Frequently Asked Questions

General Insurance Questions

  • What types of insurance does Islands Insurance Center offer?

    We provide a full range of personal insurance options, including: Auto Insurance, Home Insurance, Renters Insurance, Condo Insurance, Seasonal & Vacation Home Insurance, Life Insurance, Health & Medicare Insurance, and Business Insurance.

  • Do you only serve Cedarville?

    No. While our office is located in Cedarville, Islands Insurance Center serves the Les Cheneaux Islands, the Eastern Upper Peninsula, and clients across Michigan.

  • How do I request an insurance quote?

    You can get started right away on our Request a Quote page. You can also call, text, email, or stop into our Cedarville office for personal help.

Personal Insurance FAQs

  • What does auto insurance cover?

    Auto insurance may include liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and optional add-ons like roadside assistance. Learn more on our Auto Insurance page.

  • Do you insure seasonal or vacation homes?

    Yes. We specialize in second homes, cabins, and island cottages in the Les Cheneaux Islands and across Michigan. Visit our Seasonal & Vacation Home Insurance page for details.

  • Is condo insurance really necessary if my association has coverage?

    Yes. Association master policies usually only cover shared structures, not your personal unit or belongings. Learn more on our Condominium Insurance page.

  • What about renters?

    Renters need protection for their personal belongings and liability, even if their landlord insures the building. See our Renters Insurance page.

  • Do you offer coverage for recreational vehicles like boats, RVs, or snowmobiles?

    Absolutely. Our Recreational Insurance covers boats, RVs, ATVs, and more.

Life & Health Insurance FAQs

  • Do you offer life insurance?

    Yes. We design personalized policies that provide financial protection for your family and loved ones. Learn more on our Life Insurance page.

  • Do you offer Medicare coverage?

    Yes. Through Blue Cross Blue Shield, we offer Medicare options for clients across Michigan. Visit our Health Insurance page to learn more.

  • Can I combine life or health insurance with my other policies?

    Yes. Many of our clients bundle coverage to streamline protection and ensure every policy works together.

Business Insurance FAQs

  • What types of business insurance do you offer?

  • Do you insure small businesses in Cedarville?

    Yes. From single-owner operations to larger employers, Islands Insurance Center provides customized business insurance throughout Cedarville, the Les Cheneaux Islands, and across Michigan.

  • Do you cover contractors or service businesses?

    Absolutely. Contractors often need inland marine coverage for tools, liability protection, and workers’ compensation. See Specialty Business Coverages for more details.

  • Do you offer fleet coverage?

    Yes. We provide Commercial Auto Insurance for single vehicles or fleets, tailored to your operations.

Working with Islands Insurance Center

  • What makes Islands Insurance Center different from other agencies?

    We’re independent, community-rooted, and neighborly. We work for you, not one insurer. Our strength is communication — we respond quickly and ensure you always know what’s covered. Learn more About Us.

  • Can I text you with questions or claims?

    Yes. We offer a convenient “Text Us” option so you can send photos, documents, or quick questions right to our office cell. Learn more on our Contact Us page.

  • Do you have testimonials from clients?

    Yes. We have 40+ 5-star Google Reviews and will feature client testimonials on our What Clients Say page.

  • How do I get started?

    The best first step is to visit our Request a Quote page or contact us directly by phone, text, or in person.