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719B E. Broad St.
P.O. Box 1
L'Anse, MI 49946
(800) 236-5502 or
(906) 524-5555


501 E Sharon Ave
Houghton, MI 49931


Bay Insurance has access to a variety of personal lines insurance companies and products. We offer coverage for homeowners, rentals, seasonal properties and vacant dwellings. We can insure autos in both the standard and sub-standard markets. A wide variety of recreational vehicle coverage including motorcycle, atv, snowmobile, jet ski, travel trailer and boat coverage.


We can insure businesses through either a Commercial Package Policy (CPP) or a Business Owners Policy (BOP). Property, liability, workman’s compensation and commercial auto are a few of the commercial lines we have available.

Group health and group life policies can also be written to cover employees and families.

Independent insurance agency!

Family owned and operated, Bay Insurance Agency is a full service, independent insurance agency offering a full line of insurance products. We have coverage available for home, auto, business, farm, life,  and recreational vehicles.

We Pride Ourselves On Our Personalized Service

See our list of companies we represent for an alphabetical listing of our carriers.

We are licensed to do business in Michigan, focused on writing insurance in the Western Upper Peninsula. Call us or stop by one of our offices located in Houghton and L’Anse.


We Can Help With:


  • Primary Homes
  • Rental Homes
  • Seasonal Property
  • Vacant Dwellings
  • Life Plans
  • Personal Umbrella


  • Automobiles
  • Motorcycle
  • ATVs
  • Jet Skis
  • Snowmobiles
  • Travel Trailers
  • Boats


  • Commercial Package Policy
  • Business Package Policy
  • Property
  • Liability
  • Workman’s Compensation
  • Commercial Auto
  • Commercial Umbrella
  • Group Health

And More!