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Insurance Options

Independent insurance guidance backed by LMCU

Lake Michigan Insurance Agency (LMIA) is part of the Lake Michigan Credit Union family and has been helping people protect what matters most since 1921. As an independent insurance agency, LMIA can review coverage options from multiple carriers and help you find protection that fits your needs, goals, and budget.
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Protection for every stage of life and business

Whether you're protecting your home, your family, your business, or your future, LMIA can help you navigate your insurance needs with personalized guidance.
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Real people. Real guidance.

Talk with a licensed insurance pro who can answer your questions, explain coverage, and help you make informed decisions.

 

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Independent agency

LMIA works with multiple insurance carriers, giving you access to coverage options tailored to your needs and budget.
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Coverage that fits

Whether it's your home, your family, your business, your employees, or what's next, LMIA can help you find protection that works for you.

Getting the right coverage starts here

Tell us what you need protected, and LMIA will help guide you every step of the way.

Tell us what you need

Share what you want to protect, from your home and family to your business and future plans.

We'll do the legwork

LMIA shops coverage, pricing, and carriers to help identify the right fit for your needs.

 

Get covered

Once you're ready, we'll help put the right coverage in place.

 

Auto

Home

Life

Business

Employee Benefits

Medical

Insurance questions, answered

Get answers to common questions about personal insurance, coverage options, and working with Lake Michigan Insurance Agency.

Pretty much all of it. LMIA can help with auto, home, condo, renters, flood, umbrella, life, motorcycles, seasonal toys, business insurance, employee benefits, and more. If you're not sure where your coverage fits, that's exactly what LMIA can sort out.

LMIA can also help with Medicare supplements, disability income coverage, and long-term care planning, so you can feel more prepared for whatever comes next.

Every insurance need is different. LMIA takes the time to understand what matters most to you, answer your questions, and help you navigate coverage decisions with personalized guidance along the way.

 

Yes. LMIA takes the guesswork out of comparing insurance options by helping you explore coverage from multiple carriers and understand what fits your needs. Whether you're looking for personal insurance, business coverage, or employee benefits, the team can help you find solutions that work for you. While LMIA serves many LMCU members in Michigan and Florida, the agency can offer coverage in most states, which can be especially helpful if you own property elsewhere, have business operations in multiple locations, or are relocating.

No. LMIA is an independent insurance agency, so it can shop multiple carriers and help you compare coverage, pricing, and value. That gives you more room to find coverage that fits instead of starting with only one company or one quote. 

For personal insurance, helpful details may include your current policies, address, property details, vehicle information, household drivers, coverage goals, and any changes you're planning.

For business insurance, information about your operations, employees, property, vehicles, current coverage, and business goals can help get the conversation started.

Don't worry if you don't have everything ready. LMIA can help point you in the right direction.

It's a good idea to review your coverage at renewal or whenever circumstances change. Whether you're buying a home, growing your family, starting a business, adding employees, expanding operations, renovating, or purchasing valuable assets, your coverage needs may change too.

 

Usually, no. Standard homeowners insurance typically does not include flood coverage. If you own a home in Florida, live near water, or want extra protection from water-related damage, LMIA can help you compare flood insurance options and understand what may fit your property. 

Umbrella insurance adds extra liability protection beyond certain underlying policies, such as home or auto insurance. It may be worth discussing if you want added protection for larger claims, own property, have multiple or youthful drivers in your household, or want another layer of coverage for your personal assets. 

Businesses may also benefit from commercial umbrella coverage, which can provide additional liability protection beyond certain business insurance policies. LMIA can help determine whether added liability coverage makes sense for your personal or business needs.

Usually, no. Personal insurance is not meant to cover business property, business liability, employees, or vehicles used for business. If you own a business or use your home, vehicle, or equipment for business purposes, business insurance may be the better fit. Visit the business insurance page or connect with LMIA for guidance. 

Ready to find your coverage?

Getting insurance quotes means comparing coverage, deductibles, and carriers. Not just the lowest number. LMIA shops multiple carriers to find the best fit for your situation.   

Get a Quote Contact LMIA
Disclosures

Insurance products are not deposits and are not NCUA insured. Not obligations of or guaranteed by the credit union. May be subject to investment risk, including the possible loss of principal.