Personal Insurance Michigan Residents Can Rely On

Growers Choice Insurance is a local, independent insurance agency that provides personalized insurance coverage at a price that matches your budget. We provide unparalleled protection for our clients’ homes, automobiles, and personal possessions, along with personal liability coverages. How we serve you is just as important as what we provide you! We listen to your wants and needs and answer any questions you might have. Our experienced team looks both at your short-term and long-term goals and help put your insurance and planning needs into perspective. Our goal is to protect you from the unexpected with a tailor-made solution, which is why Growers Choice is your best choice for all your personal insurance needs.

Homeowners Insurance | Growers Choice Insurance | Michigan

Types of Personal Insurance Protection We Offer

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Homeowners Insurance

Homeowners Insurance

As they often say, the home is where the heart is. Protect your home and assets with home insurance coverage that meets your needs! Growers Choice will work with you to create a tailor-made insurance plan to protect your home and family. Whether you are a first-time home buyer, moving into a new house, or are looking to review your homeowner's insurance, get a home insurance quote today with insurance rates that won’t make you sick. Click the button below to learn more about our home insurance options.

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Car Insurance

Car Insurance

When you hit the road, feel confident that you, your vehicle, and your precious cargo are properly protected. Cheap car insurance is something we are all seeking these days, and at Growers Choice Insurance, we work with over 50 different insurance companies to ensure we find you the right car insurance quote. We will find you the lowest rates with the right coverage for you and your family’s needs. Learn more by visiting our car insurance page.

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Flood Insurance

As a homeowner, protecting your property from Mother Nature is always a key concern, especially because most homeowners and renters’ insurance policies do not cover flood damage. A flood insurance policy can provide the specialized coverage you need to protect your home, apartment, or condo from rising waters. You do not need to be in a high-risk flood zone to experience flooding. Our flood insurance coverage can help in many different flooding situations including heavy snowmelt, natural disasters, and river or dam flooding. Not only do we offer flood insurance through FEMA/NFIP, we also offer private flood insurance. Click the button below to get a flood insurance quote today!

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Condo Insurance

Condo Insurance

Condo insurance is designed specifically to meet your homeowner needs, including coverage for your personal possessions, structural improvements, and any additional living expenses incurred due to an accident. Depending on what is covered with your association’s master condo policy, Growers Choice will work with you to make sure you understand your bylaws and provide you with the protection your condo needs to help safeguard you from any losses. Click the button below to get a condo insurance quote today!

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Boat Insurance

Boat Insurance

Leave your worries on dry land with boat insurance from Growers Choice! We offer boat, yacht, and personal watercraft insurance policies that Michigan residents can rely on. Boat insurance is important for numerous reasons including protection against substantial injury to you and others, heavy property damage, mechanical breakdowns, towing, total loss replacement, fuel spill, wreckage removal, and more. Get a customized boaters insurance quote today so you can enjoy the water while staying worry free.

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Classic Car Insurance

Classic Car Insurance

Your special car needs special protection. Classic car insurance helps better protect your investment through specialized insurance coverage. Growers Choice will work with you to assign the vehicle an “agreed value”, providing you with coverage that helps ensure you’ll be compensated for the true cost to repair or replace your classic car in the case of an accident. For some classic car insurance policies, there may be mileage limitations. Be sure to talk with your Growers insurance agent about usage options when considering different coverage options. Learn more about our classic car insurance options by clicking the button below.

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Identity Theft Protection

If someone steals your personal information such as a credit card, medical ID, or social security number to use the information to commit crimes, you have fallen victim to identity theft. Falling victim to identity theft could ruin your name, your credit, drain your assets, and/or compromise your financial and medical history. If you don’t have it already, consider getting identity theft protection with Growers Choice Insurance. We can provide you with protection options that will restore your identity including reimbursement for certain fees related to medical identity fraud, replacement of government ID, lost wages, services to help reclaim your identity and restore credit, and more. Get a personalized identity theft protection quote today by clicking the button below.

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Motorcycle Insurance

Motorcycle Insurance

Live your life full throttle with motorcycle insurance from Growers Choice! Motorcycle Insurance is important to help protect you and your bike in case of an accident. Motorcycle insurance is required in Michigan and you must show proof of insurance prior to registering your motorcycle. With our extensive list of insurance providers, we will find you the right insurance coverage for incase the unexpected happens. Coverages may include collision, comprehensive, bodily injury, custom parts and equipment, roadside assistance, and more. Click the button below to learn more about our motorcycle insurance options.

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Motorhome & RV Insurance

Motorhome & RV Insurance

Did you know that mobile homes are often more at risk than a typical home or apartment? Protect your home away from home with motorhome and RV insurance. Whether you are traveling across country or parked for the summer we’ve got you, your vehicle, and your possessions covered. We offer personalized RV Insurance that is specifically tailored to your motorhome or RV’s model and design. Click the button below to learn more about our motorhome and rv insurance options!

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Renters Insurance

Renters Insurance

If you rent a home or apartment, you want to make sure to protect yourself from loss or damage. Renter insurance gives you piece of mind knowing that you and your belongings are protected. Renters insurance coverage can include damage or loss from burglaries, fires, water damage, and more. Some policies also include liability coverage in the case of accidental damage to the rental property or if someone gets hurt while visiting you. Get the best renters insurance coverage when you request a renters insurance quote from Growers Choice today!

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Umbrella Insurance

Umbrella Insurance

Get an extra layer of protection for when you need it. Umbrella Insurance works together with your home or auto insurance to protect you in case you are found liable in an accident. A major insurance claim or lawsuit could lead to personal financial loss if costs exceed your coverage provided by your standard homeowners and auto insurance policies. An umbrella policy covers significant property damage, bodily injury liability, landlord liability, slander or libel lawsuits, malicious prosecution, and more. Let Growers Choice help you protect your financial future by securing you a personal umbrella policy. Click the button below to get a quote today!

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Valuable Items Insurance

Valuable Items Insurance

We get it, accidents happen. Things break, pieces of jewelry can get lost, and valuable items can get stolen. But not to worry - Valuable Items Insurance from Growers Choice will provide your valuables with protection in the event of loss through theft, a natural disaster, or an accident. Valuable items insurance covers your favorite items including jewelry, watches, collectibles, sporting equipment, electronics and more. Get a valuable items insurance quote today to keep your most prized possessions protected.

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Pet Insurance

Pet Insurance

Here at Growers Choice, we get that your pet is a part of your family. Get protection for your pet’s health and your wallet with specialty pet insurance! Pet insurance will help you to avoid paying steep vet bills in the case of accidents, illnesses, or other medical needs. We work with our partner insurance companies to provide a plan that best fits your budget and your pet’s needs. Growers Choice has the best pet insurance coverage due to the wide variety of options our partner insurance companies offer. Get a pet insurance quote today by clicking the button below!

If you don’t see what you need, please let us know. Your business is very important to us. If you have questions or would like to know about all the policies that we offer, please contact our office or click here for a free quote!

We know all about our customers’ personal insurance needs because we’re from around here, too!

Growers Choice provides personal insurance to all of Michigan, including the following areas:

    • Bay County: Auburn, Bay City, Bentley, Essexville, Kawkawlin, Linwood, Munger, and Pinconning
    • Arenac County: Au Gres, Omer, Standish, Sterling, Turner, and Twining
    • Midland County: Coleman, Edenville, Hope, Midland, and Sanford
    • Saginaw County: Birch Run, Brant, Bridgeport, Burt, Carrollton, Chesaning, Frankenmuth, Freeland, Hemlock, Merrill, Oakley, Saginaw, and Saint Charles

Our Insurance Carriers

We work with over 50 different insurance companies to ensure we find the right insurance rate for you, your needs, and your budget.

Frequently Asked Questions

Personal lines insurance includes products such as homeowners’ insurance, flood insurance, earthquake insurance, renters’ insurance, car insurance, life insurance, disability insurance, umbrella insurance, and health insurance.

Most standard homeowners’ insurance policies do not cover damage from flooding. If you live in a designated flood zone or an area that is prone to flooding, flood insurance is important to cover damages that may not be covered by your home insurance policy.

There is usually a 30-day waiting period before a flood insurance policy can become effective.

Federal disaster assistance is only available if the President declares a disaster, and more than 90% of all disasters are not Presidentially declared. Even when a disaster is declared, government assistance is provided as a loan that you must pay back with interest. Flood insurance, however, will cover damages even if a disaster is not declared.

  • Your belongings
  • Property damage
  • Damage to someone else’s property
  • Personal liability if there are medical bills and legal expenses if someone is hurt at your home
  • Living expenses incurred if you temporarily vacate your condo as a result of a covered loss

Yes, if you are moving your policy will protect your belongings for 30 days from the day you start the move, including if your items are in storage.

Just like any other type of insurance you might have, the cost of not having identity theft insurance far exceeds the cost of your premium.

The potential monetary loss, legal fees, and stress caused by your identity being stolen can impact your life and stability in a significant way. In a time when personal information is so vulnerable, it makes sense to set yourself up with protection for the worst-case scenario.

  • Check your credit report twice a year. Be sure not to skim it, or you could miss something.
  • Sign up with a credit monitoring service that will alert you to new or strange activity.
  • Periodically check personal record, such as your DMV file.
  • Clothing
  • Electronics
  • Furniture
  • Jewelry
  • Damage from accidents
  • Temporary living expenses.

Yes! No matter where you are, your personal property is covered. Renters insurance is protection that goes with you.

  • In your car. Even though you hid your tablet and camera under the seat, both are stolen.
  • On vacation. Sprinklers go off in your hotel room ruining your laptop.
  • On the go. Moving? Your policy will protect your belongings 30 days from the day you start the move.
  • Additional liability (over the limits of your vehicle and home policies)
  • $1 million in coverage, with higher limits available
  • Coverage for those in your household
  • Worldwide protection

Umbrella insurance is right for anyone looking to protect their personal and financial well-being. A slip and fall on your property, a bad car accident, or even a defamation lawsuit are all things that can jeopardize your assets.

  • Umbrella coverage can protect you in the following scenarios:
  • Malicious prosecution
  • Libel or slander
  • False arrest
  • Violation of privacy
  • Wrongful eviction

Generally, damage to your own personal property is not covered under a personal umbrella policy. Other examples of coverage not included in a typical umbrella policy are:

  • Business losses. Damage to your business property or losses related to the running of your business generally would not be covered by a personal umbrella policy. This exclusion applies even if your business is operated out of your home. Consider purchasing business insurance if you need this type of coverage.
  • Intentional acts. A personal umbrella policy isn’t designed to protect you from liability connected with your own intentionally harmful behavior; for example, if you intentionally harm a visitor to your home.

Umbrella policies are typically very affordable and can be a great way to help protect yourself against the potentially devastating costs of major claims that exceed the limits of your primary home and auto policies.

Homeowners’ insurance may provide limited coverage amounts for lost jewelry or valuable items based on the type of item and cause of loss. Valuable items coverage may provide the protection you need for your valuable possessions in the event of covered loss from, for example, theft or fire.

What Our Clients Are Saying…

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