Michigan Personal Insurance

At GBK Insurance, we provide specialized coverage for all of your personal insurance needs. Coverage is available for each of the following:

  • Automobile Insurance

With protection coverage for personal vehicles, business use vehicles, or classic vehicles, we will familiarize you with which types of coverage are required, and which are optional. The state of Michigan requires all vehicles be insured before registration can take place. Obtain a free online auto quote here.

  • Homeowners Insurance

Also referred to as Hazards Insurance, Homeowners Insurance policies provide personal insurance protection for loss of home, personal belongings of the homeowner, as well as liability protection for an accident that may take place in ones home. The cost of homeowners insurance is commonly determined by the value of the home. Get a free online Homeowners insurance quote here.

View list of available coverage based on eligibility.

  • Renters Insurance

Many renters are under the impression that it is the homeowners or landlords responsibility to provide insurance to cover all property inside and outside of the home, but that is not the case. In most cases, the landlord’s insurance only covers structural damage to the home. In the instance of a building fire, the landlord’s coverage would cover structure repairs but not your personal possessions inside it. Renters Insurance could cover;

  • Fire
  • Theft
  • Smoke
  • Windstorms
  • Vandalism
  • Lighting
  • Temporary housing
  •  Condominium Insurance

Many condominium associations have insurance, protecting their condominium buildings.  The insurance policies in which condominium associations have are not designed to cover you or your belongings. Obtaining Condominium Insurance will cover your needs, such as water damage, break-ins, or if someone were to get hurt in your condo. Where an association’s insurance policy and what they pay for covers the outside of your unit, Condominium Insurance that a condo owner pays for will cover from the walls to everything else inside of your Condo. It is easy to obtain a free online quote from GBK Insurance.

  • Mobile Home Insurance

Many homeowners or Mobile homeowners do not realize there is an actual thing called mobile home insurance. Mobile home insurance provides the same coverage’s as of any property insurance.  The difference of traditional home insurance is that mobile home insurance is based on the amount of money it will take to rebuild the same home. Since mobile homes are typically less expensive to build than a wood or concrete home it allows mobile home insurance to be drastically cheaper than traditional home properties. Let our experts at GBK Insurance explain to you the difference and how we can you a great insurance rate on your mobile home today.

  • Classic Automobile Insurance

Classic Automobile insurance coverage is different that just any auto insurance. It’s more than just an automobile to you, it’s your prize possession whether you rebuilt it yourself or bought a perfectly restored classic automobile. Classic Automobiles are any vehicle ten years old or more, that is rare or special because of limited production or customized fine workmanship. Usually a automobile that is 25 years old or more is considered a antique automobile and can be covered under this insurance as well. We know classic cars are not ordinary vehicles, they can’t just go to any repair shop and they need different coverage than just any automobile. Confide in our experts to go over your classic automobile coverage options.

  • Motorcycle/Snowmobile/ATV Insurance

This is an insurance that is often misunderstood. Motorcycle/Snowmobile/ATV Insurance,

is not covered under normal auto insurance or your homeowners insurance to cover the full benefits you should have on them. We can build your insurance policy to what fits your different type of bikes needs, whether it’s a motorcycle and you want bodily injury and comprehensive and collision coverage. Or if it is a Snowmobile and you want to add Property Damage coverage and passenger liability coverage. Same with ATV coverage we can work with you on whatever power sports bike you may have and get the right coverage for you.

  • Watercraft

These are things that could or could not be covered but are often over looked when owning a boat and your boaters insurance coverage;

  • Towing coverage
  • Wreck removal
  • Debris damage to another boat
  • Marine insurance coverage
  • Roadside assistance
  • Bodily injury your watercraft inflicts on others
  • Theft

Whether you want a specific coverage like personal watercraft insurance, jet boat insurance, fishing boat insurance, house boat insurance or sailboat insurance, there are many factors with boaters and different watercraft insurances. Get a quote online or call us today to see what we can get your watercraft insured under.

  • Umbrella Insurance Coverage

Many consumers are not aware of this coverage; Umbrella Insurance Coverage is Extra Liability Insurance. This insurance protects you from major claims and lawsuits to help protect your assets and your future. It provides coverage and protection of liabilities that are excluded from other policies and it does so in two ways;

  1. Provides coverage in false arrest, libel, slander and liability coverage on rental units owned.
  2. Provides additional coverage of your homeowners, auto and boat insurance policies.

This coverage is designed to be used when the liability in the other policies have been exhausted. Meaning if your homeowners or boaters insurance only paid $200,000 of your $300,00 home or damages than Umbrella Insurance coverage would cover the remaining $100,000 of the damage. Umbrella Insurance could cover;

  • Owners of Rental Units
  • Property Damage Liability
  • Bodily Injury Liability
  • Malicious prosecution
  • Slander
  • Libel
  • False arrest
  • Shock and mental anguish

Contact us to see if you qualify for an Umbrella Insurance Policy and if it is right for you. Our experts can answer any question you have regarding this policy and give you a free quote.

  • Flood Insurance

Some new homeowners do not realize floods are not covered under their homeowner’s insurance policies. Just an inch of water can cause costly damage to your property. A car can easily be carried away from two feet of water; this is not covered by your car insurance. Hurricanes, snowmelts and winter storms can cause floods and are likely to be overlooked. In a high-risk area, your home is more likely to be damaged by a flood than by fire. Even homes on top of mountains can get floods and cause damage. All these things are often overlooked by homeowners and when looking for insurance coverage. See where your community stands on the National Flood Insurance Program and contact us today on your eligibility.

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