Business Details
Your Trusted Insurance Partner in Addison, MI
Decker & Sons Insurance Agency has been serving the communities of Addison, Onsted, Somerset Center, and surrounding areas since 1897. Founded by a local banker and later acquired by our family, we take pride in being a fifth-generation family-owned business. Our agency partners with top-rated insurers like Auto-Owners Insurance Company and Hastings Mutual Insurance Company to provide reliable coverage. We emphasize personalized service, prompt claims handling, and community trust.With three office locations, we offer accessible support for auto, home, life, and commercial insurance needs. Our team combines decades of local expertise with a commitment to maintaining the legacy of dependable service established by our predecessors. We specialize in tailored policies that protect clients' most valuable assets while ensuring competitive pricing through our independent agency model.
Services
Auto Insurance
Home Insurance
Life Insurance
Commercial Insurance
Motorcycle Insurance
Recreational Vehicles Insurance
Vacation Trailers Insurance
Campers Insurance
Motor Home Insurance
General Liability Insurance
Highlights and features
- We offer five generations of local insurance expertise since 1897.
- Our partnerships with top-rated insurers ensure competitive pricing and reliable coverage.
- We specialize in personalized policy design for unique client needs.
- Our team provides prompt, transparent claims handling and resolution.
- We maintain a family tradition of community-focused insurance service.
What people say
Knowledgeable staff
Prompt claims handling
Multi-generational trust
Competitive rates
Personalized service
Services
Auto Insurance
We provide comprehensive auto insurance coverage for personal and commercial vehicles, including motor homes, motorcycles, and recreational vehicles. Our policies feature discounts for mature drivers, good students, and safety features like anti-lock brakes. As an independent agency, we compare top-rated insurers to find competitive rates while ensuring reliable protection for your vehicle.
Home Insurance
Our home insurance policies protect your largest asset with customizable coverage options, including guaranteed home replacement and personal property replacement cost. We offer additional protections for jewelry, boats, and watercraft, along with liability coverage. Our agents design policies that balance competitive pricing with comprehensive protection against common risks faced by homeowners in our service areas.
Life Insurance
We offer a range of life insurance products including term, whole life, and long-term care policies to secure your family's financial future. Our solutions include mortgage life insurance, disability coverage, and annuities from trusted providers. We help clients build customized portfolios that address both immediate protection needs and long-term financial planning goals.
Commercial Insurance
Our commercial insurance services provide tailored general liability and property coverage for businesses of all sizes. We specialize in creating comprehensive packages that protect against industry-specific risks while ensuring cost-effectiveness. As independent agents, we shop multiple carriers to find policies that balance robust protection with competitive pricing for both established and emerging businesses.
Recreational Vehicles Insurance
We offer specialized insurance for recreational vehicles including motor homes, vacation trailers, and campers. Our policies cover unique risks associated with RV ownership, including liability protection and coverage for accessories. We combine this specialty coverage with the same personalized service and competitive pricing that characterize all our insurance products.
People
James C. Decker II
Owner / Agent
A fourth-generation insurance professional leading Decker & Sons Insurance Agency, James brings decades of experience in providing quality coverage and personalized service to local communities.
John A. Decker
Owner
Continuing the family legacy, John oversees strategic operations at Decker & Sons Insurance Agency, maintaining the tradition of community-focused service established by previous generations.
Brian Kelham
Agent
As Somerset Center office agent, Brian provides personalized insurance solutions while maintaining the agency's commitment to local expertise and customer satisfaction.
Nikki Trumble
Agent
Nikki serves as a dedicated insurance agent in Addison, combining product knowledge with community understanding to help clients find optimal coverage solutions.
Jane Branch
Agent
Jane provides insurance expertise in the Addison office, drawing on extensive experience to assist clients with their personal and commercial insurance needs.
Questions
What types of insurance do you offer?
We offer auto, home, life, commercial, motorcycle, and recreational vehicle insurance with customizable coverage options.
Are you a local business?
Yes, we're a fifth-generation family-owned insurance agency serving Addison, Onsted, Somerset Center, and surrounding Michigan counties since 1897.
How do you help with insurance claims?
Our claims representatives prioritize prompt resolution, working to restore clients' properties and situations as quickly as possible after covered losses.
Do you offer insurance discounts?
Yes, we offer discounts for mature drivers, good students, safety features, and multi-policy bundling across our insurance products.
What areas do you serve?
We serve Lenawee County (Addison, Onsted), Hillsdale County (Somerset Center), and Jackson County communities in Michigan.
