Home Insurance in Cedarville, the Eastern Upper Peninsula, and Across Michigan

Protection Tailored to Where You Live

Your home is one of the largest investments you’ll ever make — and it deserves coverage designed just for you. At Islands Insurance Center, we help homeowners in Cedarville, the Les Cheneaux Islands, and across Michigan secure personalized protection for their houses, condos, rentals, and seasonal cottages.

What Home Insurance Includes

Home insurance from Islands Insurance Center may include:

Dwelling Coverage

Protects the structure of your house from fire, wind, hail, or other covered perils.

Other Structures

Coverage for garages, fences, sheds, and detached buildings.

Personal Property

Safeguards belongings such as furniture, electronics, clothing, and valuables.

Additional Living Expenses

Helps with costs if you need temporary housing after a covered loss.

Personal Liability Coverage

Protects you if you’re held legally responsible for injuries or damage.

Medical Payments Coverage

Covers medical costs for guests injured on your property, regardless of fault.

Optional Add-Ons

Coverage for high-value items, identity theft, or water backup.

Looking for something more specific?

Protection tailored to tenants and their belongings.

Coverage designed to complement your condo association’s policy.

Protection for cottages, cabins, and second homes across Michigan.

Frequently Asked Questions

  • Is homeowners insurance required in Michigan?

    While the state doesn’t require home insurance, most lenders do. Even if you own your home outright, coverage is critical to protect against financial loss. At Islands Insurance Center, we’ll tailor a policy that fits your property and situation.

  • Do you insure seasonal and secondary homes?

    Yes. We specialize in Seasonal & Vacation Home Insurance for cottages and cabins across the Les Cheneaux Islands and Michigan’s Eastern Upper Peninsula.

  • Do you offer condo insurance?

    Absolutely. Condominium Insurance is one of our specialties. We’ll review your association’s master policy and design coverage that protects what’s uniquely yours.

  • What if I rent instead of own?

    If you’re renting, we recommend Renters Insurance. It covers your belongings and liability, even if your landlord has coverage for the building.

  • Can I bundle my home insurance with auto?

    Yes. Bundling with Islands Insurance Center can streamline your coverage and may provide additional benefits.

  • What makes Islands Insurance Center different from larger providers?

    At Islands Insurance Center, we focus on people, not policies. We’re local, independent, and committed to quick communication. You’ll always know exactly what’s covered — and we’ll tailor it to your life.

  • How do I get a home insurance quote?

    Simply fill out our [Request a Quote] form, text us, call our Cedarville office, or stop in. Our team at Islands Insurance Center will walk you through coverage options step by step.

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Why Choose Islands Insurance Center for Home Insurance?

Home Coverage, Built Around You
Three figures, one with radiating lines, suggesting teamwork and ideas.

Community-Rooted: We understand the unique risks of living in Cedarville, the Eastern Upper Peninsula, and Michigan’s island communities.

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Tailored Protection: Every home is different, and we design policies that reflect your specific property and lifestyle.

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Trusted Carriers: With Auto-Owners, AAA, Wolverine, and more, we give you flexible coverage choices.

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Independent & Flexible: As an independent agency, Islands Insurance Center works for you, not one insurer.

Protect Your Home with Islands Insurance Center

From family homes to seasonal cottages, condos, and rentals, Islands Insurance Center provides home insurance that’s as unique as the place you live. With neighborly service and tailored protection, you can trust us to safeguard your home and everything in it.

Request a Quote from Islands Insurance Center