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Don’t let your insurance scare you. With Valor Insurance, you can be confident in your coverage.

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Valor Insurance

Valor. Having courage in the face of the unknown.

To most of us, insurance can seem complex. It’s not something we were taught in school. But with Valor Insurance on your side, we can help you turn confusion into confidence as we focus on guiding you through your insurance journey. Because insurance is all about protecting what you care about the most, and we’re here to help you find the true value of your insurance coverage.

Welcome to Valor Insurance, your local, Michigan-focused insurance agency dedicated to educating you, building long-lasting, trusted relationships, and understanding your unique needs in order to help you find coverage that fits the bill. We value you and are driven to being an insurance agency that works for you and puts you first.

About Our Agency

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Insurance Focused on Your Needs

We bring 15+ years of experience in the intricacies of insurance in Michigan, so we know how to help you.

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Vocal about educating you.


Always by your side.


Long-term, trusted relataionships.


Only focused on your needs.


Ready to guide your journey.

Insurance Solutions Based on Value

Providing a variety of personal insurance, business insurance, and health benefits solutions is what Valor Insurance does best.

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The Independent Advantage

What makes our independent agency different?

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We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We are there for you in your time of need.

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The Values of Valor

We are focused on bridging the gap between you and your agents. Here’s how we accomplish that.

Value Over Price

We are dedicated to working closely and educating you on the importance of value over price when it comes to insurance.

Long-Term Relationships

We establish partnerships with you, respecting your interests and goals while working to earn your trust.

Meeting You on Your Turf

We focus on communicating with you where you’re at—using social media to help you better understand insurance.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

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.


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.


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.


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.


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.


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.


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.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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