Frequently Asked Questions

What Are The Nuts & Bolts From Working With Endline/Pike?

Insurance isn’t always clear, especially when it comes to complex policies that match your busy lifestyle. We have addressed many of the common questions from the last century and provided an answer here. If you don’t see the answer you’re looking for, we encourage you to send us a message.

Are there limits to my coverage?

Limits are dollar amounts that determine the amount of protection and the monthly premium. The age of your home and automobile are factors in deciding limits and deductibles. For a home, the limits for detached structure, personal property and additional living expenses are determined by percentages of the value of the home.

If, however, your house suffers a fire, your property will take much longer to be repaired or even rebuilt. Should you have to file a claim, your InsureLine Insurance Broker can help you navigate the process.

Is an Extended Insurance or an Umbrella Policy available?

An umbrella policy is a type of insurance that provides personal liability coverage over and above what may be covered by your homeowners policy. If your liability insurance isn’t enough to cover damages, then the umbrella policy will cover the difference.

What happens to my policy and premium if I have to file a claim?

The number of claims you file has a direct impact on your rates. If you file too many claims, they may not renew your policy. If the damage is caused by you, they may increase your rates.

Even if the damage is not caused by you, you may experience a rate increase because the risks are higher to insure you because of your driving conditions or the frequency of natural disasters in your area.

A claim on your home insurance will not increase your auto policy premium, and a claim on your auto insurance will not increase you home policy premium.

How Do I File A Claim?

Each insurance provider requests different information when filing a claim and have different timelines of when the claim must be filed by. Forms need to be completed by the deadline.

A visit by an insurance adjuster may be required. They may also need information about the date, location, and police reports if applicable. Your InsureLine Insurance Broker is here to help you navigate the process.

Visit our Client Support page for more information.

How Long Does It Take To Get Reimbursed Or Paid After A Claim?

The time it takes to get reimbursed or paid after a claim is filed can vary greatly depending on the type and severity of the claim. For example: if the claim is for minor auto damage or a small theft claim, your property will be repaired or replaced as soon as possible.

If, however, your house suffers a fire, your property will take much longer to be repaired or even rebuilt. Should you have to file a claim, your InsureLine Insurance Broker can help you navigate the process.

What Do I Need To Know About Auto Reform?

On May 30, 2019, Governor Whitmer signed historic bipartisan no-fault auto insurance reform legislation (Public Acts 21 and 22 of 2019) to provide insurance coverage options, lower rates for Michigan drivers while maintaining the highest benefits in the country, and strengthen consumer protections.

You can learn more by clicking here

Have A Question?

Our experienced insurance agents located in the heart of Michigan will work hard to deliver excellent service and the insurance protection you need – from auto, home and life, to business, farm, recreational vehicle and many more, we have coverage options to meet your specific needs.


We continue to focus on making it easy for you to get the service you expect, when you need it. Click the link below to file a claim or find your policy resources.

Contact Us

Have a question? Looking for a quote over the phone? As your local agency, we are proud that you will reach a real person on the other end of the phone. Give us a call today.

Insurance Coverage Made Simple

Whether you’re looking to find insurance coverage for your auto, home, business, motorcycle, recreational vehicle or more, we will guide you to the coverages that fit your needs. Our team will work hard to provide you above-and-beyond service and a great experience to ensure you have the best coverage available at the best possible price.