Fitzpatrick Gold

Michigan homeowners

choose us for a reason

Fitzpatrick Gold

Home Coverage For Michigan Residents

Homeowners insurance or home insurance for short is one of our specialties at Fitzpatrick Insurance. Home insurance isn’t technically required by law, but is an absolute must-have for every homeowner. Not only does it protect your home and possessions against accidents, damage, or theft, but virtually all loans require borrowers to have coverage for the fair market value of a property and won’t give a loan without a suitable policy in place. Policies can come with a variety of premiums and coverages. What is a qualifying event for a claim? What is the reimbursement limit on the policy? What kind of deductible will you pay in various scenarios? It’s important to work with experienced professionals to ensure you get the right coverage. The main functions of home insurance include:

  • Coverage for your home, garage, and other structures.

  • Coverage for your personal belongings.

  • Paying for you to live elsewhere while your house is being repaired or your claim is being processed

  • Liability coverage if you’re held legally responsible for damage or injury to someone else.

Most homeowner’s policies cover your home and property for any cause of damage, but some are specifically excluded so it’s essential that you understand what your policy covers. Some of the most common causes of homeowners insurance claims include wind, fire, hail damage, and lightning strikes.

Just because you don't own a home, doesn't mean you shouldn't look to protect your possessions. Renter's insurance policies cover things like electronics, appliances, furniture, clothing, jewelry, and other valuables that are still essential to protect.

Whether you're in need of a policy for an upcoming move or just looking to reevaluate your premium and coverage, our professional team of agents are standing by to assist you!

Even if your condo association has their own insurance policy, there may be many cases where their policy doesn't go far enough to address your needs. Depending on the policy, certain extraordinary events like break-ins, water damage, or injury liability may not be covered. Give us a call today and we will help you investigate supplementary policies and work with you to ensure you receive a full breadth of coverage!

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What Our Customers Say

Don't Just Take Our Word For It,

Jessica Daenzer

Fitzpatrick Insurance Customer


I cannot recommend them enough for your insurance needs! The company is efficient, thorough, and extremely friendly. Michelle has helped my husband and I both for our home and vehicles. She is truly incredible at what she does! We are thankful to have found this agency and look forward to continuing services 😊


A Proud Michigan-Based Company

You Could Work With The Other Guys, or you could work with a professional team that lives, works, and specializes in Michigan Insurance. 

We Know the Michigan market, what’s important to cover here, and what can be engineered to save cost. Rest assured, your policy with us will be highly specialized to be the best policy possible for your Michigan home.

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A Family Endeavor

Sharon Fitzpatrick and her late husband, Paul, moved to Elk Rapids from New York in the early 1990s. In 1996, she opened her own insurance office in Elk Rapids as part of the Larkin Group. Then, in 2000, she left the group to create Fitzpatrick Insurance – an independent agency focused wholly on the customer. 

As Sharon, moved towards retirement, a new generation stepped in to carry the torch. However, the ethos remains the same.

We operate on a basic principle – to educate and shoot straight. As insurance instruments become increasingly complex, we keep our client’s best interests in mind and strive to help them understand and navigate their options. 

Honesty and proven experience take the hard work out of buying insurance. Want to meet our team and hear more about what sets us apart?

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