About |

Since 1936, what matters to you, matters to us. Your home, your family, your business, your future — protecting it isn’t just our job. It’s our responsibility and our privilege.

At heart, homeowners insurance is about protecting your home, your possessions, the buildings on the land around your home, and protecting you from lawsuits and other forms of liability exposure.

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Our Story

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. At Elder, we always recommend the broader coverages that protect against as many risks as possible, and only write more limited policies in very specific instances.

Remember, we cover your home for what it would cost to rebuild, not what someone might pay for it. AKA Replacement Cost vs. Market Value.

8+
Trusted Carriers
90
Years of Local & Personal Service
#1
Customer Service Ranking in Northern Michigan by TCeditorial.com

Clear Guidance. Honest Advice. Real Protection.

Understand Your Needs

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Compare & Customize

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Ongoing Support

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Who We Serve Block

Homeowners

Our Team

Ryan Nummela

President & CEO

name@email.org 803.403.1138

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Shelly Malay

Operations Director

name@email.org 803.403.1138

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.

Ryan Nummela

President & CEO

name@email.org 803.403.1138

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.

Shelly Malay

Operations Director

name@email.org 803.403.1138

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.

Insurance FAQs

Questions about insurance? Start here.

Get a Home Insurance Quote Today

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