Auto Insurance:
Auto Insurance is a requirement in order to operate a motor vehicle in the state of Michigan. It is designed to not only protect yourself but also the other driver involved in the event of an accident. Our agents will take the time to explain every aspect of your auto insurance policy to ensure that you fully understand what coverages you have. For your auto insurance, we offer the following options:
- Bodily Injury Liability: Covers injuries caused by the holder of the policy while operating an automobile.
- Medical and Personal Injury Protection: Covers treating the driver and passengers of the policyholder’s car when an accident happens.
- Property Damage Liability: Covers damage caused to someone else’s property while operating an automobile.
- Collision: This insures the policyholder from losses when the policyholder’s car collides with another vehicle or object.
- Comprehensive: This protects the policyholder’s car from losses and damages incurred from incidents other than collisions.
- Uninsured Motorist Coverage: Covers medical treatment of the policyholder’s injuries in the event of a collision with a driver who is uninsured.
Home Insurance:
Home Insurance is designed to protect your home, your family, and your personal property in the event that there is a peril that causes damage to your home. There are many different details to consider when choosing the correct home insurance policy. Our independent agents will be there to guide you so you are confident with the homeowner’s policy you choose.
Some typical coverages include:
- The physical structure of your home
- Replacement Cost
- Personal Possessions
- Living expenses incurred in the event of a covered loss or a natural disaster
Many homeowners need coverage above and beyond the basics. Supplemental policies can add security and peace of mind. Among them are:
- Valuable Articles/Floater policies(i.e. Jewelry Insurance)
- Flood Insurance
- Umbrella Insurance policies for additional liabilities
- Animal Liability-for liability issues due to household pets
Commercial Insurance:
In the world of business, there is no such thing as predictability. That’s why ensuring that you are fully covered when it comes to your business is our priority. Our experienced agents at Woodward Insurance Group can help you build the most effective plan to insure your business. Not only do we prioritize finding the most appropriate insurance plan for your business, we also prioritize finding the most affordable one.
By default, state regulations will determine some basic requirements for insuring your business. Most often commercial insurance and worker’s compensation insurance are mandatory by law or regulations. Business insurance coverage can also include a combination of the following items:
- Commercial Property
- Commercial Auto
- Professional Liability
- Worker’s Compensation
- Group Benefits
- Business Owners Policies(BOP)
- General Liability Insurance
- Errors & Omissions
Other Types of Insurance:
Whether we’re talking life insurance, personal, umbrella or general liability for contractors, the independent agents at Woodward Insurance Group can help determine the best coverages for you. Best of all, we can find those coverages at the right price points to assure you’ll be able to maintain that insurance when you need it most. Contact us today so our agents can assist you in making the best decision when it comes to your insurance needs.