Personal Insurance

Elite Insurance's personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

How we serve you is as important as what we provide. First, we listen to you... we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.

Elite Insurance provides the following types of personal insurance protection:

Auto (Personal)

If you own a car that you want to register and operate in Michigan, the law requires that the car be insured. The law spells out the minimum amounts of coverage required and sets up a “No-Fault” system for providing benefits.

But – and this could be important to you – what the law requires doesn’t cover every possible loss connected with car ownership. You can protect yourself against these additional exposures, but you need to consult with your Elite Insurance agent to be sure you have the coverage you need.

Coverage You MUST Buy

Personal Injury Protection: For you and for any relatives living in your household if you are hurt in an automobile accident:

• Unlimited medical and rehabilitation costs.
• Replacement income (within limits) up to three years.
• Up to $20 per day for needed substitute services.
• In case of death, funeral expense (limited) and survivor’s benefits equal to three years of replacement income (with limits).

Property Protection: For up to $1 million of property damage caused by your car in Michigan. This includes direct and indirect damage.

Residual Liability Insurance: For defense and any court-awarded damages (up to amounts set in your policy) if you are sued in connection with a car accident. This can be because of:

• Bodily injury which occurs in another state, or under certain circumstance, in Michigan.
• Property damage done in another state.

Be Sure You Understand

If you buy only the car insurance required by Michigan law, be sure you understand what is not covered. Because you, rather than your minimum required “No-Fault” insurance will pay for the following losses plus several more.

• Any court-awarded damages above the mandatory residual liability limits.
• Up to $500 for uninsured damage done to someone else’s car when you’re “substantially at fault” in a moving collision.
• Repairing your car after an accident.
• Replacing your care if it’s stolen.

Auto Insurance Quote

Boat / Marine

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometime called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Boat / Marine Insurance Quote

Condo

Condo insurance provides coverage for your unit where your condominium associations insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your associations insurance probably will not cover.

Every associations insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condo by-laws carefully. 

Condo Insurance Quote

Flood

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

FEMA's maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Flood Insurance Quote

Homeowners

If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner's policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.

Homeowners Insurance Quote

Motorcycles

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance.

Motorcycle insurance is a way of sharing the risks of driving between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.

Motorcycle Insurance Quote

Motor Home / RV

As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

Motor Home / RV Insurance Quote

Personal Umbrella

You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.

Personal Umbrella Insurance Quote

Personal Watercraft

Personal watercraft, such as jet skis and wave runners are often our customer's first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. Elite Insurance has specific policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft. 

Personal Watercraft Insurance Quote

Renters

As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.

Renters Insurance Quote