A Legacy of Trust and Expertise

KorthaseFlinn Insurance & Financial Services is Northern Michigan’s leading choice.

Who We AreContact Us

We’ve served Northern Michigan since 1926.

We have 40,000+ trusted clients.

We have 5 offices to serve you.

Our Greatest Insurance Is Each Other

Get to know your KorthaseFlinn Insurance & Financial Services family.

Meet Us

About KorthaseFlinn Insurance & Financial Services

KorthaseFlinn Insurance & Financial Services is one of the largest and most respected independent insurance and financial service agencies in Northern Michigan. Founded as a family business in 1926, we continue to honor the legacy of client trust and superior personal service that built our company. Today we operate five offices; Boyne City, MI, Petoskey, MI, East Jordan, MI, Gaylord, MI, and Traverse City, MI, servicing over forty thousand clients throughout the Midwest.

We believe insurance alone only gets you so far. Therefore, it is crucial to have a good insurance advisor by your side, and even better, one that can advise you on your financial future. By getting to know you personally, we are able to understand your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable. Contact us today for assistance.

Serving Northern Michigan

Boyne City, MI

Petoskey, MI

East Jordan, MI

Gaylord, MI

Traverse City, MI

Specializing in Recreational Vehicle Insurance

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a variety of insurance solutions.

We are there for you in your time of need.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent a number of different carriers!

Explore All CarriersWhy Go Independent?
Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a client of KorthaseFlinn Insurance & Financial Services? Visit our Service Center to make requests and manage your insurance.

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  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact KorthaseFlinn Insurance & Financial Services

Don’t like forms? Contact us at 231-582-6512 or email us.