Nick Naiukow Sales & Service

Tips for Finding an Agent

• Make sure they specialize in the coverage you need
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents only work for one company
• Ask for their license number and if they balk, find a new agent

Insurance Buying Tip

Consider packaging your home and auto coverage together to get a multi-policy discount. The majority of insurance companies that offer coverage in Michigan, and more specifically Harbor Springs, give a discount up to 25% when you combine your policies with the same company. Call Nick Naiukow Sales & Service at (231) 347-6110 or go to their location in Harbor Springs to get an insurance review.

Frequently Asked Questions

• How can I find an agent in Harbor Springs?
• Should I buy home and auto insurance from the same company?
• What are minimum liability requirements in Michigan?
• What should my deductibles be?
• What is the difference between comprehensive and collision coverage?