Auto, Home & Boat Insurance

Whatever the day brings, it is good to feel protected. We want to safeguard the home that offers us sanctuary – the car that sets us free – the boat and recreation vehicles that help us relax with our family and friends – so we can enjoy the things we own.


As an independent agency we can shop the market for you, so you can move on with your busy day. We represent many insurance companies, providing you with a broad range of options.

Auto insurance is more than price, it is also about excellent coverage and value. No one wants a surprise when a claim occurs!

Whether you are first time buyers, parents with young drivers, or mature drivers – we can help you find the best coverage and best fit with our knowledge and personal service.


  • Automobiles
  • Trucks
  • Antique or Classic Autos
  • Motor Homes
  • Campers & Travel Trailers
  • Motorcycles

“We are so appreciative of the insurance coverage, and the insurance company’s handling of our recent auto accident. You don’t realize the value of a great agent and the coverage he has recommended until you are in a difficult situation. We are very grateful for the way CIA and Wolverine Mutual have taken care of our family.”

— Andy and Kristen D. — Bridgman


  • Multi policy home and auto
  • Group affiliation: are you a member of AARP, an alumni association, professional association or service club?
  • Safety features: air bag, anti-lock brakes, traction control, alarm system, etc.
  • Multi-car discount
  • Good student discount
  • College student away at school
  • Payment in full
  • Home Ownership
  • Accident free/safety discount


When insuring one of your most valuable assets, it is important to choose wisely. Homeowners insurance offers broad coverage on your dwelling, outbuildings, contents and more. Insuring the dwelling for what it will cost to rebuild it, insuring contents at the price to buy them new again, and including significant personal liability protection in case of lawsuits are priorities.


  • Primary Home
  • Secondary Home
  • Small Farm or Hobby Farm
  • Condominium
  • Rental Dwelling
  • Renters Policy


  • Multi policy home and auto
  • Renovation discount- new roof, plumbing, heating, wiring
  • Group affiliation- are you a member of AARP, an alumni association, professional association or service club?
  • Mature homeowner
  • New/Recently built home
  • Loss free
  • Payment in full
  • Non-smoker
  • Alarm system – burglar, fire, smoke
  • Mortgage free
  • Dwelling under construction


A personal umbrella policy is designed to protect you, your family, and your assets against soaring legal judgments for bodily injury, property damage, or personal injury. An umbrella policy provides additional coverage above your auto, home, watercraft, rental dwelling and more.

Other considerations for adding this protection include having young drivers, swimming pools, boats or other recreation vehicles. Participation in civic and community groups, or an active lifestyle can also expose you to greater liability risks. This inexpensive policy can make a world of difference in paying legal expenses and a judgment against you.


Whether you own a powerboat, sailboat, or personal watercraft, we can offer a wide range of insurance protection for physical damage and liability risks.

Coverage options include replacement cost on newer boats, towing and emergency assistance, pollution liability, coverage for older boats, and coverage for faster boats.


  • Boating Experience or Boating Safety Courses
  • Halon Fire Extinguishing System
  • Multi-boat
  • Multi-policy
  • Shore Station, Ship to Shore Radio
  • Navigation System, Depth Sounder
  • Group Discounts
  • Loss Free Discounts


Losses due to flooding are not covered by a homeowners insurance policy. Although we hope it will never be necessary, we can offer flood coverage for your home or rental dwelling through the National Flood Insurance Program. Please contact us for more details.