Two Locations to Serve You

Choose the most convient office to pay bills, update coverage, write new policies, etc.

Independent Agency

We represent many insurance companies, which means we can shop around your coverage, to get you the best deal.

Get a Quote

Allow us to give you a "no strings attached" quote. Unlike others, Bay Insurance does not use quote information for future marketing!

News & Announcements

Find the latest information on MI insurance. Also keep abreast of what is going on at Bay Insurance.

About Us

 Bay Insurance is proud to be a local, family-owned, independent insurance agency  That means we can offer quotes from various companies, to give you the coverage you need, at prices you can afford. Many of the companies we represent are Michigan only, with two of our homeowner's companies being headquartered in the Calumet area. Our community is important to us!


Family owned since 1991, when Roger Juntunen (now retired) founded the agency.
Trevor Juntunen is now the principle owner and agent. Trevor and his wife Val have three grown children, including a mentally handicapped daughter. He is currently serving on the Board of Directors for Great Lakes Mutual Insurance Company and The Baraga County Chamber of Commerce. He is also active with the Shriners and Masons, and as secretary in the Blue Lodge.

Cheryl Johnson is  a Licensed Agent and Customer Service Representative at our Houghton office. She retired, with 31 years, from Michigan Tech - Public Safety & Police Services and currently serves on the Lake Linden Housing Commission.

In addition to her office duties, Cheryl maintains our facebook pages and collaborates in marketing endeavors. Cheryl is also a Notary Public and offers notary services to our customers, free of charge!

TJ Juntunen (Trevor Jr) is moving back from Utah to join the Bay Insurance team! We are excited to have Bay Insurance continue as a family-run business. TJ will be starting out as a CSR to gain valuable experience. Priviously, TJ has worked in customer service and has office experience from working for the IRS.


Auto Insurance

Want to understand more about Michigan No-Fault and physical damage coverages? We have the knowledge and experience to answer your questions.

We also insure boats, RVs, snowmobiles, motorcycles, and more. 


Home & Property Insurance

Whether you need homeowners, renters, dwelling fire, seasonal, vacant, owner-occupied, special, broad or basic insurance - we explain exactly what you are paying for!

We love working with you, your realtor & financial institutions.


Business & Commercial

We have a wide variety of commercial products available, including: Business Owners Packages, Commercial Property, Comm. Auto, Business Liability, Professional Liability, Umbrellas, and Workman's Comp.

Contact Form (please see links above for quotes)

L'Anse Office

L'Anse Address:

719 E. Broad St.
PO Box 1
L'Anse, MI 49946

Houghton Office


501 E. Sharon Ave., Houghton, MI 49931
Note: We had to use 601 E. Sharon Ave to get the map correct; however, 501 E. Sharon Ave is the correct address.

Represented Companies

Bay Insurance writes business in Michigan for the following insurance carriers. Scroll for the full list. Click on company logo to visit their site.


719 E. Broad St
L'Anse, MI 49946

501 E. Sharon Ave
Houghton, MI 49931


L'Anse Phone: +1 906 524-5555
Houghton: +1 906 482-9997