North Country Insurance wildlife emblem: deer, raccoon, squirrel, and eagle among pines North Country Insurance Agency, Inc. 231-238-9882
A wooden runabout boat with a small red pennant crossing a calm Northern Michigan lake at golden hour, framed by tall pines, the sun low over a forested shoreline

Insurance for Life Up North.

North Country Insurance is the independent agency in Indian River that has covered Northern Michigan's homes, boats, sleds, and businesses since 1949. We shop your coverage across the carriers we represent, and when you call, someone here picks up.

Call 231-238-9882 Request a quote

What we cover

Around here one family might need coverage on a lake house, a pontoon, a truck, and a shop on Main Street. We understand and we are here to help because we live here too.

  • Boat & marine

    Talk to us about everything that runs from the Inland Waterway to the Great Lakes.

  • Auto

    Personal and commercial vehicle coverage, written by someone who can explain it in plain English.

  • Home & lake home

    Year-round houses, cottages, seasonal homes and rentals.

  • Business

    Contractors, shops and seasonal operations, written by someone who knows the season is short.

  • Life

    Life insurance without the hard sell, in amounts that fit real budgets.

  • Renters

    Coverage for your stuff.

  • Recreational vehicle & trailer

    Snowmobiles, motorcycles, ATV/UTV, motorhomes, trailers and more.

  • Umbrella

    An extra layer of liability protection above your auto and home limits.

  • Pet

    Vet bills happen to good dogs and cats. Policies can provide up to 100% reimbursement for covered vet bills. Contact us today!

Request a quote or call 231-238-9882

One local agency. The carriers you know.

We are an independent agency, which means we will shop for you across many carriers in an effort to find you the best coverage at the best rate. That is how our office has done it since 1949.

Have a policy somewhere else? Bring your declarations page and we will run an honest comparison, even if the answer is to stay put.

  • Auto-Owners Insurance
  • Progressive
  • Foremost Insurance
  • Hagerty
  • Bristol West Insurance
  • Northern Mutual
  • Pioneer State Mutual
  • and more
The North Country Insurance Agency storefront on South Straits Highway in Indian River, Michigan, with its lit sign and two Canada geese by the front door
3785 S. Straits Hwy., Indian River · resident geese included

Located in Indian River since 1949.

Same town, same highway, same friendly service. Walk in with a renewal notice, a new boat, or a no-fault question, and talk to an actual person who will be happy to help you.

North Country Insurance Agency, Inc.
3785 S. Straits Hwy., Indian River, MI 49749
Phone: 231-238-9882
Fax: 231-238-4321

Planning to stop in? Call ahead for current hours.

Area of operation

  • Michigan
  • Ohio
  • Indiana
  • Florida
Call the office Get directions

Writing policies across Northern Michigan.

Indian RiverCheboygan CountySince 1949

Vintage travel decal in the shape of Michigan, showing pines, a lake and a low sun Home office

All of Michigan including Indian River, Cheboygan, Burt Lake, Mullett Lake, Topinabee, Wolverine, Alanson, Petoskey, Gaylord, Onaway, and Mackinaw City, plus the townships, lakes, and two-tracks in between.

See every town we write →

We are also licensed in

  • Vintage travel decal in the shape of Ohio, showing farmland and a red barn Ohio
  • Vintage travel decal in the shape of Indiana, showing farm fields and a country road Indiana
  • Vintage travel decal in the shape of Florida, showing palm trees and water Florida

Drop us a line.

Tell us what needs covering. We will shop it across our carriers, then call you back and talk it through. No obligation.

Prefer the phone? 231-238-9882. Or just stop by the office. Mind the geese.