Beyond Insurance Group
About

About Beyond Insurance Group.

Beyond Insurance Group is an independent insurance agency based in Macomb, Michigan. We help families, homeowners, drivers and local businesses compare home, auto and business insurance from multiple carriers, and we stay with them as their agent at every renewal and every claim.

At a glance

Business name
Beyond Insurance Group LLC
What we are
An independent insurance agency (not owned by any one insurance company)
What we insure
Home, condo, renters, flood and umbrella insurance; auto, motorcycle, RV, boat, snowmobile, ATV and side-by-side insurance; collectibles and high-value items; pet insurance; business insurance
Based in
Macomb, Michigan (Macomb County, Metro Detroit). Organized as a Michigan limited liability company
Licensed in
20 states: Arizona, Colorado, Connecticut, Florida, Idaho, Illinois, Indiana, Maryland, Massachusetts, Michigan, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia, Washington and Wyoming. See our license list
Office
46819 Garfield Rd, Macomb, MI 48044
Phone (call or text)
(248) 220-3331
Email
team@beyond.insure
Hours
Monday – Friday, by appointment

Who we are

Beyond Insurance Group is a locally owned, independent insurance agency in Macomb Township, Michigan. Our name comes from a simple idea: insurance should do more than check a box. It should protect the home you've built, the car that gets your family where it needs to go, and the business you've worked hard to grow, so you can live beyond the worry of "what if."

Our mark is the eastern white pine, a tree that grows tall, stays green through every Michigan winter and lasts for generations. That's the kind of agency we want to be: steady, dependable and here for the long haul.

What an independent insurance agency does

A captive agent works for one insurance company and can only offer that company's policies. An independent agency like Beyond works with several insurance companies. That means we can:

  • Compare quotes from multiple carriers for the same coverage, so you can see your options side by side.
  • Explain the differences between policies in plain language: deductibles, limits, exclusions and endorsements.
  • Shop your coverage again at renewal if your price goes up or your needs change, without you having to start over with a new agent.
  • Help when you have a claim by answering questions, connecting you with your carrier and following up.

There's no extra charge to work with an independent agent for a quote. Like most agencies, we're paid a commission by the insurance company when a policy is placed.

Insurance we offer

Because we work with many insurance companies, we can cover far more than a house and a car. Here's what we help clients insure. Availability depends on your state and the insurance company, so just ask if you don't see something.

Home and property

A typical home policy covers the structure, your belongings, extra living costs if you can't live at home after a covered loss, and personal liability if someone is hurt on your property.

  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Landlord and rental property (dwelling fire) insurance
  • Vacation homes, cottages and cabins
  • Mobile and manufactured homes
  • Vacant and unoccupied homes
  • Flood insurance (National Flood Insurance Program and private flood)
  • Sewer and water backup coverage
  • Home-based business coverage

Auto and vehicles

Car insurance for individuals and families, including liability, collision, comprehensive, uninsured and underinsured motorist coverage, and roadside options. In Michigan, auto insurance follows the state's no-fault system, which includes Personal Injury Protection (PIP). Michigan drivers can choose among PIP medical coverage levels, and we'll walk you through what each choice means for you. Bundling home and auto with the same carrier often lowers the total price.

  • Auto and car insurance
  • Teen and new driver coverage
  • Classic and collector cars
  • Motorcycles
  • RVs and motorhomes
  • Travel trailers and fifth wheels
  • ATVs and 4x4s
  • Side-by-sides (UTVs)
  • Snowmobiles
  • Golf carts

Boats and watercraft

  • Boats and yachts
  • Pontoon boats
  • Fishing boats
  • Personal watercraft (jet skis)
  • Boat trailers and equipment

Valuables and high-value items

A standard home or renters policy has low limits for certain valuables. Listing (scheduling) high-value items on their own gives them their own coverage amount, often with broader protection and no deductible.

  • Scheduled personal property
  • Jewelry and engagement rings
  • Watches
  • Fine art
  • Collectibles (coins, stamps, trading cards and sports memorabilia)
  • Firearms
  • Musical instruments
  • Cameras and electronics
  • Bicycles and e-bikes

Liability and more

  • Personal umbrella insurance
  • Pet insurance for dogs and cats
  • Event and wedding insurance

Business insurance

Coverage for small and growing businesses.

  • General liability
  • Commercial property
  • Business owner's policies (BOP)
  • Workers' compensation
  • Commercial auto
  • Commercial umbrella
  • Professional liability (errors and omissions)
  • Cyber liability
  • Tools and contractor's equipment (inland marine)
  • Commercial flood

Where we work

Our office is on Garfield Road in Macomb Township, in the heart of Macomb County. We help families, drivers and businesses throughout Metro Detroit and Southeast Michigan, including:

Macomb County

Macomb Township, Sterling Heights, Warren, Clinton Township, Shelby Township, Chesterfield Township, St. Clair Shores, Roseville, Eastpointe, Fraser, Mount Clemens, Harrison Township, Utica, Washington Township, Romeo, Ray Township, Armada, Richmond, New Baltimore, Lenox Township, New Haven, Center Line and Bruce Township

Oakland County

Troy, Rochester Hills, Rochester, Royal Oak, Southfield, Farmington Hills, Novi, Pontiac, Auburn Hills, Waterford, West Bloomfield, Bloomfield Hills, Birmingham, Madison Heights, Ferndale, Berkley, Clawson, Oak Park, Hazel Park, Lake Orion, Oxford, Clarkston, Oakland Township, Commerce Township, White Lake, Wixom, Walled Lake, Milford, Highland and South Lyon

Wayne County

Detroit, Dearborn, Dearborn Heights, Livonia, Westland, Canton, Plymouth, Northville, Redford, Garden City, Inkster, Taylor, Romulus, Wyandotte, Southgate, Allen Park, Lincoln Park, Trenton, Woodhaven, Grosse Ile, Belleville, Hamtramck, Harper Woods and the Grosse Pointes

St. Clair, Livingston and Washtenaw Counties

Port Huron, Marysville, St. Clair, Marine City, Algonac, Brighton, Howell, Hartland, Ann Arbor, Ypsilanti, Saline and Chelsea

Because most of our work happens by phone, text, email and online forms, we also help clients across Michigan, from Metro Detroit to cottages and cabins up north.

States we serve

Beyond Insurance Group is licensed in 20 states. Michigan is our home (resident) state.

  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Idaho
  • Illinois
  • Indiana
  • Maryland
  • Massachusetts
  • Michigan (home state)
  • Missouri
  • North Carolina
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • Wyoming

License numbers for each state are on our Licenses page.

How it works

  1. Talk it through. Tell us about your home, vehicles, drivers or business. A short call, text or form is enough to start.
  2. We shop the market. We compare quotes across our carriers and explain the trade-offs in plain language.
  3. You choose. Pick the coverage that fits. Nothing is bound until you approve it and the insurance company confirms it.
  4. Stay covered. We review your policy every year and help with claims, changes and questions along the way.

Get a quote or ask a question

Call or text (248) 220-3331, email team@beyond.insure, or start a quote online. You're also welcome to visit our office at 46819 Garfield Rd, Macomb, MI 48044, Monday through Friday by appointment.