PERSONAL COVERAGE BUILT AROUND YOUR LIFE
Personal Insurance in Michigan
Protect More Than the Things You Own
Personal insurance should reflect the people, property, vehicles, income, and responsibilities behind the policy. Customers First Insurance Group helps Michigan families compare coverage, understand meaningful gaps, and see how limits, deductibles, exclusions, and endorsements affect the protection they are buying.
Auto and Michigan No-Fault
Home, Condo, and Renters
Umbrella and Liability
Flood, Life, and Specialty Risks
Personal Insurance Works Best as a Connected Plan
Auto, home, condo, renters, umbrella, flood, life, and specialty policies protect different parts of your financial life. A low price on one policy can create a gap elsewhere if liability limits, household members, replacement costs, water exposures, valuables, or vehicles are not reviewed together.
A family with youthful drivers, a finished basement, a pool, a rental property, a recreational vehicle, or growing assets needs a different plan than someone buying a first home or carrying basic transportation. We start with the household, then connect the policies that should work together.
Auto Insurance
Michigan auto insurance involves PIP medical choices, bodily injury liability, collision options, comprehensive, uninsured and underinsured motorist coverage, and household eligibility rules.
Home, Condo, and Renters Insurance
Protection for the dwelling or unit, personal property, loss of use, liability, water backup, service lines, equipment breakdown, valuables, and other household exposures.
Personal Umbrella Insurance
Additional liability limits can sit above eligible auto, home, rental, boat, and other personal policies when a serious claim exceeds the underlying coverage.
Flood, Life, and Specialty Coverage
Separate protection may be needed for flood, life insurance, landlord or vacant property, farms, pets, recreational vehicles, and other risks that standard home and auto policies do not fully address.
Local Insurance Guidance for Michigan Families
Customers First Insurance Group works from Clear Creek Plaza in Chesterfield and serves New Baltimore, Macomb County, Metro Detroit, and families throughout Michigan. Owner Michael Vereecke has worked in insurance since 2009 and holds the Commercial Lines Coverage Specialist (CLCS) designation.
We help households review Michigan no-fault choices, rebuilding costs, wind and hail, water backup, basement contents, flood, liability, youthful drivers, rental properties, recreational vehicles, and other exposures. Our role is to compare available carrier options and explain the differences—not simply hand you the lowest-priced proposal.
Michigan Personal Insurance Questions
What personal insurance policies might I need?
The answer depends on your household, vehicles, property, assets, income, family responsibilities, and other exposures. Common coverages include auto, homeowners, condo, renters, umbrella, flood, life, boat, motorcycle, recreational vehicle, landlord, and pet insurance.
Should I bundle home and auto insurance?
Bundling can lower the total premium and simplify billing, but it is not automatically the best option. We compare the combined cost and coverage with strong unbundled alternatives when appropriate.
How much personal liability coverage should I carry?
The answer depends on your assets, income, drivers, property features, activities, and potential lawsuit exposure. We review the liability limits on your auto and property policies and discuss whether an umbrella policy makes sense.
Can Customers First compare multiple personal insurance carriers?
Yes. As an independent agency, we can compare available carriers when appropriate and explain differences in price, limits, deductibles, endorsements, exclusions, claims features, and underwriting requirements.