Michigan Insurance FAQs | Michigan Community Insurance Agency
Michigan Community Insurance Agency
Michigan Insurance FAQs
Clear answers to the questions we hear most—about Michigan auto no-fault, homeowners, business coverage, workers’ comp, cyber, and more. If you don’t see your question here, reach out and we’ll help.
What are your hours and how can I contact you?
Which areas of Michigan do you serve?
We serve customers across Michigan with locations in Southeast Michigan. Common service areas include Milford, South Lyon, Northville, Farmington Hills, Tecumseh, Monroe, Wixom and surrounding communities.
What insurance products do you offer?
Personal: Auto, Home, Renters, Condo, Umbrella, Motorcycle, RV, Boat, Life.
Commercial: General Liability, Property/BPP, Business Income, Workers’ Comp, Commercial Auto, Cyber, Professional & Management Liability, and more.
What makes an independent agency different?
We represent multiple top carriers and shop rates and coverage on your behalf—so you get a better fit now and more options at renewal, with one local team to call.
Do I need no-fault insurance in Michigan?
Yes. Michigan is no-fault. Drivers typically carry PIP (Personal Injury Protection), PPI (Property Protection Insurance), and residual liability coverage. We’ll help you choose a PIP level that fits your situation.
How can I lower my auto premium?
Bundle home + auto, consider telematics, maintain a clean record, and set smart deductibles. We’ll compare multiple carriers for the best overall value.
What’s the right homeowners coverage amount?
Base it on rebuild cost (not market value). We’ll estimate replacement cost, ensure proper liability limits, and recommend endorsements like water backup or scheduled items.
Do I need umbrella insurance?
If you own a home, have savings, host guests, or have teen drivers, an umbrella adds $1M+ of extra liability at a low cost—a smart safety net for severe events.
When should I add a teenage driver?
Add them once licensed (earlier if required by your carrier). Ask about good-student and telematics discounts and which vehicles rate best for young drivers.
I drive for Uber/Lyft or deliver—am I covered?
Rideshare/delivery often needs a rideshare endorsement or a commercial policy. Tell us how you use the vehicle so we can place the correct coverage.
Do renters really need insurance?
Yes. Your landlord’s policy won’t cover your belongings or personal liability. Renters insurance is affordable and often unlocks bundle discounts with auto.
What is PIP and how do I choose a level?
PIP covers medical and related expenses after an auto accident. The right level depends on your health insurance, risk tolerance, and budget—your agent will walk you through tradeoffs.
How often should I review my policies?
Annually—or sooner after a move, remodel, teen driver, new business, or major purchase. Reviews help catch gaps and find savings.
What does business insurance include?
Common building blocks: General Liability, Property/BPP, Business Income, Workers’ Comp, Commercial Auto, Cyber, and Professional/Management Liability. We tailor by industry.
Is cyber insurance only for big companies?
No—most incidents impact small organizations. Cyber can cover breach response, legal/notification costs, ransomware, and business interruption.
Is Workers’ Comp required in Michigan?
Most employers with 3+ employees or 1+ working 35+ hours/week need it. We’ll confirm your status and quote accurate class codes.
How do certificates of insurance work?
They provide proof of coverage to customers/GCs/landlords. Request from our team and we’ll issue quickly with the correct holder and additional insured wording when needed.
What payment options do you accept?
Most carriers accept online and phone payments by card; many offer autopay and paperless billing. We’ll point you to the right payment portal for your carrier, and discuss other payment options.
Can I bundle policies for a discount?
Yes—bundling home + auto (and sometimes umbrella) can significantly reduce your total cost. We’ll compare bundle options across multiple carriers.
What’s the fastest way to get a quote?
Use our online form or share your current policies securely via Canopy Connect for a faster, more accurate comparison. Or call 248-679-7000.
|