Local roots. Lasting protection.

Reliable Insurance solutions

shaped by the community

we proudly call home

At Islands Insurance Center, we’ve built our reputation on being part of the community we serve. Throughout Michigan, our team provides reliable coverage and neighborly service you can trust.

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Protecting What Matters Most

Whether it’s your car, your home, your business, or your family’s future, we’ll help you find the right coverage with a personal touch. Explore our core insurance services below:

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Auto Insurance


Stay protected on the road with affordable auto insurance designed for Michigan drivers. From Cedarville to the Eastern Upper Peninsula, we’ll keep you covered wherever life takes you.


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Business Insurance


Every business is unique, and so are its risks. From commercial property and auto to workers’ comp and liability, we help Michigan businesses find reliable protection.


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Your Local Insurance Agency in Cedarville, MI

For more than a decade, Islands Insurance Center has been proud to serve Cedarville, the Les Cheneaux Islands, and communities across the Eastern Upper Peninsula. As an independent agency, we partner with top carriers to provide personalized insurance solutions — always backed by neighborly care, quick communication, and a deep commitment to our community.

Meet Our Team
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What Makes Us Different

We collaborate closely with each client to create the right insurance solutions for their unique needs—always practical, always personal.

01

Community-Rooted

We live here, work here, and understand the unique needs of island and rural living.

02

Neighborly Service

Known for quick responses, proactive outreach, and honest communication.

03

Trusted Carriers

Access to Auto-Owners, AAA, Wolverine, and more — so you get the best fit.

04

Full Coverage in One Place

Auto, home, business, health, life, and even pet insurance.

05

Trusted Carriers

66+ five-star Google reviews from happy clients across Michigan.

06

Independent & Flexible

As an independent agency, we work for you — not one company — giving you real options and unbiased advice.

What Clients Say

Camille Hansen

Allyson was excellent and very quick in putting together a new policy for me when I was looking for quotes
Islands Insurance is excellent! They are quick to respond and very very helpful. I changed insurers and they helped me figure out everything that I needed to do. I highly recommend!

Lauren Hamel

Islands Insurance is excellent! They are quick to respond and very very helpful. I changed insurers and they helped me figure out everything that I needed to do. I highly recommend!

Mr Twister

So far so good. Glad to have been able to switch Ins. Companies and get a great price and service. My In-laws used to use Island Ins. and both were very happy with them as I am sure we will be.

Ryan Bowen

Helpful, responsive and provided a product and solution for our rental property needs. Definitely recommend!

Nancy Bailey

Thank you Islands Insurance for your prompt and friendly service!

J Hutch

Islands Insurance is wonderful to work with and does a great job helping you customize your insurance. They spent a lot of time helping me get my policy coverage and premiums to the proper levels. I highly recommend them!

Sean Conroy

I needed insurance for a property in Cedarville. I called Island insurance. They got back to me promptly with an excellent quote. Their service is fantastic. I would gladly recommend them to anyone.

Lydia Kowalski

Islands Insurance is the best! Everyone there is extremely professional and friendly. They are easy to contact and often check up on their clients to make sure their questions are answered.

Donald Fultz

Very friendly, good prices. Knowledgeable people.

Rebecca Ross

After shopping around and getting quotes from multiple companies my realtor finally pointed me in the right direction. Our policy had the most coverage and the cheapest premuim out of everyone- even the large corporations. I highly recommend to EVERYONE looking. The staff is very knowledgeable and responsive- they even reached out to our lender on our behalf to get the ball rolling more quickly. 5 stars!

James White

Fast friendly service!

Bonnie

Cayla R. is truly on her game! She is very quick to respond and to provide her customers with the most affordable prices. She is patient and kind beyond measure! A+

Barbara Brown

Allyson, Kathy, and Kris at Islands Insurance are always knowledgeable, prompt, and professional. Have purchased insurance with them for years and have been very satisfied with their service.

Amy Church

I’ve used Islands Insurance for many years and have always been treated with professionalism and courtesy. They respond quickly and always find an affordable policy

Jennifer Lindberg

Everyone is very efficient and very kind!

Christy Savage

Kathy and her crew helped me get a policy to cover my cabin. Comparing my interactions with other companies and the services they provide, their personal service is way above average. There are no barriers to jump, they answer the phone, they know who you are and they solve your problem. I’m extremely happy.

Betic

This insurance agency really cares for its customers and Cayla is the best!!

Carol Feller

Answered all questions as needed. Very helpful

Curt Vaught

Kathy & Islands Insurance have done a great job on my policies. Excellent customer service. Highly recommended. 👍

Jen Postula

Great personal service! They answered all my questions and found me a great deal on insurance.

Deborah P

Islands insurance in Cedarville Michigan is the only way to ensure a wooden boat. They got quotes from many providers so we could make an informed decision. They worked closely with the marina to determine a value for our newly preserved and restored classic boat. Could not be happier! Highly recommended!

Denis Fox

...it's the personalized insurance service that is so rare anymore

Gary Reid

Ownership & staff always attentive to clients insurance needs. They are both personable and professional.

Gary Wellnitz

My family and I have been insured with Island's Insurance for about 40 years. They are the most amazing group of folks to deal with when you are in need, and even when you are not. It's so nice to call, know the competent person you are talking with , and feel completely assured with every issue when done. I've called numerous times needing immediate help and they have never faltered. I can't say enough, and I highly recommend Island's Insurance. I have multiple homes, vehicles, and toys insured through them at very competitive rates. No one can beat them in price and service.

Gerald Henning

Island Insurance hasthe best service that I have ever experienced. There staff is very knowledgeable and helpful, I would highly recommend doing business with them.

Lisa Bohn

Islands Insurance is a wonderful company!

Loraine jarman

Always there to help.

Jennifer Rob

My wife and I have dealt with islands insurance agency for several years now and are extremely happy with Kathy and her team. They always answer our questions, have great rates and are very professional. I'm very thankful that we found them and hope to be clients for years to come!

H Whitney Stewart

Islands Insurance has been serving our family for decades. They have always provided a personal touch, which I especially recall during our generational transition with the loss of our mother.

David Lewis

Have had Islands Insurance cover our island home and boats for 20+ years, and their insurance is excellent. Thorough coverage, easy to update policy with new boat or cottage, very good rates and excellent response to questions. Thank you, Allyson and all agents!

Perry S

I switch this year to Islands Insurance Center. They are very nice, return your calls/ and so far been great to work with.

Lisa

This agency has the best staff! They are very prompt when I have questions, and they always offer me satisfactory solutions.

John Dubro

Been with Island Insurance 12+ years. Outstanding customer service. Insurance prices are competitive. They compare and find best deal.

Utah Coleslaw

Been using them for 8 years I absolutely love them!!

Kyle Van Eenenaam

My experience with Islands Insurance/Auto Insurers has been fantastic. They are always a phone call or email away and respond with efficiency and clarity when questions and concerns arise. I would highly recommend using Islands Insurance Center when you're looking to cover something near and dear to you.

Michele Fiering

Very knowledgeable and professionally keeps the customer concerns and needs priority. Always quick to provide any service and/or deal with business issues proficiently.

Rebecca Kogelschatz

Islands Insurance has been our go to company for well over 10 years. They have held all of our Insurance needs from personal, business, boats, vehicles, trailers, storage buildings, medical and life insurance, everything we own and operate. Their team gets together and evaluates our situation individually to produce the best product for the best cost. When calling with questions or concerns there is always a person to answer on the phone. Not the merry go round most companies will put you through before requesting you to leave a message. We are delighted and grateful to Islands Insurance Company and all of their for always having our backs!! We highly recommend them to everyone!!

Marcy Bos

Enjoy working with Islands Insurance Center. They are kind and responsive to calls or e-mails. I would recommend them to manage your insurance needs!

Michael Forshaw

Very personable agency.... they've insured our summer home on Drummond Island for the last 4 years. Always appreciated helpful emails during the year.

Myrth Kremers

This office is always ready to answer questions, and is very helpful.

Patti Schafer

We've had the pleasure of insuring with Islands Insurance Center now for six years. They are always helpful and respond quickly to questions, or making changes to coverage. They're a wonderful insurance company.

Mary Decker

Wonderful experience with dealing with them for our insurance needs. They were outstanding 👏 👌 🙌

Pete Edwards

Islands Insurance is prompt and professional, but always with a kindness and warmth that is refreshing.

Richard Taylor

very professional group, always pleasant and eager to help, very knowledgeable. highly recommended.

Ugly Anne

Wonderful insurance agency. Kathy and Kris are a pleasure to work with.

Keith Martin

I've been with Islands Insurance for many years and they've always been a first class business. After a recent claim, those sentiments were only reinforced! Thank you for all your help!

Scott Jones

We have been with Island insurance for some time now with no issues whatsoever. The staff is amazing to work with… Bery quick response when you have any issues !!!!

Marsela Dzidziguri

Cayla R. is the best! I’ve been with Islands Insurance for over 6 years now and never had an issue she wasn’t able to help me with. Great place, great people!

William Kilroy

I have been very satisfied with Stacy and the Islands Insurance team.

Vivian Johnston

Very helpful and knowledgeable. They always look for the best plan for my needs and respond quickly

Tracy Davis

Islands Insurance has been our insurance agent for the last 5 years. We have been satisfied with the service provided from Day1 - insuring our summer home on the UP.

Cindy Barton

We have had the same insurance company for many years, our premium's kept going up every year and we never had anyone call to review our policy. A friend posted how much she loved Island Insurance Center and that they called her yearly to review her policy. I gave them a call and could not believe the service and prices they gave us, we changed immediately and look forward to working with them.

Sharon Wojnaroski

Sold my snowmobiles, never thought to remove from policy, agent saw ad and called to remind me to remove from policy

Ashley Burger (ASAO)

The staff at Islands Insurance are compassionate, helpful, and efficient.

Marc White

I greatly appreciate the professional, courteous service I received from the staff at Islands Insurance.

Camille Hansen

Allyson was excellent and very quick in putting together a new policy for me when I was looking for quotes

Lauren Hamel

Islands Insurance is excellent! They are quick to respond and very very helpful. I changed insurers and they helped me figure out everything that I needed to do. I highly recommend!
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Let’s Find the Right Coverage for You

At Islands Insurance Center, we’re here to make insurance simple, personal, and neighborly. Whether you’re looking for auto, home, business, or life insurance, our team is ready to guide you every step of the way.