COVERAGES

At Wolverine, we work diligently to offer the right personal lines of coverage for the right price.

Our Coverages

Wolverine Mutual’s personal lines protection provides adequate coverage and financial protection at an affordable price. We also offer an additional layer of protection with our umbrella liability insurance between $1 million and $5 million. Whatever your personal lines needs are, we offer peace of mind that it is financially safeguarded 365 days a year. When you’re with Wolverine Mutual, “It’s covered.”

  • Automobile Insurance

    Avoid costly coverage surprises

    Crunching metal is a terrible sound but it’s worse when your insurance agent admits you don’t have adequate auto insurance. Unexpectedly higher out-of-pocket repair, replacements, or medical costs, are all “surprises”  that can appear when you shortchange your coverage to save a few dollars. At Wolverine Mutual, we focus on providing the protection Michigan and Indiana drivers really need.

    Drive with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your vehicle, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    Customize your coverage and get what you need. Wolverine Mutual lets you tailor your protection and premium rates to fit your needs and budget.

    Savings

    Cut your annual premium costs with these discounts. Your agent will provide full details about how to qualify and the savings you’ll see:

    Premier driver (new policyholder who is ticket- and accident-free and hasn’t had significant prior loss activity*)

    Safe driver renewal*

    Auto/home multi-policy

    Multi-car

    Safety belt**

    Safety device (driver, passenger and/or side air bag; anti-lock brake system)

    Pleasure use

    Good student/good driver

    Insurance scoring discount

    *Applies to No-Fault and Collision coverages
    **Applies to Personal Injury Protection only

  • Home Insurance

    Protect your home for less

    Your home is one of your most valuable possessions. Your independent agent can help make sure you have the financial security you need to repair or replace your house or belongings after a loss at a competitive rate.

    Sleep with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your home, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    Protect your home for less. Wolverine Mutual lets you tailor your protection and premium rates to fit your needs.

    • Choose between premier and standard coverage
    • Automatic value adjustment
    • Extra coverage at no additional charge: debris removal, emergency repairs, building collapse protection and much more

     

    Savings

    Pay even less with these rate-cutting discounts. Ask your agent how to qualify and show your savings:

    • Newer home: for houses up to 20 years old save more than 20% for homes up to 6 years old
    • Experience credits give you progressively higher discounts for ages 35-44, 45-54 and 55+
    • Protective devices: for installing smoke detectors and/or central station burglary and fire alarm systems
    • Auto/home multi-policy
    • Higher deductible
    • Suburban protection: for homes located in subdivisions outside larger city limits
    • Insurance scoring discount
  • Motorcycle Insurance

    Safeguard your freedom machine all year

    Freedom. It’s the power of cc’s surging from the engine. It’s the wind in your face as two wheels meet the pavement. And it’s the confidence that comes when your motorcycle is fully protected all year by Wolverine.

    Ride with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your motorcycle, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    Protect your ride. We insure high performance, touring, certain trikes, most Harley Davidson models, motor scooters, helmets, and riding gear. Cyclists rank our factory-installed optional and added equipment coverage one of the best in the nation.

    • 365 days of coverage for only a nine-month premium.
    • Cut costs even more with our winter months “comp only” coverage.
    • Save hundreds of dollars with one deductible.
    • Six-month coverage available.
    • Custom coverage choices.

     

    Savings

    Lower your premium rate up to 50% with Wolverine. Ask your agent  how to qualify:

    • Tour bike (most makes)
    • Honda Goldwing tour bike
    • Multi-bike
    • Experienced operator (three or more years of safe driving)
    • New insurance carrier when you switch your policy to us
    • Renewal (every year you return turns into savings)
    • Mature operator (discounts for policyholders who are 30-44 years old or 45 years and older)
    • Auto/homeowner coverage with Wolverine Mutual
    • Higher deductible (choose from $100, $250, $500 or $1,000)
  • Rental Property Insurance

    Protect your rental property for less

    When you rent a one- or two-family dwelling, you want to protect your property and the income it generates. We can help you as long as:

    • You own the property as an individual or L.L.C.
    • You do not occupy the property
    • The property was built in 1940 or after, costs $75,000 or more to rebuild and is in excellent condition
    • You insure the dwelling for 100% of its replacement cost
    • The property has a minimum of 100-amp service and circuit breakers

    Rent with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your rental property, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    Rent with Confidence.

    • Dwelling Building & Contents Coverage includes rental dwelling, other outbuildings, landlord’s personal property (such as refrigerators, dishwashers, etc.) and lost rental value
    • Premier Tree Debris Removal Coverage
    • Landlord Liability Protection
    • Automatic Inflation Adjustment

     

    Savings

    Lower your annual premium costs with these discounts. Your agent will provide full details about how to qualify and what savings you’ll see:

    • Newer Rental Property: for one- or two-family dwellings up to 20 years old; save even more for dwellings up to 6 years old
    • Protective device: for installing smoke detectors
    • Multiple policy
    • Higher deductible
  • Personal Umbrella Insurance

    Increase your protection with surprisingly affordable coverage

    There are plenty of reasons to be worried about lawsuits. Ask your independent agent to help you an add extra layer of liability protection over and above the limits on your primary policies.

    Live with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your financial worth, click here.

    For a policy that matches your needs and budget, start here.


    Wolverine Advantages

    Increase your protection with surprisingly affordable coverage. Our umbrella liability coverage is available in limits of $1 million to $5 million for your auto, homeowners, watercraft, recreational vehicle, seasonal dwelling and rental property policies. It will cover:

    • Gap protection against liability claims not covered by your comprehensive Wolverine Mutual auto or homeowners policies
    • Legal defense costs if someone files a lawsuit against you
    • Personal injury protection against libel, slander, malicious prosecution, defamation of character, invasion of privacy or discrimination suits
    • Host liquor liability

    This protection covers you and others on your policy no matter where your covered incident occurs in the world.

  • Watercraft Insurance

    Watercraft coverage you can count on

    Whether you sail, troll, or pound the waves at 65 mph, we offer the coverage your pleasure boat or yacht really needs. At Wolverine Mutual, actual boat owners write these easy to understand coverage loaded policies. They know what protections you want because they value them too.

    Use your watercraft with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your watercraft, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    Pleasure boat advantages

    Many boaters consider Wolverine the best insurance choice on and off the water.

    • Full replacement cost coverage for watercraft up to 25′, five years or newer
    • One deductible saves you hundreds of dollars. Covers damage to your boat, trailer, motor and/or equipment
    • Automatic $5,000 coverage for unattached equipment and personal effects
    • Equipment on shore coverage
    Yacht advantages

    Worry-free protection is available for your 26′ or longer hulls.

    • Agreed value coverage for your yacht and motor(s) valued at $35,000 to $500,000
    • Replacement 20 coverage for damage on yachts that are 20 years old or less
    • Automatic $10,000 for unattached equipment and personnel effects

    Savings

    Our premium rates are very competitive; ask your agent how to qualify:

    • Newer watercraft applies to: boats and yachts 10 years old or newer
    • Higher deductible
    • Watercraft/Home multi-policy
    • Multi-boat
    • Experience: when you have more than five years boating experience or complete qualifying courses
    • Halon fire extinguishing system
    • Safety equipment
    • Shore station boat lift
    • Diesel engine
  • Seasonal Home Insurance

    Year-round financial protection for your getaway

    Do you have a vacation or second home in Michigan or Indiana? Just as with your primary home, it’s important to have the right insurance protection for it and your possessions. At Wolverine Mutual our policies give you financial peace of mind 365 days a year. It’s why our policyholders truly relax when they’re here.

    Enjoy your seasonal home with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your seasonal home, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    • Choose between premier and standard coverage
    • Automatic value adjustment
    • Extra coverage at no additional charge: debris removal, emergency repairs, building collapse protection and much more

     

    Savings

    Free up more money for playing with these discounts. Ask your agent how to qualify and show you the savings:

    • Newer home: for houses up to 20 years old save more than 20% for homes up to 6-years old
    • Experience credits give you progressively higher discounts for ages 35-44, 45-54 and 55+
    • Protective devices: for installing smoke detectors and/or central station burglary and fire alarm systems
    • Auto/home multi-policy
    • Higher deductible
    • Suburban protection: for homes located in subdivisions outside larger city limits
    • Insurance scoring discount
  • Recreational Vehicle Insurance

    Relax … your play vehicles are covered

    We provide the right protection for you and your recreational vehicles. Recreational vehicle owners write these easy-to-understand, coverage-loaded policies. They know what protections you want because they value them, too.

    Travel and camp with peace of mind

    To find an independent agent who will provide the coverage you need to protect you and your recreational vehicle, click here.

    For a policy that matches your needs and budget, start here.

    To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.


    Wolverine Advantages

    When you insure your home with us, you can protect the following recreational vehicles with all risk physical damage coverage as well as liability and medical payment coverage:

    • Recreational trailers
    • Snowmobiles
    • Off-road four wheelers and utility vehicles
    • Mini-bikes and trail bikes
    • Golf cars or carts

I am loyal to your company because any claim I’ve ever made over the years has never been met with any difficulties. I really appreciate that!

 Policyholder, Grand Rapids, MI

Wolverine's people set them apart from most of my other carriers. They are caring, friendly and always available when we need them.

 Agent, Yale, MI

Wolverine Mutual was prompt and very helpful with the claim on my car. Very happy with their service. Thanks for getting my Challenger back looking great again!

Policyholder, South Bend, IN

When a horrible hailstorm hit our area in June 2019, Wolverine's claim team was right on it and they stayed on it. They made our job easier during a very stressful time.

Agent, Battle Creek, MI

I've been a customer of WMIC for over 40 years. You've always been there when needed.

 Policyholder, Traverse City, MI

My clients love the fact that Wolverine lets them choose the body shop they want to use. A lot of my companies steer my clients to only shops in their preferred network.

 Agent, Grand Rapids, MI

ASSOCIATIONS AND AFFILIATES

Agent Search

Find An Agent

Wolverine has a network of 275 independent insurance agencies in Michigan and Indiana.