Claims – 800-922-4050
We are a property and casualty insurance company that provides full lines of personal and commercial insurance through independent agencies in the State of Michigan. We are a member company of the Donegal Insurance Group, which operates across multiple regions of the United States.
We understand the importance of protecting your home and auto, which are among the most valuable properties you own. Our products include:
Bodily Injury Liability provides coverage for your legal responsibilities if an accident injures other drivers, pedestrians and/or passengers. It also covers legal defense costs associated with these claims.
Property Damage Liability coverage provides protection for accidents that damage the property of others. It also covers legal defense costs associated with these claims.
Personal Injury Protection (PIP) provides coverage for Bodily Injury to you and your resident family members. It provides coverage for medical expenses, funeral expenses, work loss benefits and survivor loss benefits.
Uninsured and/or Underinsured Motorist coverages protect you and your family from the cost of an injury in an accident caused by an uninsured or under-insured motorist.
We offer optional coverages in our Automobile policies such as: Collision coverage, to cover repair costs from damage caused by an impact with another vehicle or object or the upset of your vehicle. Other Than Collision (Comprehensive) coverage, for fire, theft, vandalism, glass breakage and other perils
Towing and Labor coverage, in the event your car is disabled. Rental Reimbursement coverage, to pay for a rental car following a covered loss to your car.
Other attractive features of our Automobile Insurance policies are: Automobile Choice Endorsement (ACE) – Loss Experience Credit – Family Vehicle – Credit – Good Student Discounts – Defensive Driver Credit – Hybrid Car Credit – Death Indemnity Endorsement.
Our Homeowners Insurance policies provide protection for your home, plus: Garages and other buildings on your property. Household and personal possessions on your property, or anywhere in the world. Additional living expenses, if you are unable to live in your home because of a covered loss. Personal liability coverage for your legal responsibilities when an accident causes injury to others, on your property and elsewhere. Medical payments, paid to others who are accidentally injured on your property.
Our Homeowners policies give you flexibility by offering you many coverage options. For example, you can choose: Extended Limits Coverage, for additional coverage toward the cost of replacing your home after a loss, in addition to the policy limit for your home. Replacement Cost Coverage for the contents of your home, so in the event of a loss, no deduction would be made for depreciation on your personal property. Higher limits on personal computers and valuables such as jewelry, furs, cameras and silverware. Identity Fraud Expense Coverage.
Also, you can save money on your Homeowners policy if you’ve installed safety and security devices such as smoke detectors or burglar alarms. Save more by choosing a higher deductible and/or by renewing your policy from year to year, taking advantage of our renewal discounts.
Finally, be sure to read about our Account Credit Plan. It offers significant savings if you have both your Homeowners and Automobile insurance policies with Donegal Insurance Group.
In addition to the Homeowners product described above, we also offer Condominium, Mobilehome and Renters policies.
Hagerty also features classic boat and truck insurance. Contact an America’s Choice Insurance Partner Agent for more details.