Here is what our customers are saying:

Working with Rummel has been great. We feel that we are working with a family member that is always concerned with our needs and looking for how to better serve us.

Paul S.

Emil Rummel Agency is always there for us to answer any questions we may have with our policies or insurance. They work very hard for their customers.

Stephen M.

You helped save me money on my personal insurance and counseled me in having correct coverage for my family's needs. Plus we have the benefit of working with a "small town America" insurance agency and a Michigan based insurance company, who both value and live out "neighbor helping neighbor".

Customer since 2018

You have always answered our questions promptly and given us excellent service. We have shopped around and you have the most competitive prices.

Robert D.

Very fast response with quotes and it seems that your customers mean a lot to you and your company! You go out of your way to find the best match or matches for each customer!

Gene M.

Dependable, quality service and face to face honesty. Someone I can trust with my home and auto insurance.

Cathy M.

The Emil Rummel Agency has been very helpful to us. They are very quick to respond to inquiries, and they get the information we need ASAP. That's important. We appreciate their services!

Cody C.

Fast response time. Great communication. Easy to deal with.

Clifton A.

You are always quick to answer any question or make any adjustment to our home/farm, car, motorcycle insurance. You always return calls quickly. Great insurance agency.

Arnold M.

Every question I've ever had has been answered professionally and with great customer service. I've already referred two families that love Rummel Agency!

Daniel S.

Great customer service. Always willing to go above and beyond!

Shelley V.

You went above and beyond for us this past weekend when we suddenly needed insurance documentation for a food truck rally in Detroit. Kim Ramirez called the office on Saturday, was connected with Larry and within minutes Stacie was on the phone with her. We certainly appreciate your dedication, persistence, and willingness to help us on your day off! We are grateful for the outstanding service we consistently receive from you and the entire team at Rummel.

Amy Zehnder GrossiFrankenmuth Bavarian Inn Restaurant

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Which insurance solution is right for your family?

Explore how having the right insurance can protect you from the unexpected.

Explore Insurance Risks by clicking on the yellow dots in our Clickable Coverage Images:


Property Damage Liability

Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability

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 a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.


Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability

Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

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