Carrier Spotlight: Citizens Insurance


Click here or call (810) 653-2602 to request a Citizens Insurance quote


Personal & Commercial Property and Casualty Insurance


Citizens Insurance Company of America, based in Howell, Michigan, is a leading provider of personal and commercial property and casualty insurance, primarily in the Midwest. Founded in 1915, Citizens is a member of The Hanover Insurance Group, based in Worcester, Mass.

The Hanover is one of the top 25 providers of property and casualty insurance in the United States. For more than 160 years, the company has provided a wide range of property and casualty products and services to businesses, individuals, and families, through a select group of independent insurance agents and brokers. Give us a call and let us give you a quote!


Citizens Insurance Home Insurance


Citizens Insurance offers homeowners’ insurance policies, as well as coverage for condos and renters.

A homeowners’ insurance policy from Citizens Insurance protects your home and personal belongings from a variety of damage-causing risks. Citizens Insurance Home Insurance policies provide additional coverage for replacement costs and water backup, in addition to service lines protection for your power lines, phone and cable lines, water and sewer pipes, and more. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

For condo owners, an insurance policy from Citizens Insurance will cover your dwelling, personal belongings, loss of use, personal liability, and medical payments to others. Lastly, Citizens Insurance offers renters’ insurance, which covers personal belongings, loss of use, personal liability, building additions and alterations, medical payments to others, and a variety of other options.

Overall, Citizens Insurance has reliable property insurance options for a variety of situations.


Citizens Insurance Auto Insurance


Citizens Insurance is an average car insurance company given its middle-of-the-road premiums, even though it has strong customer service. Citizen’s NAIC rating is 0.77, which means it has fewer customer complaints than its average competitor, adjusted for size.


Top Citizens Auto Insurance Discounts

Multi-car discount, paid-in-full discount, and accident prevention course discount.

Basic Citizens Insurance Coverage Options

Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options

New car replacement and deductible dividends.

Other Specialty Auto Insurance

Motorcycle insurance, antique cars, ATVs, golf carts, snowmobiles and more.

Other Citizens Insurance perks worth considering

In addition to home and personal auto insurance, Citizens Insurance also offers other insurance policies, including:

  • Umbrella insurance: Policyholders who want extended liability protection may consider purchasing a separate umbrella policy.

  • Watercraft: If you own a boat, The Hanover could provide additional protection, including coverage for fishing equipment, recovery and salvage and towing and assistance.

  • Recreational vehicles: This policy from Citizens Insurance is intended for vehicles such as golf carts and snowmobiles, as well as ATVs, antique vehicles, motorhomes and even more. Coverage for these vehicles can be included through an active auto or home policy with the Hanover.

  • Business insurance: Business owners can purchase policies such as general liability, property and professional liability insurance for business from The Hanover.

Other Industries and products we specialize in at The Fulcher Group:

Manufacturing Insurance

Automotive Manufacturing Insurance

Tool & Die Shop Insurance

Staffing Agency Insurance

Food and Agriculture Insurance

Freshwater Technology and Services Insurance

Non-Profit Insurance

Cannabis Facility Insurance

Investment Properties – Commercial landlord Insurance

Habitational/Hospitality Insurance

Medical Malpractice Insurance

Elementary and Secondary (K-12) School Insurance

Home Insurance

Condo Insurance

Renters Insurance

Motorcycle Insurance

Watercraft Insurance

Umbrella Insurance

Small Business Insurance


The Fulcher Group offers in Davison, Burton, Flint, Fenton, Beecher, Flushing, Grand Blanc, Goodrich, Swartz Creek, Linden, Mount Morris, Clio, Argentine, Otisville, Lapeer, Genesee, Michigan, and surrounding areas.

329 N State Rd, Davison, MI 48423

(810) 653-2602

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CA License: 0G47886

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