Michigan families depend on reliable insurance — and not just for peace of mind. The right home and auto coverage protects your savings, your property, and the life you’ve worked hard to build. At Logan Insurance Group, we make that protection simple, honest, and fast.

As a Michigan-based independent insurance agency, we serve homeowners and drivers across the entire state — from Lansing to Grand Rapids to the Upper Peninsula — with personalized policies that fit your life and budget.

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Michigan Home Insurance: What It Really Needs to Cover

Homes in Michigan face a wide range of risks:

• Heavy winter storms
• Wind & hail damage
• Ice dams
• Basement flooding
• Power outages
• Frozen pipes
• Theft and property loss

Your home insurance should reflect Michigan’s reality — not a generic national template.

Key Protections Every Michigan Homeowner Should Have

Dwelling Coverage

Covers the cost to rebuild your home if it’s damaged by a covered loss. Michigan homes vary widely in construction types — we make sure your dwelling limit reflects real rebuild costs in your area.

Personal Property

Protects belongings like furniture, electronics, clothing, and valuables. We help you choose replacement-cost coverage so items are replaced new, not depreciated.

Personal Liability

Covers lawsuits if someone is injured in your home or on your property.

Water Backup Coverage

Essential in Michigan due to basement drainage issues and aging sewer systems.

Roof Replacement Cost

Important for homes facing frequent freeze/thaw cycles and hailstorms.

Equipment Breakdown Coverage

Protects appliances, HVAC systems, and electrical systems not covered under standard policies.

Michigan-Specific Endorsements

We also help homeowners secure endorsements based on local need, such as:

• Service line coverage
• Ice dam protection
• Increased ordinance & law coverage
• Identity theft restoration

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Michigan Auto Insurance: Built for Michigan Roads

Michigan’s auto insurance laws are different from other states — and you need coverage designed for Michigan’s unique requirements.

Core Auto Insurance Coverages

Personal Injury Protection (PIP)

Michigan is a no-fault state. PIP covers medical costs after an accident, regardless of who caused it. We help you choose a limit that matches your health insurance and financial needs.

Liability Coverage

Protects you if you’re responsible for an accident. We recommend strong liability limits to protect your assets.

Collision & Comprehensive

Covers damage from:

• Accidents
• Deer strikes
• Falling objects
• Storms
• Theft

Comprehensive claims are especially common in Michigan, especially during winter weather and high-deer-activity seasons.

Uninsured / Underinsured Motorist

Critical protection as Michigan continues to see uninsured drivers on the road.

Roadside Assistance

Helpful during harsh Michigan winters.

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Home & Auto Bundles for Michigan Families

Bundling home and auto insurance offers:

• Lower premiums
• Simplified billing
• One point of contact
• Stronger overall protection

As an independent agency, we shop multiple carriers to help you find the best bundle for your needs.

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Why Michigan Residents Choose Logan Insurance Group

Fast Answers When You Need Them

Whether you're comparing quotes, filing a claim, or making updates, we respond quickly — because insurance shouldn’t slow you down.

Michigan-First Knowledge

We understand the weather, roads, risks, and local insurance rules because we live here too.

Independent & Transparent

We don’t push one insurance company. We shop around and explain your options clearly.

Welcoming, Professional Support

Our approach is direct, friendly, and completely pressure-free.

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Protect Your Home. Protect Your Car. Protect Your Life.

Insurance should make your life easier — not complicated. Whether you’re buying your first home, moving across Michigan, updating your auto policy, or simply looking for a better experience, we’re here to help.

Let’s talk about your home and auto options.
Logan Insurance Group — Michigan protection made simple.