Agency Receives 5 Star Award

Harbor/Brenn Insurance Agencies earns Fremont Insurance Company's 5 Star Award for the third year!


Our very own Jenny Brower received the 2012 Volunteer of the Year award from the Harbor Springs Chamber.  Congrats Jenny!

Harbor/Brenn - For All Your Insurance Needs
Harbor Brenn Insurance
Harbor/Brenn Agency

Harbor/Brenn is a local independent insurance agency conveniently located near Bay View, between Petoskey, Bay Harbor and Harbor Springs serving the greater Emmet County area.  We represent some of the finest insurance companies doing business in Michigan today.  Auto-Owners, Blue Cross/Blue Shield, Cincinnati, Citizens, Fremont, Michigan Insurance, and Progressive consistently rank among the best for competitive rates, service and claims satisfaction and all are available through our agency.  This enables us to offer several economical coverage options designed to meet your needs. 


We have a solid reputation in the community for building long term relationships with our clients to work for them first and foremost.  At the same time we maintain a solid working relationship with our companies based on honesty and integrity.  As a result, we receive a high percentage of our business from recommendations and referrals from our clients, business associates in the community, and even the companies we represent when their policy holders are moving to our area and want the benefit of local service.  We hope that you are visiting our web site as a result of just that – a recommendation or referral – and look forward to assisting you with your insurance protection. 


Learn the facts, then consider Flood Insurance
Have you considered buying flood insurance? 
Before you answer “no” and add, “Why would I need that?” or “I don’t live anywhere near a river!” you should know that many home and business owners have offered similar responses and then gone on to suffer uninsured flood damage. 

Before you decide not to purchase flood insurance, you owe it to yourself to learn some facts:

·         A little water can cause a lot of damage. According to the FEMA-sponsored website, only 3 inches of water in a 1,000-square-foot, slab construction home can result in damages of over $11,000! Put that 3 inches in a finished basement and the cleanup costs alone can run you more than $5,000.
·         You don’t need to live on a riverbank to get flooded. Many floods occur far away from a body of water. Water flowing down an incline, pooling in a low-lying area or unable to enter a blocked storm drain can find its way into your home or building.
·         Flood insurance can be inexpensive. If your home lies outside the floodplain and has a slab foundation, you can purchase enough coverage to pay for your cleanup costs and minor repairs for as little as $129 a year. Homes with crawlspaces or basements will pay only slightly more.

Please don’t go unprotected against flood damage without learning the facts about your risks and coverage options. Be informed. Be protected. Contact our office to talk about flood insurance.
Travel Tips

Homes and apartments in the United States today are burglarized every 20 seconds! Chances are the burglar was attracted to these homes by seemingly insignificant clues.

Thieves look for what police call "targets of opportunity" – like the times people regularly travel at the Holidays, Spring Break – or around other Holidays where long weekends can include travel vacations.  Planning ahead can keep you from becoming one of the victims when you are going to be away from your home.

Why An Umbrella Policy?

An umbrella policy gives you additional liability protection above your home and auto insurance protection.  Its can be used for expenses related to legal fees, medical expenses and lost wages as the result of the negligence of an at-fault person.

Imagine a friend falling and injuring themselves on your property.  Your standard homeowners insurance coverage may not be enough should they require surgery and miss months of work.  Without adequate coverage, you could lose much more than a friendship!

Typically, a personal liability umbrella policy is very inexpensive compared to the amount of protection it provides.  Most people choose 1 to 3 million of added protection, but higher limits are available.  The rate is based on risk – but for someone with one home and two cars the cost for 1 million of added liability is usually under $150. per year.

Please contact us for a free – no obligation quote today!


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Harbor/Brenn Agencies

Petoskey Location [map]
1231 N US 31 HWY
Petoskey, Michigan 49770

Agency Phone Numbers

Phone (231) 347-8113
Fax (231) 347-3853
Toll Free (866) 347-8113

Harbor/Brenn Office Hours

Monday - Friday
9:00 a.m. to 5:00 p.m.
After Hours by Appointment

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