Personal Insurance Department 

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City Insurance Agency has a large range of insurance carriers available to quote your personal insurance needs. Because of the many companies, we are not only able to find very competitive rates for you, we are able to insure just about every situation, or type of risk. Call us for a quote, or complete the attached questionnaire and one of our insurance professionals will get back to you very quickly with a quote.

Auto Insurance "Urban Legends"

No Fault Insurance.

The concept of “No Fault Insurance” is one of the most misunderstood in the insurance industry. Many people assume that the insurance companies do not assign fault to claims when they are paid. This is untrue. Each and every claim is deemed to be an at-fault claim or not at fault claim.

An even more prevalent misunderstanding is that a person can file a claim against the person who is at-fault in the accident. With the Michigan No-Fault Laws, you are only able to collect a maximum of $500.00 from the at-fault party, regardless of the extent of the damage he/she did to your vehicle. If you are carrying full coverage on your vehicle through your own insurance company, they will repair your vehicle. If you are only carrying the PLPD (Liability Only) coverage on your vehicle, you will only be able to collect $500.00 from the at-fault party.

Home Insurance “Urban Legend”

Vehicles stored in the garage are covered if the home burns even if the vehicle is not listed on the policy.

Many people assume that their recreational vehicles and assorted “toys” are insured automatically under the home insurance policy even when they are not listed on the policy. However, the standard home policy will specifically exclude motorized vehicles except those used to maintain the property like a lawn mower. In order to receive coverage for those vehicles, they must be listed on the homeowner’s policy.

SUPERIOR SERVICE

Our professional staff will work with you in providing an insurance program that will meet your needs.  We offer competitive prices and superior services to our clients.

• Analysis of your insurance needs.

• We create a responsible protection program for you.

• We will help you select the best company which suits you.

• We will move quickly to get fair and prompt settlement of claims.

PERSONAL INSURANCE PRODUCTS

• Automobile

• Homeowner

• Boat

• Recreation Vehicles

• Health

• Life

• Disability

• Financial Planning

• Long Term Care

• Nursing Home (Asset Protection)

HONESTY AND INTEGRITY

While providing insurance coverage to thousands of clients, we take great pride in conveying honesty and integrity in the insurance process.  We are knowledgeable in many areas of insurance and financial services, which enables us to help our clients protect their future.

INDEPENDENT AGENCY

As an independent insurance agency, we have easy access to the products and services of many insurance companies.  This gives us the ability to obtain the best products available for whatever insurance coverage is needed.

For any questions please contact:

Renee Sleeman
Personal Insurance Supervisor
rsleeman@cityins.com