Business Details
Your Trusted Insurance Partner in Addison, MI
Decker and Sons Insurance has served the communities of Addison, Onsted, Somerset Center, and surrounding areas for over 125 years. Founded in 1897, our agency combines five generations of local expertise with a commitment to personalized service. As an independent agency, we represent top-rated carriers like Auto-Owners Insurance and Hastings Mutual, ensuring competitive pricing and comprehensive coverage. Our team specializes in auto, home, life, and commercial insurance, with a focus on prompt claims resolution and tailored policy design. We maintain a traditional family approach to service, prioritizing client relationships and community trust.Our 75-year partnership with Auto-Owners Insurance and longstanding presence across three Michigan locations demonstrate our industry authority. We offer unique benefits including Guaranteed Home Replacement and Personal Property Replacement Cost coverage. Our staff provides expert guidance on insurance discounts and risk management solutions. With decades of combined experience, we deliver reliable service that adapts to evolving client needs while maintaining our founding principles.
Services
Auto Insurance
Home Insurance
Life Insurance
Commercial Insurance
Claims Service
Highlights and features
- Five generations of local insurance expertise since 1897
- Independent agency representing top-rated carriers like Auto-Owners Insurance
- Guaranteed Home Replacement and Personal Property Replacement Cost coverage
- Specialized in Michigan-specific insurance needs and discounts
- Prompt claims resolution with local representatives
Services
Auto Insurance
We provide comprehensive auto insurance solutions for personal and commercial vehicles, including motorcycles, RVs, and motorhomes. Our policies offer protection against liability, collision, and comprehensive risks while offering discounts for multiple policies, anti-lock brakes, airbags, and good student programs. As an independent agency, we secure competitive rates from top-rated carriers.
Home Insurance
Our home insurance policies protect your primary asset with customizable coverage options. We offer guaranteed home replacement cost, personal property replacement, and additional protections for jewelry, boats, and watercraft. Our agents ensure proper coverage amounts to prevent underinsurance while maintaining competitive pricing through partnerships with financially strong carriers.
Life Insurance
We offer comprehensive life insurance solutions including term, whole life, and annuities. Our products provide financial protection for loved ones through death benefits, long-term care coverage, and mortgage protection policies. We work with secure carriers to offer competitive rates for non-tobacco users and customized joint life policies.
Commercial Insurance
Our commercial insurance services protect businesses with tailored general liability and property policies. We offer comprehensive coverage solutions for companies of all sizes, including contractors and specialty industries. As independent agents, we compare multiple carriers to find the best protection at competitive rates for Michigan businesses.
Claims Service
We provide expedited claims processing with dedicated local representatives. Our team ensures prompt resolution of insurance claims for auto, home, and commercial losses. We maintain relationships with top-rated carriers to facilitate efficient repairs and replacements while keeping policyholders informed throughout the claims process.
People
James C. Decker II
Owner / Agent
Fourth-generation insurance professional with over 30 years of experience. Specializes in commercial insurance and agency leadership. Maintains longstanding relationships with Michigan policyholders and insurance carriers.
Nikki Trumble
Agent
Licensed insurance agent with expertise in personal lines coverage. Provides tailored insurance solutions for Michigan residents while maintaining the agency's tradition of personalized service.
Jane Branch
Agent
Experienced insurance professional specializing in home and auto insurance policies. Offers personalized guidance to help clients understand coverage options and insurance discounts.
Zakery Decker
Customer Service Representative
Customer service specialist handling policy administration and client inquiries. Supports the agency's commitment to prompt, personalized insurance service for all policyholders.
Brian Kelham
Agent
Licensed insurance agent serving the Somerset Center community. Focuses on building long-term client relationships through comprehensive insurance solutions and local market expertise.
Questions
How does Decker and Sons help find competitive insurance rates?
As an independent agency, we compare policies from multiple top-rated carriers like Auto-Owners Insurance and Hastings Mutual to find the best coverage at competitive prices.
What types of insurance coverage do you offer?
We provide auto, home, life, commercial insurance, and specialized coverage options including Guaranteed Home Replacement, Personal Property Replacement Cost, and commercial liability policies.
How quickly do you handle insurance claims?
Our local claims representatives prioritize prompt resolution, working to restore policyholders to their pre-loss condition as quickly as possible through efficient processing.
Do you offer insurance discounts?
Yes, we offer multiple discounts including mature driver, good student, anti-lock brake systems, airbags, multiple policies, and non-tobacco use programs.
Which areas do you serve?
We serve Addison, Onsted, Somerset Center, Lake LeAnn, and surrounding areas in Lenawee, Hillsdale, and Jackson counties, Michigan.
