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Dedicated to Helping You Find Insurance Protection Personalized to You

We’re your trusted insurance agency serving Northern Michigan and beyond.

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Michigan Insurance Services Agency

An insurance agency dedicated to putting you first.

In 1979, Michigan Insurance Services Agency was built on the foundational core values of grit and working long hours to help our clients find personalized protection. Over 40 years later, we still hold true to those traditional values and put an emphasis on providing you with knowledge, education, and advice throughout your insurance experience.

Our team is experienced and here to help. Whether you walk through our doors, give us a call, or chat with us online, you’ll always get the same friendly, professional service you’ve come to know and trust. Because for us, treating you like you’d want to be treated is important to us—we truly care about you. We are Michigan Insurance Services Agency, and we are ready to help you!

“Many, many years of fantastic and prompt service. The staff all treat you like you would want to be treated, and are very kind people. Always helping with finding best policy for my needs as well as the costs.”

– Jane D.
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Insurance Protection Personalized to You

Providing a variety of personal insurance and business insurance solutions is what Michigan Insurance Services Agency does best.

Insuring Northern Michigan and Beyond

Since 1979, Michigan Insurance Services Agency has been focused on serving families and businesses with insurance protection personalized for them. We look forward to serving you, too! Contact us or stop by our office in Gaylord, MI, to get started.

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The Independent Advantage
What makes our independent agency different?
  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.

Why Choose Us?

We’re proud to serve your insurance needs. Here’s what we do differently.

Personalized Protection
Dedicated Team
Experienced Agency
Prompt, Professional Service

Real clients. Real reviews. Real coverage.

“Personable, promptly answers questions, quick to settle claims, watches for the best rates, and just easy to deal with are only a few reasons we select Michigan Insurance Services Agency.”

– Chris C.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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Gaylord, MI

536 S. Illinois Avenue
Gaylord, MI 49735

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