Insurance Agency in Howell, Michigan

Insurance Coverages that We Offer in Howell, MI

We provide a wide range of insurance coverage options, including various types of motor vehicle and renter’s insurance in Howell, MI. Here's a detailed breakdown of the coverage we offer. 

Auto Insurance

Whenever you are driving your car on the streets there is always a chance of running into an accident. It could either be a collision with another vehicle, or you could crash into another object. Regardless of how the accident happens the outcome can lead to significant liability compensation, medical bills, and repair costs. Depending on the severity of the accident these expenses can mount up to a hefty amount. As accidents are common in Howell, MI, the risks of getting into an accident are even higher. On top of that there’s always a risk of theft, vandalism and vehicle damage due to natural disasters like storms, hurricanes and floods. So, to keep yourself financially secure, you should consider getting adequate auto insurance. Here in Howell, MI we offer cheap car insurance coverage which includes liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured coverage, medical coverage and more. 

Motorcycle Insurance

When it comes to scaling the risks of vehicles, motorcycles happen to be the riskiest of all, especially due to the lack of protective barriers unlike cars and other types of vehicles. This makes motorcycles more prone to dangerous and even fatal accidents. Given that road accidents are common in Howell, MI, it is essential for you to have motorcycle insurance to cover medical costs, repair expenses and liability compensations. As motorcycles are lightweight, and easy to move around, they’re often the target of theft. Considering all the financial risks associated with owning and riding a motorcycle, it is incredibly important to ensure that your motorcycle is adequately insured. We offer cheap motorcycle insurance coverage in Howell MI that you should explore which includes liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured coverage, medical coverage and more. 

RV and Motorhome Insurance

Owning an RV or motorhome offers the freedom to explore the open road, but it also comes with significant financial risks. Whether you're taking a short trip or going on a long journey, accidents, breakdowns, and unexpected events can lead to costly repairs, medical bills, and liability expenses. Given the size and nature of RVs, accidents can result in extensive damage, not only to your vehicle but also to other property and individuals. In Howell, MI, where road travel is common, additional risks such as theft, vandalism, and weather-related damage from storms and floods further emphasize the need for proper coverage. Protecting your investment with RV and motorhome insurance is essential to avoid financial burdens. We offer cheap RV and motorhome insurance coverage in Howell, MI, which includes liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal belongings coverage, and more.

 Renter’s Insurance

Renting a home or apartment in Howell, MI, comes with its own set of risks, from unexpected accidents to theft and natural disasters. While your landlord's insurance covers the building itself, it does not protect your personal belongings or provide liability coverage in case of accidents within your rented space. Without renter’s insurance, you could face significant financial losses due to fire, water damage, vandalism, or even theft of valuable possessions. Renter's insurance not only helps replace or repair your belongings but also provides liability coverage if someone is injured while visiting your rental property. Additionally, it can cover temporary living expenses if your home becomes uninhabitable due to covered events. We offer affordable renter’s insurance coverage in Howell, MI, which includes personal property coverage, liability coverage, additional living expenses coverage, and more to ensure you are fully protected. 

Boat & Watercraft Insurance

Whether you keep your boat/watercraft stored in the garage or use it for occasional water voyages, it is prone to damage either way. Repairing a boat or watercraft can be quite expensive. The average cost of repairing a boat is about 10% of its purchase price, but that can vary depending on the size, availability of parts and the extent of repairs required. Cruising a boat or watercraft comes with substantial risks of damage, and injuries too. While you are cruising the boat/watercraft can hit submerged rocks, boulders and even collide with another boat, or objects. Plus, the boat’s propellers can get damaged by entangling floating fishing nets underwater. Moreover, shifts in water currents due to unexpected changes in weather can lead to dangerous accidents. These accidents can incur a huge cost, so to ensure your financial protection we offer cheap boat and watercraft insurance coverage in Howell, MI that includes liability, collision, comprehensive coverage, medical payments, and more.   

Commercial Auto Insurance

If you use vehicles for business purposes in Howell, MI, having commercial auto insurance is essential to protect your business from financial risks. Whether you own a single company vehicle or manage an entire fleet, accidents, theft, and unexpected damages can result in costly repairs, liability claims, and potential business interruptions. Commercial auto insurance provides protection for a variety of business-related risks, including accidents involving employees, damage to company-owned vehicles, and liability claims arising from property damage or bodily injury. Additionally, it can cover medical expenses, legal fees, and even lost income due to vehicle downtime. We offer affordable commercial auto insurance in Howell, MI, with coverage options such as liability, collision, comprehensive, uninsured/underinsured motorist, and more to ensure your business stays protected on the road. 

4 Reasons to Get Insured in Howell, MI

Here are 4 key reasons why it's crucial to stay insured in Howell, MI.

• Legal Requirement: In Howell, MI, having valid insurance is a legal obligation for anyone who owns or drives a vehicle. Driving without insurance can result in severe penalties, including fines of up to $500, potential jail time of up to one year, and suspension of your driver's license.
• Protection from Accidents: With road accidents being a frequent occurrence in Howell, MI, having the right insurance coverage is vital. Without it, you could face significant out-of-pocket expenses for medical bills and vehicle repairs. Insurance helps cover these costs within the limits of your policy, providing much-needed financial relief.
• Financial Security: Insurance serves as a critical financial safeguard, offering protection against the high costs associated with accidents, legal matters, and liability claims. Without proper coverage, you may find yourself facing substantial financial hardship due to unexpected expenses.
• Natural Disasters: Howell MI is prone to severe weather conditions such as floods, tornadoes and winter storms. These natural disasters can cause substantial damage to your vehicles and rented properties. So, to financially safeguard your assets you should consider getting adequate insurance coverage. 

Why is L.A. Insurance the Right Choice for You in Howell, MI

Over 33 years of proven success in the insurance industry

• 10 million+ satisfied customers across the country
• 200+ regional offices nationwide, including Howell, MI
• Affordable insurance rates designed to fit your budget
• Easy and straightforward insurance registration and claims process
• 24/7 customer support available whenever you need assistance