Insurance Resource of Michigan

is an independent insurance agency specializing in personalized insurance. We provide insurance protection to give you and your family the peace of mind to enjoy life. Our service takes the burden of choosing the right insurance products and makes it easy and stress free.

Home

Protection for your home, belongings and personal liability

Auto

Coverage for damage to your vehicles and injuries when an accident occurs

Umbrella

Additional layer of protection for your assets in case of a serious incident

Life

Peace of mind for your family and beneficiaries in the event of death

Recreational

Specialized coverages for the unique belongings you love to enjoy

ADDITIONAL PRODUCTS

Collections
Flood
Jewelry
RV
ATV & Snowmobile
Collector Cars
Motorcycle
Watercraft
Business Insurance
High Value Homeowners
Rental Properties
Seasonal Homes

Relocation Services

INSURANCE RESOURCE OF MICHIGAN provides concierge-style insurance services to ensure your satisfaction and a stress-free move. Through Insurance Resource of Michigan, we provide a level of service and the insurance products to meet all of your needs. We provide products for everything from homes, seasonal properties, automobiles, boats, jewelry, other possessions, umbrella liability to protect against costly lawsuits and life insurance.

CLAIM SERVICES We work with you to ensure prompt claims service and we can help guide you through the claims process as your advocate. 

COVERAGE ANALYSIS We conduct regular coverage analysis at the beginning and throughout our relationship with you. Life changes, and we work to be in front of those changes as they affect your insurance needs. 

RISK MANAGEMENT We provide ongoing recommendations and tips to help prevent a claim before it happens. 

INSURANCE DISCOUNTS We regularly ask questions to make sure that you are getting the best use out of your insurance dollars. We work with you to find the best mix of products to utilize any available discounts you may be able to enjoy.

1st Time Home Buyers

FIRST TIME HOME BUYERS INFORMATION. Insurance Resource of Michigan provides personalized insurance for first time home buyers. When buying a first home, you may be new to the insurance buying process. We make it easy and stress-free, while educating you so that you can make a wise buying decision. Starting with your new home, Insurance Resource of Michigan also provides all of the other insurance products you may need.

Common Terms

DEDUCTIBLE When you have a claim, this is the amount that you pay out of pocket before your insurance kicks in. 

LIABILITY COVERAGE This coverage is needed for protecting yourself from personal liability lawsuits – usually due to negligence. 

PERSONAL PROPERTY OR CONTENTS Belongings such as furniture, clothing and electronics are covered here. It’s important to take inventory to determine what it would cost to replace these belongings should you have a claim. 

REPLACEMENT COST When you have a claim, the settlement for your home and personal property lost would be based on the cost to replace the property. 

ACTUAL CASH VALUE When you have a claim, the settlement for your home and personal property lost would be based on the current cash value, or depreciated value.

No-Fault Insurance

Every owner of a car must buy basic coverages in order to get license plates. It is against the law to drive or let your car be driven without no-fault insurance.

Three Part Insurance:

PERSONAL INJURY PROTECTION (PIP) This part of your no-fault policy will pay all of your medical costs. It will also pay up to 85% of the income you would have earned if you had not been hurt, for up to three years. 

PROPERTY PROTECTION INSURANCE (PPI) No-fault will pay up to $1 million for damage your car does in Michigan to other people’s property, such as buildings and fences. It will also pay for damage your car does to another person’s properly parked vehicle. It does not pay for any other damage to cars. 

RESIDUAL LIABILITY INSURANCE (RLI) The no-fault law protects insured persons from being sued as a result of an auto accident except in certain special situations.

Benefits of No-Fault Insurance

UNLIMITED MEDICAL BENEFITS In Michigan, those injured in auto accidents receive unlimited medical benefits for their lifetime and substantial wage loss benefits on a no-fault basis. 

PROMPT COMPENSATION Under Michigan’s no-fault system severely injured people receive immediate benefits instead of the previous system of having to wait for lawsuits with at-fault parties to be settled. 

REASONABLE PRICING The cost of Michigan’s auto insurance system is reasonable – considering that Michigan has the highest level of auto insurance medical benefits in the country. In most other states, injured parties must file lawsuits to obtain medical benefits. 

COVERS WHOLE FAMILY A no-fault policy covers all family members living in the same house. Personal injury protection benefits will be paid even when a family member is a passenger in another person’s car or is a pedestrian when an accident takes place.

Seasonal Home or Vacation Rental

INSURANCE RESOURCE OF MICHIGAN partnered with Berkshire Hathaway HomeServices of Michigan, provides concierge-style insurance services to give the best coverage for your vacation home. Whether it be your secondary or seasonal home, to a home that you rent out occasionally or all the time, we have the right coverage for you.

SEASONAL OR SECONDARY HOME A seasonal or secondary home is typically written on a standard homeowner policy. We recommend insuring for the replacement value of the home. There is also the option to insure for actual cash value, but be aware that the insurance company would depreciate the value of your property in a claim settlement. You can also add any boats, recreational vehicles, golf carts, and snowmobiles to your seasonal or secondary home. 

VACATION RENTAL Depending on how often you rent your home out, most are written on what is called a Dwelling Fire Policy. This policy covers your vacation rental home, your contents and liability in case of a lawsuit. Other important coverages to consider are loss of use and personal injury. Loss of use is there in case of a claim to your home and the home becomes unlivable and you lose income. This will replace the income you are losing. Personal Injury provides coverage in case of a lawsuit due to libel or slander. 

Services

CLAIM SERVICES We work with you to ensure prompt claims service and can help guide you through the claims process as your advocate. 

COVERAGE ANALYSIS We conduct regular coverage analysis at the beginning and throughout our relationship with you. Life changes, and we work to be in front of those changes as they affect your insurance needs. 

RISK MANAGEMENT We provide ongoing recommendations and tips to help prevent a claim before it happens. 

INSURANCE DISCOUNTS We regularly ask questions to make sure that you are getting the best use out of your insurance dollars. We work with you to find the best mix of products to utilize any available discounts you may be able to enjoy.