As an independent agency we compare available options across 75+ carrier access points — across every type of coverage we offer.
Get a Free Quote →Michigan no-fault, liability, comprehensive & collision. We navigate Michigan’s unique PIP requirements and compare available options across 75+ carrier access points.
Protect your home and everything in it. Coverage for dwelling, personal property, liability, and Michigan-specific risks like ice dams and pipe bursts.
Specialized electric vehicle coverage including battery protection, charging equipment, and higher replacement costs. Michigan winters & EVs covered.
Boat and watercraft coverage for Michigan's 11,000+ inland lakes. Physical damage, liability, towing, and uninsured boater protection.
Class A, B, C and travel trailers. Full-time or recreational. Includes personal belongings, emergency expenses, and vacation liability.
Motorcycles, ATVs, and snowmobiles. Michigan riding season covered with liability, comprehensive, collision, and custom parts protection.
Business liability, commercial property, fleet coverage, and workers comp for Michigan businesses of all sizes.
Vehicle service contracts and mechanical breakdown insurance. Protection beyond your factory warranty — for cars, trucks, and EVs.
Accident and illness coverage for your dog or cat. We compare reimbursement levels, deductibles, and wellness add-ons across carriers.
Coverage for loss, theft, and accidental damage to your devices — often cheaper than a carrier plan, and we'll check if your home policy already covers it.
Extra liability above your auto and home limits, plus scheduled coverage for jewelry, firearms, and other valuables that standard policies cap.
Captive agents are limited to one company’s products. As an independent Michigan agency, Clutch Risk can compare available options across multiple carrier markets and help you understand the tradeoffs in coverage, limits, deductibles, and price.
Get a Free Quote →Michigan insurance, explained clearly.