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Meet Your Partners in Protection

We at Apple Insurance of South Haven, Inc. are here to help every step of the way.

Who We AreInsurance Solutions

Learn About Apple Insurance of South Haven, Inc.

Insurance can be complicated, but we at Apple Insurance of South Haven, Inc. make the process simple and friendly. Specializing in short-term rental coverage, home and life coverages, and a plethora of business and industry coverages, our goal is to make each and every interaction with us feel warm and informative. No question is too small; we are here and happy to help.

Why Go Independent?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Kid Safety With Safety Sammy

Our Safety Sammy initiative helps teach kids of all ages about fire, beach, bicycle, and winter safety.

Safety Sammy Coloring Books

Your Local Safety and Care Advocates

As safety and care advocates in our local community, we pride ourselves on applying a human touch to the process of securing coverage and filing claims. We understand the pain of calling and getting an endless phone tree—we strive to provide you real answers from real people whenever possible. Insurance exists to protect the lifestyle you’ve cultivated. If the worst were to happen, rest assured, you are our top priority in that moment.

Learn About Us

Let’s Build a Comprehensive Plan Together

Since opening our doors in 1997, we’ve been a staple of our local community offering a variety of personal insurance and business insurance solutions.

Personal Insurance

Business Insurance

Insurance by Industry

Renters
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability
Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord
Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Learn More About This Coverage
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An Independent Agency Gives You Options

Insurance is never just about price, but we deliver when it comes to lowering your rates. At Apple Insurance, we represent multiple insurance carriers, allowing us to shop the market for the best possible coverage package at the best cost. The proof is in the pudding—we routinely find better rates than many of the “big brand” insurance companies you see on TV, and not just by a few dollars.

Explore Our Carriers

47

LOWER RATES VS. ALLSTATE

27

LOWER RATES VS. STATE FARM

32

LOWER RATES VS. GEICO

41

LOWER RATES VS. LIBERTY MUTUAL

Our Clients Rave About Us

Check out our reviews and see why you should switch to Apple Insurance of South Haven, Inc.

“Laurie W. at Apple Insurance of South Haven, Inc. did a wonderful job getting me car insurance. It was a super kind and hassle-free experience!”

Hailey W.

“Apple Insurance of South Haven, Inc. is once again helping me with a recent situation involving my car. They are always helpful and courteous. I highly recommend them for your insurance needs.”

Tina C.

“The staff at Apple Insurance of South Haven, Inc. is friendly and knowledgeable. They helped me get the best rates for my needs.”

Sue P.

Manage Your Policies

Already a client of Apple Insurance of South Haven, Inc.? Visit our Service Center to make requests and manage your insurance.

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Pay Bill

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  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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