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:
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:
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:
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.
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
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.
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.
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.
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.
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.
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
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.
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.
Elite Insurance Agency