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Michigan Insurance
Your Partner in Protection Across Michigan
A no-fault auto system with choices that change your protection, hard winters and workers comp rules for growing businesses make the right coverage matter here. We compare insurance companies for Michigan families and businesses, from personal and life insurance to specialty coverage like trucking, contractors and builders risk.
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Coverage in Michigan
What We Write in Michigan
Personal
Home, auto, flood, renters and condo, and umbrella, including the no-fault coverage every Michigan auto policy carries.
Learn More →Business & Commercial
Liability, property, workers comp, commercial auto and umbrella for every kind of Michigan business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help meeting Michigan workers comp rules.
Learn More →Michigan Notes
What's Different About Insuring in Michigan
Each state page covers the rules and risks that matter there.
- Michigan auto is no-fault, and drivers choose a personal injury protection medical limit that changes both price and protection
- Every auto policy includes property protection, which pays up to $1 million for damage your car does to buildings and parked cars in Michigan
- Employers generally need workers comp once they have three employees, or one employee working 35 hours a week for 13 weeks
- Ice dams, frozen pipes and winter storms are common causes of home claims
- Flood is a separate policy from homeowners, even far from the Great Lakes
Licensing
Licensed Agents in Michigan
Verify any license with the Michigan Department of Insurance and Financial Services.
- J&D agents hold Michigan producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll shop it for you.