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Personal Property
Coverage for most of your belongings will be included in a homeowners policy. However, many items should be scheduled individually on the policy to ensure broader coverage. Items like musical instruments, jewelry, cameras, collectables, guns and much more are covered for more perils when scheduled individually. We can provide you with a policy to protect almost everything that has importance to you!
Auto, Motorcycle, Recreational Vehicle, & Watercraft
Michigan is a "No-fault" auto insurance state. In addition to standard liability coverage, all drivers must carry Personal Injury Protection, and Property Protection Insurance (PIP & PPI). PIP covers auto accident related medical costs, along with lost wages up to a maximum amount for up to three years. PPI coverage will pay up to $1 million for damages caused to other peoples property.
Improved rates are available for drivers with clean records. There are more than six million car accidents each year in the United States so the right coverage is important. Physical damage coverage is available for most vehicles.
Motorcycle
The Dan Charles Agency can provide motorcycle coverage that most riders will find encouraging. With us you have the opportunity to choose what kind of coverage your bike needs. We have the ability to provide you with options suitable for you and your wallet. Options consist of Property Damage Liability, Medical Payments, Physical Damage, Roadside Assistance, Bodily Injury and more.
Recreational Vehicle
We can provider coverage for
* Snowmobiles
* 4 Wheelers/Quads
* Golf Carts
* RV's
* Much more
Watercraft
Your watercraft can be scheduled to the home if it meets certain eligibility requirements, but doesn't always include the special coverage needed. The Dan Charles Agency can provide coverage for all kinds of watercraft, and offer options like physical damage coverage, on-water towing, liability, and much more.
Improved rates are available for drivers with clean records. There are more than six million car accidents each year in the United States so the right coverage is important. Physical damage coverage is available for most vehicles.
Motorcycle
The Dan Charles Agency can provide motorcycle coverage that most riders will find encouraging. With us you have the opportunity to choose what kind of coverage your bike needs. We have the ability to provide you with options suitable for you and your wallet. Options consist of Property Damage Liability, Medical Payments, Physical Damage, Roadside Assistance, Bodily Injury and more.
Recreational Vehicle
We can provider coverage for
* Snowmobiles
* 4 Wheelers/Quads
* Golf Carts
* RV's
* Much more
Watercraft
Your watercraft can be scheduled to the home if it meets certain eligibility requirements, but doesn't always include the special coverage needed. The Dan Charles Agency can provide coverage for all kinds of watercraft, and offer options like physical damage coverage, on-water towing, liability, and much more.
Personal Umbrella
A personal umbrella policy is an extension of liability coverage. Its purpose is to protect your personal assets from bodily injury or property-damage lawsuits. An umbrella policy can be very beneficial for people with swimming pools, trampolines, young drivers, athletes, recreational vehicle owners, owners of rental property, and much more. Protection extends not only to the named insured but also to their spouse and resident relatives. The Dan Charles Agency can provide you with a personal umbrella policy to fit your budget and needs.
Homeowners
The Dan Charles Agency understands the magnitude of protecting your home and your belongings. We will work to provide you with exceptional homeowners insurance for your best value.
* Discounts Are Available For:
* Burglar Alarm
* Smoke Detectors
* New Home
* Auto & Homeowners Package(multi-policy discounts)
* Dead Bolt Locks
* Fire Extinguishers
* Motion Detectors
* Group Discounts
* Loss Free Discounts
* And Many More
Renters
If you are currently living in rental property without renters insurance your personal belongings are at risk. A renter's insurance policy is a low cost plan that will cover all of your personal property. Our plan will protect you against theft, fire and much more.