Personal Lines Insurance

Personal Lines Insurance

Kleinschmidt offers a complete line of insurance products for families and individuals.

We pride ourselves on our customer service and the ability to develop a package that fits your needs.

Auto insurance in Michigan is more complex than most states. Our agents can help you by educating you about your policy and then shopping with multiple companies to ensure you get the best rate!

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance covers both damage to your property and your legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by pets.

Did you know that your landlord’s insurance policy does not cover your belongings?

Renters insurance is very low cost and provides protection on all of the tenant’s personal property for a determined amount. The coverage is written on a named peril form, and replacement cost endorsement is usually purchased. It also provides protection against any bodily injury or property damage that takes place do to a tenant negligent act.

A condo owner is typically responsible for the inside of the condominium. Conversely, the association is typically responsible for the framing, electrical in the walls, plumbing in the walls, heating/cooling duct work in the walls, window/door wall frames, exterior doors, and other construction issues.

Check with your association’s by-laws for details on what their policy covers.

An umbrella policy will protect your personal assets from bodily injury and property damage lawsuits. This covers over and above your liability limits for your home, auto, recreational and watercraft policies. The umbrella fills the gaps in coverage once the liability on your primary policy is exhausted. The umbrella also provides payment for legal defense costs for lawsuits brought against you.

Finding high-quality life insurance coverage for your loved ones should be simple, straightforward and convenient. Kleinschmidt is an appointed agent for numerous highly rated life insurance companies to provide our customers a range of products at affordable rates.

If you are self-employed, a small business owner, on COBRA, or simply want better insurance we can meet your needs. Kleinschmidt representatives have the experience and resources it takes to determine which insurance company will best suit your needs and budget. We represent all of the major carriers including Blue Cross Blue Shield, Humana, Aetna, John Hancock, Metlife and many others. You will receive personal service from trained and knowledgeable professionals.

Let’s start building your future with us.

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