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Auto Insurance AUTO
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Boat Insurance BOAT &
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Business Insurance BUSINESS
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Homeowners Insurance HOME
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Life Insurance LIFE
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Other Insurance OTHER
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House and CarAs an independent agent, we write with many different carriers ensuring you the best coverage at the best rates. We work for you, not the insurance company.

Auto Insurance

Michigan law requires no-fault insurance. If you or your family is injured in an auto accident, your auto insurance will pay unlimited medical and rehabilitation expenses, as well as wage loss benefits and up to $20 per day for replacement services for up to three years. In a serious accident, this can amount to hundreds of thousands of dollars. This security is one of the most important reasons to purchase insurance.

There are three basic parts to a no-fault policy that must be purchased and carried on every vehicle. They are:

  • Personal Injury Protection (PIP) - PIP pays all reasonable and necessary medical expenses if you are hurt in an auto accident, including wage loss and replacement services up to three years.
  • Property Protection (PPI) - PPI pays up to $1 million for damage your vehicle does in Michigan to other people's property, such as buildings and fences. 
  • Residual Bodily Injury and Property Damage Liability (BI/PD) - BI/PD pays, up to the limits of the policy, your defense costs and any damages you are found liable for as the result of an auto accident in which someone was killed or seriously injured. The minimum limits of coverage that everyone must purchase are $20,000 per person who is hurt or killed in an accident, $40,000 for each accident if several people are hurt or killed, and up to $10,000 for damage your vehicle does to property damage in another state. These minimum limits are often referred to as 20/40/10. You can purchase higher limits of BI/PD coverage, which will be explained in the next section.

Home Insurance

Michigan law does not require you to carry insurance on your home or personal property; however, if you finance your home, your lender will likely require you to purchase insurance on the buildings to protect their financial interest in the property. The loan documents will specify what coverage must be maintained and how proof of coverage is to be submitted to the lender or the company servicing the loan. If you do not provide proof of coverage, the lender will purchase an insurance policy and pay for it out of your escrow funds (this is called "force-placed" insurance). If your home is not being financed, you may choose not to purchase homeowners insurance. However, without insurance you are assuming all of the risk to replace your home and possessions if they are damaged. (Source:

Business & Commercial Insurance

First Independent - Descamps Insurance Agency offers commercial insurance including business owners policy (BOP) and general liability insurance. Get more information here.

One half of our agency is commercial insurance, group medical insurance, and employee benefits! That means the other half of our business is auto insurance, home insurance and life insurance. We provide and service all insurance and benefits products, so we can handle all of your insurance needs. Many products offer multi-policy discounts, even on business policies, to help reduce your costs. Contact us today for a Sterling Heights insurance quote at 586.247.2220.
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