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Personal Insurance

Auto | Homeowner | Renters | More

Rathbun Insurance is a local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your budget.

Our professional agents will get to know your unique insurance needs and offer solutions for everything you have to insure. Learn more about our insurance products below.

You have a lot of choices when it comes to how and where you buy your Michigan car insurance. Choosing an independent insurance agent like Rathbun Insurance ensures you still have choices, but also have a trusted advisor that you can depend on to help you find the policy that best fits your needs.

Rathbun Insurance works with a wide range of insurance companies that offer reliable Michigan car insurance. Contact us today to find out how we can help you.

Homeowner

Wherever it is that you call home, whether a sprawling estate in the country, a quiet suburban house, or a bustling downtown condo, Rathbun Insurance can help you find the right Michigan home insurance policy that fits your needs.

Whether you are buying your first home, relocating to the area, or simply reviewing your home insurance, Rathbun Insurance is here for you. We specialize in making it easy to choose insurance policy options that work for you. Contact us today to find out what we can offer you.

Whether you’re shopping for your college student, just starting out yourself, between houses, relocating, or simply downsizing, Rathbun Insurance can help you pick the Michigan renters insurance policy that best fits your needs.

We partner with reputable insurance companies to ensure a wide range of choices to meet your unique needs. Be sure to ask us about discounts for apartments with security systems and customers who insure their cars with the same company as their renters insurance policy.

Boat

Your time out on the water should be relaxing and fun (and safe!). Be sure your watercraft and equipment is properly insured. Rathbun Insurance offers customized policies that meet your needs and your budget. Our partnership with multiple insurance companies allows us to find just the right coverage for you.

Whether you've bought your first boat, expanded your fleet to include a couple of JetSkis, or are simply reviewing your options, Rathbun Insurance can help with your Michigan boat insurance needs. Contact us today to find out how we can help you.

If you're shopping for insurance for your first motorcycle, you have a lot of coverage options to consider. Rathbun Insurance can help you look at all the choices, and put together a motorcycle insurance policy that works for you and your budget.

If you're looking to insure your newly upgraded ride, or simply reviewing your policy (always a smart idea!), we're happy to help you explore all of your Michigan motorcycle insurance options.

Let Rathbun Insurance review your needs and make a recommendation for a policy that fits your unique needs. Contact us today to learn more.

Condo

While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you've added to the unit, Rathbun Insurance can help you ensure that you're insured.

Rathbun Insurance partners with many insurance companies that offer complete Michigan condo insurance. Contact us today to find out how we can help you.

As a rental property owner, you're no stranger to the challenges that come with being a landlord. No two rental properties are the same, and the insurance coverage needed for your real estate investments is just as unique. While you don't need to worry about insuring the personal possessions of your tenant, there's a whole host of other coverages to consider, from liability coverage for legal fees to workers compensation for your maintenance or administrative employees.

Rathbun Insurance works with insurance companies that offer insurance packages specifically for Michigan landlords. Contact us today to find out more.

Flood

It's an oddity that flooding is the most common natural disaster in the United States, yet it's not covered under a standard home insurance policy. While not every home is at high risk for flooding, it's important to understand how risk is identified and whether flood insurance is something you should consider.

Rathbun Insurance insures homes of all kinds. Some homeowners definitely need flood insurance, while others don't live in a high-risk area and can get by without it. Let us evaluate your needs and help you decide if flood insurance is advisable. Contact us today to learn more.

Home and auto insurance policies have limits to how much will be covered. If faced with paying claims that are beyond what your insurance policy covers, an umbrella policy kicks in and provides you with additional protection.

Whether you're a homeowner or drive a car, motorcycle, boat, RV or ATV, an umbrella policy should be considered.

Rathbun Insurance works with many insurance companies who offer affordable umbrella policies. Contact us today to find out how we can help you.

Earthquake

90% of Americans live in areas considered seismically active, but most homeowner, condo, and renters insurance policies don't cover earthquake damage. The limits of what your policy covers can be confusing, but our professional agents have the expertise to help you decide if you should consider earthquake insurance.

Rathbun Insurance works with many insurance companies that offer additional Michigan earthquake insurance. You may even be able to obtain a policy from the same company who insures your home. Contact us today to find out more.

From ATVs to golf carts to snowmobiles - whatever you drive for some off-road fun, we can help you insure it.

Rathbun Insurance works with many insurance companies that offer a range of discounts that you may qualify for.

We take pride in offering professional customer service for all our Michigan customers. We're committed to offering choices for all insurance needs and budgets. Contact us today to find out more.

Wedding

Planning a wedding is incredibly exciting (if not somewhat overwhelming). From selecting the right invitations to configuring seating arrangements to booking the honeymoon, it’s no wonder couples tend to get stressed while getting ready for the big day.

Disasters can strike even the most well-planned weddings. Consider wedding insurance – the greatest wedding gift you can give yourself. Wedding and event insurance isn’t only affordable; it’s also the best way to make sure you’re protected if a vendor no-shows, gifts get stolen or an unexpected health problem forces you to postpone.

We also offer: 401k Rollovers and 529 College Savings Plans.