Personal Insurance in Grand Rapids

Most Michigan households have more to protect than a single policy covers. Home, vehicles, watercraft, valuables, and liability each represent a distinct exposure — and the gaps between uncoordinated policies are exactly where financial risk hides.

What an Independent

Agent Gives You That a

Single Carrier Can't

When you work with a captive carrier, you get whatever that company offers. When you work with Crosby & Henry, you have access to a carrier panel that includes Citizens, Liberty Mutual, Safeco, Nationwide, Hartford, CNA, West Bend, and Foremost — and an agent who selects coverage based on your situation, not on what one company can write.


For West Michigan households, that range matters. Grand Rapids homeowners, seasonal property owners along Grand Haven, and families with waterfront assets near Traverse City face personal insurance needs that rarely fit a single carrier's product lineup. One agency relationship coordinating all of it is meaningfully different from five separate carrier relationships managed by no one.



We've been building those relationships in Michigan since 1858. Our agents know how coverage performs after lake-effect weather events, what a thorough personal lines review finds that most clients didn't know they were missing, and how to advise before a claim — not just after.

Property Coverage

Outlined shield with a checkmark and small magnifying glass icon.

Your building's master policy doesn't cover your belongings, improvements, or personal liability. We fill that gap.

Shield with checkmark and key icon, suggesting security or verified access

Your landlord's policy protects the property — not you. Renters coverage is one of the most cost-effective policies available.

Person icon in front of a house, suggesting home or residence profile.

Standard homeowners policies exclude flood damage entirely. Michigan's waterways and weather make this worth a conversation.

Black line icon of a house with a shield, suggesting home security or protection

Standard homeowners coverage isn't built for rentals. Landlord policies cover lost income, tenant liability, and property damage correctly.

Outlined house with a shield checkmark, suggesting home security or protection

Your homeowners policy won't cover a structure under construction. Builder's risk fills that gap for the duration of the project.

Vehicle Coverage

Outline icon of a building with a location pin and shield symbol

Michigan's no-fault system is unique — and the 2019 PIP reform created decisions most drivers haven't revisited since signup.

Shield with checkmark and key icon, in black line art on white background

Collector vehicles appreciate. Standard auto policies aren't written for them. Agreed value coverage protects what yours is actually worth.

Shield with checkmark and key icon, suggesting secure verification or account protection

We review seasonal use, storage, and how motorcycle coverage fits your full vehicle profile.

Security badge with a checkmark and key icon

Specialized coverage for ATVs, side-by-sides, and other off-road vehicles.

Watercraft Coverage

Simple line icon of a building with a shield and checkmark symbol

Liability and physical damage exposure doesn't follow Michigan's boating season. We review your vessel, storage, and full coverage picture.

Person icon in front of a house icon, suggesting home or housing services

Yacht Insurance Larger vessels require dedicated marine coverage with agreed hull value, on-water liability, and Great Lakes cruising provisions.

Specialty Coverage

Black line icon of buildings with a shield checkmark, suggesting safety or security certification

Most homeowners policies cap personal property coverage well below replacement value. A jewelry floater covers appraised value — often with no deductible.

Shield with checkmark and key icon, black outline on white background.

A serious illness or injury can mean thousands in veterinary costs. Pet insurance lets you decide based on your pet's health, not your budget.

Shield with checkmark and key icon outline

A personal umbrella extends liability limits across home, auto, and watercraft when a serious claim exhausts underlying policy limits.

165 Years of Michigan Insurance. Still Family-Owned. Still Here.

Crosby & Henry has operated continuously in Michigan since 1858 — now in its seventh generation of family ownership. Our agents hold appointments across Citizens, Liberty Mutual, Safeco, Nationwide, Hartford, CNA, West Bend, and Foremost, and work directly with each client rather than through transfer queues or call centers.

Common Questions About Homeowners Insurance

  • What does homeowners insurance cover in Michigan?

    Most homeowners insurance policies help cover the structure, personal belongings, liability exposure, and additional living expenses after covered losses. Coverage details vary significantly depending on the policy and endorsements selected.

  • Do I need flood insurance in Michigan?

    Flood insurance may be worth considering for homes near rivers, low-lying areas, or properties vulnerable to heavy rainfall and water intrusion. Standard homeowners insurance policies generally do not cover flood damage.

  • What is a wind or hail deductible?

    Some Michigan homeowners policies apply separate deductibles specifically for wind or hail-related claims. These deductibles can significantly affect out-of-pocket costs during roof or storm damage claims.

  • Why use an independent home insurance agent?

    Independent agencies compare multiple carriers and help explain important coverage differences rather than offering only one company’s policy structure.

  • How often should homeowners review coverage?

    Annual reviews are recommended, especially after renovations, property purchases, major life changes, or shifts in rebuilding costs.