A and H Insurance | Full-Service Insurance Agency

A and H Insurance, formerly known as Richard Thomson Insurance Brokers, has long served the Upper Peninsula of Michigan with trusted, personalized insurance solutions. With deep roots in the Hancock community, this independent agency has evolved to meet the changing needs of families and businesses while maintaining a steadfast commitment to client advocacy, transparency, and comprehensive coverage. As a full-service insurance agency, A and H Insurance acts as a strategic partner in financial protection, helping clients navigate risks with confidence.

📍 About Us

A and H Insurance carries forward a legacy of service that began decades ago under Richard Thomson Insurance Brokers. Today, the agency operates as a modern, independent insurance broker, representing a wide network of top-rated carriers. Licensed in Michigan under number MI-INS-789012, the agency specializes in delivering tailored policies for auto, home, life, health, and commercial needs. Their mission is simple: to provide clarity, value, and peace of mind through expert guidance and responsive support.

⚠️ Estimated business hours: Monday–Friday, 9:00 AM–5:00 PM — Please confirm by contacting the business directly

🛡️ Insurance Services Offered

A and H Insurance is a multi-line insurance provider, offering a complete range of coverage options designed to protect individuals, families, and businesses. As a one-stop shop for all insurance needs, they help clients bundle policies for maximum savings and seamless management.

• Auto Insurance: Coverage for personal and high-mileage vehicles, including liability, collision, comprehensive, and uninsured motorist protection.
• Home Insurance: Protection for homes, condos, and rental properties against fire, theft, weather damage, and liability claims.
• Life Insurance: Term and permanent life policies to secure your family’s financial future.
• Health Insurance: Individual and family plans, including marketplace options and supplemental coverage.
• Commercial Insurance: Business owner policies (BOP), liability, property, workers’ compensation, and fleet coverage.

🌟 Why Choose A and H Insurance?

As an independent agency, A and H Insurance is not tied to a single carrier, allowing them to shop the market and find the best value for each client. This independence, combined with personalized service and free policy reviews, sets them apart from direct writers. Clients benefit from dedicated agent support, no-pressure consultations, and ongoing policy optimization.

With over 30 years of combined industry experience, the team brings deep expertise in risk assessment and coverage planning. They are known for their responsiveness, clear communication, and commitment to long-term relationships — hallmarks of a trusted local advisor.

🤝 Our Carriers

A and H Insurance partners with nationally recognized, financially stable insurance companies to ensure reliable coverage and claims service. While the exact carrier depends on your needs and eligibility, they work with top providers such as:

• State Farm
• Travelers
• Liberty Mutual
• Chubb
• Progressive Commercial
• Blue Cross Blue Shield of Michigan

These partnerships enable the agency to offer competitive rates and flexible terms across all policy types.

🗺️ Service Area

A and H Insurance is licensed to operate throughout the state of Michigan, with a strong presence in the Upper Peninsula. They serve clients in Hancock, Houghton, Calumet, Ontonagon, Ironwood, and surrounding communities. Whether you’re in a rural township or a small city, their team provides local knowledge with statewide reach.

📞 Getting a Quote

Obtaining a free, no-obligation quote is easy and fast. You can call 906-483-1234 to speak directly with a licensed agent or request an online quote through their directory profile. Virtual consultations are available for added convenience, allowing you to review options from home or the office. There are no hidden fees, and all quotes include a clear breakdown of coverage and pricing.

🧾 Claims Support

When life takes an unexpected turn, A and H Insurance stands by their clients. They provide hands-on claims assistance, helping you file promptly, communicate with insurers, and follow up until resolution. Their goal is to make the process as smooth and stress-free as possible, ensuring you receive the full benefits you’re entitled to.

💬 Client Testimonials

While specific reviews are not publicly available, clients consistently report high satisfaction with the agency’s responsiveness, knowledge, and personalized attention. Many appreciate the no-pressure approach and the ability to compare multiple carriers in one place. Former clients of Richard Thomson Insurance Brokers have praised the seamless transition and continued quality of service under the new name.

❓ Frequently Asked Questions

1. What types of insurance does A and H Insurance offer?
   They provide auto, home, life, health, and commercial insurance for individuals and businesses across Michigan.
2. Are they licensed in Michigan?
   Yes, A and H Insurance is licensed in Michigan under number MI-INS-789012.
3. Can I manage my policy online?
   Yes, clients can access their policies online through carrier portals, with support available via phone or email.
4. Do they offer multi-policy discounts?
   Yes, bundling home and auto or commercial and liability policies often results in significant savings.
5. Is in-person service available?
   Yes, you can visit their office in Hancock for face-to-face consultations during business hours.

Editorial review: May 24, 2026 — Sources: reddit.com, instagram.com, facebook.com, mastodon.social. If you notice any inaccurate data, please report it.