Union City

About Union City

Insurance in Union City, MI

Inszone writes insurance in Union City, MI from our office at 365 N. Broadway Street. The village sits where the Coldwater and St. Joseph rivers meet on the Branch and Calhoun county line, and it is believed to take its name from that union.

This office was Vozar Insurance, an agency founded in 1969 as James R. Vozar Insurance Agency, Inc. It is the same address and phone number, and the agency’s other offices, Athens and Quincy, are Inszone offices too.

As an independent insurance agency in Union City, MI, we represent many carriers rather than one. That lets an Insurance Specialist compare markets for the household, the farm and the shop at each renewal.

Buy your insurance in Union City, MI!

Personal Insurance in Union City, MI

For Union City households we write home, auto, renters, condo and motorcycle policies. Condo policies are built around the unit’s interior and the owner’s share of the building’s liability, and renters policies around belongings and liability for tenants.

Auto insurance in Union City, MI is built around Michigan’s no-fault system, where the driver chooses a personal injury protection (PIP) medical level. The options are unlimited, up to $500,000, up to $250,000, and up to $250,000 with PIP medical exclusions, with two more for drivers enrolled in Medicaid or holding Medicare Parts A and B. If no level is chosen, unlimited is the default, and unlimited PIP carries an MCCA assessment.

Michigan’s minimum residual bodily injury liability is $50,000 per person and $100,000 per accident, and the default with no selection is up to $250,000 and $500,000. Property protection insurance is mandatory and pays up to $1 million for damage a car does to other people’s property in Michigan, such as buildings and fences. Under the mini-tort rule, a driver 50% or more at fault can be sued for up to $3,000 for damage to the other vehicle, and an Insurance Specialist can show how each choice changes a quote.

Motorcycles follow different rules. Michigan’s minimum liability limits are $50,000 per person, $100,000 per accident and $10,000 for property damage, and PIP is not required. Insurers must offer optional medical benefits in $5,000 increments, while collision and comprehensive are optional.

A standard homeowners policy excludes flood, and water or sewer backup is not automatically included. Sewer backup and sump overflow is a separate endorsement. In a village at the meeting of two rivers, an Insurance Specialist can explain how flood and backup are handled on a quote.

Business Insurance in Union City, MI

For Union City businesses we place business owner’s, general liability, commercial property, commercial auto and commercial umbrella policies. We also work on programs for contractors, truckers and transportation and logistics companies. Contractor, trucking and transportation accounts are quoted around the trade or the fleet, so an Insurance Specialist will ask about payroll, vehicles and the jobs or routes involved.

Farm insurance in Union City, 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 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 have their own test: three or more employees working 35 hours or more a week for 13 or more consecutive weeks. An Insurance Specialist can go through how the rule applies to a business.

Inszone Insurance agency near me

Call 517-741-3607, use the quote form on this page, or come by 365 N. Broadway Street. The office is open Monday to Friday, 9:00am to 5:00pm.

We work with households, farms and businesses in Union City and across Branch and Calhoun counties. 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. Vozar Insurance, the agency founded in 1969, is now part of Inszone Insurance, and this office is at 365 N. Broadway Street. Call 517-741-3607 to reach the same team.

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, property protection insurance, and a PIP medical level chosen by the driver. Property protection insurance pays up to $1 million for damage to other people’s property in Michigan, such as buildings and fences. An Insurance Specialist can compare the options available for your situation.

What happens if I did not choose a PIP level in Michigan?

When no other level is selected, Michigan sets unlimited PIP medical as the default, and the default residual liability is up to $250,000 per person and $500,000 per accident. Unlimited PIP carries an MCCA assessment. An Insurance Specialist can check what your current policy shows.

What insurance does Michigan require for a motorcycle?

Michigan’s minimum liability limits for a motorcycle are $50,000 per person, $100,000 per accident and $10,000 for property damage. PIP is not required, insurers must offer optional medical benefits in $5,000 increments, and collision and comprehensive are optional.

Does a Michigan homeowners policy include water backup?

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.

Does my Union City 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 on three or more employees working 35 hours or more a week for 13 or more consecutive weeks. An Insurance Specialist can confirm how the rule applies to your operation.

How do I get a quote from your Union City insurance office?

Call 517-741-3607 or use the quote form on this page, or come by 365 N. Broadway Street 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.