Members Home and Auto

What Members Home and Auto does

Members Home and Auto, founded in 1997 and headquartered at 2855 Coolidge Highway, Suite 204 in Troy, Michigan, is an independent insurance agency operating under the brand "Members Home and Auto®" and doing business as "Members Bridge." The firm distributes personal and commercial insurance products through partnerships with Credit Unions, Associations, and Employers primarily in Michigan, representing more than 22 insurance carriers including Progressive, Travelers, Liberty Mutual, AAA, Chubb, The Hartford, Cincinnati Insurance, Foremost, and others. Its product surface spans nine personal lines (Auto, Classic Car, Home, Life, Watercraft, Motorcycle, Renters, RV, and Umbrella) plus a separate Members Business and Benefits division that delivers commercial property/casualty coverage (general liability, workers' comp, auto, property, professional liability, D&O, EPLI) and employee group benefits (medical, dental, vision, disability, life) to credit union member business owners. The agency is CCPA-compliant and markets through a content-rich resource center, email newsletter, and direct website/phone proposal flows; the website and content infrastructure are powered by the third-party Agency Revolution / FMG Suite platform rather than proprietary technology.

The business model is commission-based: as an independent agency, Members Home and Auto earns referral or agency commissions from carriers for each policy placed, with pricing quote-driven and dependent on individual risk profiles, coverage selection, and carrier representation. No public pricing tiers are disclosed; umbrella coverage is referenced at approximately $200 annually per $1,000,000 in additional liability protection. Go-to-market relies on channel partnerships with credit unions and associations, supplemented by direct inside-sales via website forms and a toll-free number (1-877-898-4102), and field/enterprise sales for the business and benefits segment. Pricing and customer information signals are not publicly disclosed beyond the umbrella reference; there is no parent company, no institutional investors, no public listing, and no proprietary technology product underlying the offering.

Name

Members Home and Auto

Legal name

Members Home and Auto

Website

https://membersbridge.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Members Home and Auto is an independent insurance agency headquartered in Troy, Michigan, distributing personal and commercial insurance through Credit Union, association, and employer partnerships across Michigan via more than 22 carrier relationships.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Personal lines insurance
• Auto insurance coverage
• Home insurance coverage
• Commercial insurance brokerage

Headquarters

HQ city

Troy

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, the company earns commissions from insurance carriers for policies sold. They represent multiple carefully selected insurance companies and earn referral or agency commissions on each policy placed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Members Home and Auto is an independent insurance agency that places personal lines policies (auto, home, life, classic car, watercraft, motorcycle, renters, RV, umbrella) on behalf of more than 22 carefully selected insurance carriers, primarily serving Credit Union members, Associations and Employers in Michigan since 1997. Through its Members Business and Benefits division, the agency also places commercial property and casualty coverage and employee group benefits for credit-union-member business owners.

Product overview

Members Home and Auto is an independent insurance agency offering personal insurance products (Auto, Classic Car, Home, Life, Watercraft, Motorcycle, Renters, RV, and Umbrella Insurance) through partnerships with multiple insurance carriers. They also provide business insurance through their Members Business and Benefits program, which offers commercial property and casualty coverage along with employee group benefits for Credit Union members. The agency operates on an independent model, representing multiple financially strong insurance companies to provide competitive coverage options.

Differentiator

Problem solved

Functional benefit

Brands

• Members Business and Benefits: Business insurance and employee benefits division serving business owners that are Credit Union members, offering Property and Casualty Insurance and Employee Group Benefits.

Products and services

• Auto Insurance Vehicle insurance providing legally required protection against damages, repairs, and liability for at-fault accidents, placed through multiple carrier partners for credit union members.
• Home Insurance Coverage for hazards including fire, theft, storm, wind, lightning, hail, and personal liability exposure such as slip-and-fall incidents and property-related lawsuits, placed across multiple carrier partners.
• Classic Car Insurance Specialized insurance for antique, collector, and classic cars covering full collectible value with customizable policies based on driving habits and storage.
• Life Insurance Term life policies for specific periods and whole/universal life insurance covering the insured for their lifetime with cash-value accumulation.
• Watercraft Insurance Boat and watercraft insurance covering physical damage, liability, towing and assistance, uninsured boater coverage, and personal property on vessels.
• Motorcycle Insurance Motorcycle coverage including collision, comprehensive, roadside assistance, bike accessories, total loss replacement, rental coverage, and trip interruption coverage.
• Renters Insurance Coverage for personal possessions, liability protection, guest medical coverage, and additional living expenses for renters' dwellings.
• RV Insurance Insurance for recreational vehicles combining auto and home protections, covering Class A, B, C motorhomes, fifth-wheel trailers, toy haulers, horse trailers, pop-up campers, and ATVs.
• Umbrella Insurance Personal liability insurance providing protection above auto and home policy limits, covering injuries, property damage, pet damage, dependent actions, and legal costs up to $5 million.
• Members Business and Benefits Business insurance and employee benefits program for credit union members offering commercial property/casualty (general liability, workers' comp, commercial auto, property, professional liability, D&O, EPLI) and group benefits (medical, dental, vision, disability, life, supplemental plans).

Quantifiable outcome

• Multiple A+ rated insurance carriers available for comparison

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

22 partnerships are on record, tiered core.

• Citizens InsurancecoreOthersInsurance carrier partner represented by Members Home and Auto. Claims: 1-800-628-0250, Service: 1-877-717-2887.
• Auto-Owners Insurance GroupcoreOthersInsurance carrier partner. Claims: 1-800-346-0346, Service: 1-877-898-4102.
• Frankenmuth InsurancecoreOthersInsurance carrier partner. Claims: 1-800-234-4433, Service: 1-855-596-0929.
• AAAcoreOthersInsurance carrier partner. Claims and Service: 1-800-207-3618.
• Accident FundcoreOthersInsurance carrier partner. Claims and Service: 1-888-275-6094.
• American ModerncoreOthersInsurance carrier partner. Claims: 1-800-375-2075, Service: 1-800-543-2644.
• CHUBBcoreOthersInsurance carrier partner (commercial and personal insurance). Claims: 1-800-252-4670, Service: 1-800-777-2131.
• The Cincinnati Insurance CompaniescoreOthersInsurance carrier partner. Claims: 1-877-242-2544, Service: 1-877-242-2544.
• Foremost InsurancecoreOthersInsurance carrier partner. Claims: 1-800-527-3907, Service: 1-800-435-7767.
• Grange Insurance AssociationcoreOthersInsurance carrier partner. Claims: 1-800-445-3030, Service: 1-888-836-6321.
• HagertycoreOthersInsurance carrier partner specializing in classic car insurance. Claims: 1-800-385-0274, Service: 1-877-922-9701.
• The HartfordcoreOthersInsurance carrier partner. Claims: 1-800-327-3636, Service: 1-866-467-8730.
• Liberty Mutual InsurancecoreOthersInsurance carrier partner. Claims: 1-800-255-2467, Service: 1-844-428-3609.
• Michigan Insurance CompanycoreOthersInsurance carrier partner. Claims and Service: 1-888-606-6426.
• Philadelphia InsurancecoreOthersInsurance carrier partner. Claims: 1-800-765-9749, Service: 1-877-438-7459.
• PioneercoreOthersInsurance carrier partner. Claims: 1-800-837-7674, Service: 1-810-600-3555.
• ProgressivecoreOthersInsurance carrier partner. Claims and Service: 1-800-288-6776.
• Safeco InsurancecoreOthersInsurance carrier partner. Claims: 1-866-272-3326, Service: 1-866-272-3326.
• SelectivecoreOthersInsurance carrier partner. Claims: 1-866-455-9969, Service: 1-866-332-6482.
• State AutocoreOthersInsurance carrier partner. Claims: 1-800-766-1853, Service: 1-800-444-9950.
• TravelerscoreOthersInsurance carrier partner. Claims: 1-800-252-4633, Service: 1-800-842-5070.
• Westfield InsurancecoreOthersInsurance carrier partner. Claims: 1-866-937-2663, Service: 1-800-241-0194.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• TruStage: TruStage (formerly CUNA Mutual's consumer insurance arm) sells credit-union-member-focused insurance products including auto, home, and life directly through credit union partnerships. Like Members Home and Auto, it leverages credit union distribution as its primary channel and offers multi-line coverage to member households.
• CUNA Mutual Group: CUNA Mutual Group is the dominant credit union insurance and protection provider, offering auto, home, life and commercial coverages distributed through credit unions nationwide. It is the most direct comparable to Members Home and Auto in terms of credit union distribution model and product breadth.
• Leavitt Group: Leavitt Group is a large independent insurance agency representing multiple carriers and serving personal and commercial customers, including credit unions and associations. Its multi-carrier agency model and partnership-led GTM are structurally analogous to Members Home and Auto, just at much larger scale.
• Lacher & Associates Insurance: Lacher is an independent insurance agency that partners with credit unions to offer member-focused personal insurance products. Its channel partner model and product set (auto, home, life) closely mirror Members Home and Auto's positioning within the credit union ecosystem.

Broad incumbents

• Hub International: Hub International is a large global insurance brokerage offering personal, commercial, and employee benefits solutions through a network of offices. Its independent agency/broker model, multi-carrier representation, and benefits capabilities closely parallel Members Home and Auto's Members Business and Benefits offering.
• Burns & Wilcox: Burns & Wilcox is a national wholesale insurance broker with specialty and surplus lines expertise, serving independent retail agents including those in Michigan. It overlaps Members Home and Auto's commercial distribution role and serves as an upstream partner for complex business risks.
• Progressive: Progressive is a national personal auto (and increasingly home) insurer that sells direct-to-consumer and through independent agents, including Members Home and Auto. As both a represented carrier and a direct competitor, it illustrates the dual-edged relationship between independent agencies and large carriers.
• AAA (Auto Club Group / AAA Insurance): AAA is a large affinity-based insurance carrier and agency selling auto and home insurance through club membership, with Michigan among its core markets. It overlaps Members Home and Auto's product set (auto, home, umbrella) and competes for credit union-adjacent household insurance budgets, but operates as a carrier-cum-affinity group rather than an independent agency.

Regional players

• Auto-Owners Insurance: Auto-Owners is a Lansing-headquartered regional P&C carrier represented by Members Home and Auto. It competes for the same Michigan personal lines market through independent agents but is itself a carrier, not an agency.
• Frankenmuth Insurance: Frankenmuth Insurance is a Michigan-headquartered regional P&C carrier that is one of Members Home and Auto's represented carriers. It competes for the same Michigan personal and commercial lines book, but as a carrier rather than an agency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MembersBridge
• LinkedInlinkedin.com/company/membersbridge

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Members Home and Auto