Athens

About Athens

Insurance in Athens, MI

Inszone writes insurance in Athens, MI from our office at 122 S. Capital Avenue. Athens is a village in Calhoun County, settled in 1831 and named for Athens, New York, and Nottawa Creek runs through it.

Clients who know this office by its old name will find Vozar Insurance in Athens here, the agency founded in 1969 as James R. Vozar Insurance Agency, Inc. The agency’s other offices, Union City and Quincy, are Inszone offices too.

For Athens, MI insurance coverage, we represent many carriers. That lets our insurance specialists compare markets for the household, the farm and the shop at each renewal.

Buy your insurance in Athens, MI!

Personal Insurance in Athens, MI

For Athens households we write home, auto and renters policies, and place condo, landlord, umbrella and motorcycle policies through Inszone’s personal lines team. Life and health insurance are quoted through Inszone’s wider team.

Michigan auto insurance is built around no-fault, so the driver chooses a personal injury protection (PIP) medical level, and unlimited is the default if none is chosen. The minimum residual bodily injury liability is $50,000 per person and $100,000 per accident, and the default with no selection is $250,000 and $500,000. An Insurance Specialist can show how each choice changes a quote.

Nottawa Creek runs through the village, and a standard homeowners policy excludes flood. Water or sewer backup is not automatically included either, and sewer backup and sump overflow is a separate endorsement. An Insurance Specialist can explain how flood and backup are handled on a quote.

Business Insurance in Athens, MI

For Athens businesses we place general liability, commercial property, business owner’s policies, commercial auto and workers’ compensation. A village shop, a contractor and a farm supplier raise different questions, and our independent insurance in Athens, MI can compare more than one market.

The agency behind this office was known for agricultural accounts, and farm insurance in Athens, MI starts with the operation itself: the house, barns and outbuildings, equipment, and the liability that comes with owning land. Crop insurance is a separate program built around the crops planted, so it is quoted apart from a farm policy.

Michigan requires workers’ compensation for a private employer with three or more employees at one time, or one or more employees working 35 hours a week or more for 13 weeks in the preceding 52. Farms have their own test, and an Insurance Specialist can go through how the rule applies to your operation.

Inszone Insurance agency near me

Call 269-729-4000, use the quote form on this page, or come by 122 S. Capital Avenue. Our Athens, MI insurance office is open Monday to Friday, 9:00am to 5:00pm, with weekends by appointment.

We work with households, farms and businesses in Athens and across Calhoun County. Whether you are choosing a PIP level, adding a barn to a farm policy or insuring a contracting business, our Insurance Specialists can talk through the options available for your situation.

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FAQs

Is this the same office that was James R. Vozar Insurance Agency?

Yes. James R. Vozar Insurance Agency, Inc., founded in 1969 with offices in Athens, Quincy and Union City, is now part of Inszone Insurance, and this Athens office is at 122 S. Capital Avenue. Call 269-729-4000 and the team can go through your policies.

What are the minimum auto insurance requirements in Michigan?

Michigan requires residual bodily injury liability of at least $50,000 per person and $100,000 per accident, and a PIP medical level chosen by the driver. Property protection insurance is also mandatory and pays for damage a car does to other people’s property in Michigan, such as buildings and fences. An Insurance Specialist can compare the options available for your situation.

Is sewer backup part of a Michigan homeowners policy?

Not automatically. A standard homeowners policy excludes flood, and sewer backup and sump overflow is a separate endorsement. An Insurance Specialist can show whether a quote includes it and what it adds.

Is crop insurance part of a Michigan farm policy?

No. Crop insurance is a separate program built around the crops planted, so it is quoted apart from a farm policy, which is built around the house, barns, outbuildings, equipment and land liability. Which lines this office writes directly depends on the operation, and a specialist can go through how yours would be quoted.

Does my Athens business need workers’ compensation insurance?

Michigan requires it for private employers that regularly employ three or more people at one time, or one or more people working 35 hours a week or more for 13 weeks or more in the preceding 52 weeks. Farms are tested separately. An Insurance Specialist can confirm how the rule applies to your operation.

How do I get a quote from your Athens, MI insurance office?

Call 269-729-4000 or use the quote form on this page, or come by 122 S. Capital Avenue if you would rather do it in person. For a home or car, have your current declarations page to hand; for a farm or business, your revenue, payroll and recent loss runs.