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About Us

The agency was started in 1988 by The Williams family (Paul & Arlene Williams and Doug & Jennifer Williams). The agency is now owned by Doug & Jennifer Williams. The agency currently specializes in personal insurance and small to medium size commercial accounts as well as life and Retirement annuities. Commercial Programs include : Public & Private Golf Courses, Automobile collision repair facilities, Bulk Milk haulers program, Beverage distributor programs, Farmer/ Rancher commercial agribusiness programs, Automobile repair – Garage programs, Plumbing- Heating & Electrical contractor programs, Automobile parts store program, Restaurant and fast food franchise programs, and all main street business BOP programs as well as all standard lines of commercial coverage. Personal Insurance includes all the standard policies: Auto, Home, Boat, Motorcycle, Snowmobile, Motorhome & Travel Trailer. Basically all line of business.

Even though people are trying to use technology to complete some of life tasks to save time. Our agency believes strongly that there is no substitute for a face to face meeting when it comes to detail oriented tasks such as setting up an individual or business insurance program.

An Independent Advantage

We are Independent Agents in Houghton Lake, Michigan, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Williams, Douglas & Associates, Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.