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State Directory- Auto InsuranceAre you looking for auto insurance? Please fill out the form below so we can contact you personally to answer questions and discuss solutions. At Combined Insurance Agencies we understand that each person has different needs when it comes to insurance. We are here to help you on your journey!
- Boat InsuranceWhether you own a powerboat, sailboat, or personal watercraft, we offer a wide range of insurance for physical damage and liability protection.
- RV Insurance
- Home InsuranceAre you looking for home insurance? Please fill out the form below so we can contact you personally to answer questions and discuss solutions. At Combined Insurance Agencies we understand that each person has different needs when it comes to insurance. We are here to help you on your journey!
- Life InsuranceLife Insurance. Life insurance provides important financial support for loved ones when you are gone, and it provides peace of mind knowing they can carry on. The many kinds of life insurance can generally be classified into two categories: term or permanent. When choosing life insurance, there is no choice that fits every situation. That’s why we want to understand your needs, whether you are providing for your beneficiaries’ income, education, shelter, debt relief, estate protection, or something else. Our professionals will help you determine which solution is right for you.
- Health InsuranceMedical Insurance. Serious injury or illness can happen any time. Medical cost can be very high; in fact, they are the leading cause of personal bankruptcy. To protect you and your family’s well-being, we can help you find the best coverage for your situation. We stay informed on coverage details with a number of insurance companies and we stay abreast of legislation surrounding Health Care Reform. We will communicate with you in layman’s terms so you can understand your coverage alternatives.
- Disability InsuranceDisability Insurance. If you become disabled due to illness or injury and are unable to work, who will provide for you and your family? With disability insurance you can guarantee an income to meet your monthly expenses. Policies can be tailored to meet the needs and risks of different occupations.
- Long Term CareLong Term Care Insurance. The average cost of nursing home care is $6,700 per month and the average stay is more than three years. Long term care insurance can help provide professional care in an excellent facility.
- Dental InsuranceAfter years of trying numerous insurance and brokerage firms in Berrien County, we were able to settle on a firm which can provide the family with insurance coverage including: home, auto, umbrella, medical and dental insurance. CIA’s staff has always been helpful and courteous to respond to any issue we had, and helped us in finding the most suitable insurance coverage. Keep up your dependable service!
- Business InsurancePretty simple. CIA has been my agent for over 27 years. With the bundling of my personal insurance and business insurance we have saved thousands of $$$$. Put into perspective, their personal service is without flaw. Bruce, my agent, and Michelle are very comfortable to talk to and always very astute to my needs. In 27 years I have never had one claim denied. Thank you CIA,for making my life comfortable and stress free.
- Commercial Property InsuranceCommercial Property. Commercial Property insurance pays for repair or replacement of buildings, contents, and equipment damaged by fire, windstorm, hail, vandalism, theft, water damage and more.
- Workers Compensation InsuranceWorkers Compensation. Michigan law requires employers to carry workers compensation insurance for their employees. The insurance pays medical bills and loss of wages for a work related injury or illness.
- Commercial Liability InsuranceCommercial Umbrella Liability. A Commercial Umbrella Liability policy provides an added level of liability insurance above your base policy. Commercial umbrella policies are commonly issued with added liability coverage of $1 million to $10 million.
- Professional Liability InsuranceProfessional Liability. Professional Liability insurance, also known as “Errors and Omissions” (E&O) insurance provides liability insurance for claims of professional negligence.
- Liability InsuranceA personal umbrella policy provides an additional $1 Million or more of liability protection for bodily injury, property damage, and personal injury lawsuits. The insurance policy also includes legal fees for your defense. An umbrella policy is designed as additional protection for people who have significant personal assets or an active life style. Common areas of concern can include the added risk of young drivers, swimming pools, boat and recreational vehicle ownership, and volunteer participation in community and civic groups.
- Flood InsuranceLosses due to flooding are not covered by a homeowner’s insurance policy. If you live in a known or potential flood plain, we can offer coverage for your home or rental dwelling through the National Flood Insurance Program with Auto Owners Insurance Company.