insurance coverage is ...

How Much Liability Insurance Is Enough?

Updated January 2026

What to do in the Event of a Claim

Updated January 2026 What to Do After a Loss: A Step-by-Step Insurance Claims Guide (Updated for 2026) Experiencing property damage, an auto accident, a workplace injury, or a liability claim can be overwhelming. After ensuring everyone’s safety and receiving any necessary medical care, many people are left wondering:

How Does the Increase in Cost of Construction Impact Your Insurance?

Updated January 2026 Rising Construction Costs: Why Your Insurance Coverage Matters More Than Ever in 2025 By now, most homeowners and business owners are well aware that construction costs remain significantly higher than they were just a few years ago. While prices have stabilized in some areas, material and labor costs are still elevated—and that reality has important implications for ...

4 Tips for Winter Roof Maintenance

Updated December 2025 Winter Roof Maintenance Tips to Protect Your Home in Michigan (2025 Guide) Michigan winters are nothing if not unpredictable. Heavy snow, freezing rain, sleet, high winds, and rapid temperature swings are now common—sometimes all in the same week. While extra snowfall can be great for winter recreation, it also places serious stress on residential and commercial roofs.

8 Life Events that Affect Your Insurance Needs

Updated December 2025 Life Changes Fast—Your Insurance Should Keep Up Think about the last show you binge-watched. Each season brought new twists, unexpected challenges, and major character growth. Unlike TV, real life doesn’t follow a script—and that’s exactly why your insurance coverage shouldn’t stay static.

Prevent Damage from Weight of Ice & Snow and Ice Dams

Updated December 2025 Winter Roof Safety: Prevent Damage from Snow and Ice in 2025 Michigan winters are beautiful—but heavy snow, ice, and fluctuating temperatures can put serious stress on your home or commercial building. In 2025, with climate patterns bringing more intense snow events, it’s more important than ever to prepare your property and reduce the risk of damage from ...

The Home-Sharing Basics

Updated December 2025 What You Should Know Before Home-Sharing With the rise of the gig economy, home-sharing platforms like Airbnb and Vrbo have become popular ways to earn extra income from your property. While the idea of turning your home—or even a spare room—into a revenue stream is appealing, there are important considerations homeowners need to understand before listing their ...

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Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664

Oscoda
PO Box 39
Oscoda, MI 48750-0039

Local: (989) 739-1461