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Harbor Brenn Insurance Agencies

See what makes us amazing.

When it comes to your insurance, you don’t want to walk away confused about your coverage. That’s why you should turn to Harbor Brenn Insurance Agencies. There are no suits, no fancy talk, and certainly no jargon because we want you to understand your insurance so you can feel confident in your protection.

We’re a local, family-owned insurance agency full of experienced, friendly, and knowledgeable staff who are here for you. We make it our goal to give back to the same community that has supported us for the decades since our founding in 1977. That’s probably why most of our business comes from client referrals and recommendations. Above all, we believe that we win when you win, so we’ll always have your best interest at heart.

About Our Agency
Community Focused

As a locally-owned agency, we believe in giving back to our community and volunteering with local organizations.

Family Owned

Our agency is a second-generation family-owned business, giving us deep roots in Northern Michigan.

Experienced Agents

With over 44 years in business, we understand what it takes to bring you quality coverage.

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Our Culture

We value community, curiosity, relationships with our peers and clients, and the choice to be amazing each and every day in our work and attitude.

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The Solution to Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Harbor Brenn Insurance Agencies does best.

Personal Insurance

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Business Insurance

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Employee Benefits

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Our Clients Rave About Us

See why our solid reputation for going the extra mile has earned us the trust of our customers, our company partners, and our community.

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Real clients. Real reviews. Real coverage.

The Independent Advantage

What Makes Our Independent Agency Different?

We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
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Click it. Read it. Cover it.

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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Petoskey, MI

1231 N US 31 Highway
Petoskey, MI 49770

As a local agency, we are proud to serve clients throughout Northern Michigan.

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