Lud Stoor Agency
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Lud Stoor Agency
When you need to choose an insurance agency, you can depend on the experienced staff at Lud Stoor Agency Inc and Miners State Insurance Agency to manage all your insurance needs. We are an independent agency dedicated to finding you the best protection plans from our wide variety of insurance companies. From your home and car to your business and health, we can get the right coverage for your budget and your needs.

We have been serving clients in the Upper Peninsula of Michigan for over 60 years as a family and locally owned agency. We are a Total Quality Agency through the Michigan Association of Insurance Agents and several of our agents have Certified Insurance Counselor status. Contact us today for a free quote and ask us about our multi-policy, safe driver, and good student discounts.

When it comes to protecting all aspects of your business, you can always trust our independent agents to find you the coverage that fits your specific needs. What would happen to you or your family if you could no longer provide for them?
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As an independent insurance agent, we work for you.
We are not obligated to any particular insurance company, so we are able to choose the best protection for your individual needs.
Visit Lud Stoor Agency Inc today or contact us for a free quote for your life insurance, financial insurance, and disability insurance needs.
We will provide a quote typically within the same day.
One of life's rewards for working hard and saving for a rainy day is achieving financial security.
One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.
A policy with state mandatory coverage only includes bodily injury, property damage, property protection, and personal injury protection coverage.
A policy with state mandatory coverage and physical damage includes these coverages along with collision and comprehensive.
We have over 60 years of experience.
Collision and Comprehensive coverage are required if your vehicle is financed or leased and are subject to a deductible.
Bodily Injury liability coverage protects you if you are involved in an accident in Michigan and you cause serious bodily injury to others.
The following coverage definitions should help you understand your homeowners insurance policy, but be sure to consult your insurance company representative to assure that you have the right coverage for your needs.
The dollar amount carried to cover your home and any structures attached directly to it.
Ideally, the amount of coverage you carry should equal the cost of rebuilding your home after a total loss.
Covers other structures set apart from the dwelling on the residence premises, such as a detached garage.
While the homeowners and personal auto policy provide sufficient personal protection for most losses, substantial claims sometimes require an additional layer of protection.
The additional protection is found in a Personal Umbrella Policy.
Because Personal Umbrella Policies are designed to provide additional coverage, insurance companies require certain primary or underlying coverages with at least a specific minimum limit of liability.
Peace of Mind - Unfortunately, society is extremely litigious.
The Auto Club Group (ACG) is a Dearborn, Michigan-based holding company comprised of six Midwestern AAA clubs serving members in eight states.
In addition, we own and operate The Auto Club Insurance Association, providing auto and home insurance to approximately 800,000 policyholders across the ACG territory.
In fact, we are the leading auto insurance provider and travel agency in several of the markets ACG serves.
The Auto Club Group also owns a major interest in AAA Life Insurance Company, which markets life insurance and annuity products to approximately 150,000 policyholders across the nation.
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