Business Details
50+ Years
experience
Your Trusted Insurance Partner in Adrian, Michigan
Founded in 1910, Lenawee-Christmas Insurance has served Southeastern Michigan for over a century, combining tradition with innovation. Our independent agency prioritizes personalized service, representing multiple insurers to tailor coverage for personal and business needs. We utilize advanced technology for efficient policy management while maintaining ethical standards and community-focused values. With decades of collective experience, our team delivers expert guidance and dependable support to protect what matters most to our clients. 
Services
Personal Insurance
Business Insurance
Commercial Insurance
Farm Insurance
Auto Insurance
Home Insurance
Life Insurance
Recreational Vehicle Insurance
Health Insurance
Details
- Year established: 1910
Highlights and features
- We offer over 100 years of experience in personalized insurance solutions.
- Our independent agency represents multiple insurers for unbiased coverage options.
- We utilize state-of-the-art technology for efficient policy management.
- Our team provides ethical, client-focused service with local expertise.
- We maintain a legacy of trust and community commitment since 1910.
Services
Personal Insurance
We provide tailored personal insurance solutions, including auto, home, and life coverage. Our policies protect individuals and families with customizable options. Backed by over a century of experience, we ensure competitive rates and comprehensive protection for your assets and loved ones.
Business Insurance
Our business insurance services safeguard companies with specialized coverage for property, liability, and operational risks. We offer customized plans for diverse industries. With access to multiple insurers, we help businesses in Southeastern Michigan find cost-effective, reliable protection tailored to their unique needs.
Farm Insurance
We specialize in farm insurance, protecting agricultural operations with policies covering equipment, livestock, and property. Our solutions address the unique risks faced by farmers. With deep local knowledge, we provide dependable coverage to preserve your livelihood and investments in rural communities.
Auto Insurance
Our auto insurance policies offer comprehensive coverage for personal and commercial vehicles. We provide competitive rates through multiple carriers while ensuring personalized service. From liability to full coverage, we help clients secure protection that meets legal requirements and personal risk management goals.
Home Insurance
We offer home insurance policies protecting against property damage, liability, and loss of use. Our plans cover various residential properties, including standard homes and unique dwellings. By leveraging advanced technology, we deliver quick quotes and streamlined claims processing for homeowner peace of mind.
People
Timothy W. Bays
Agency President
With over 35 years in insurance, Tim Bays leads as Agency President, specializing in commercial, farm, auto, and home insurance. A lifelong Lenawee County resident, he ensures personalized service while managing agency operations in Adrian.
Craig Dilyard
Agency Vice President
Craig Dilyard, Agency Vice President since 2004, focuses on auto, home, farm, and commercial insurance. He continues his family's legacy in the business, providing expert guidance to clients across Southeastern Michigan.
Amy Bays
Administrative
Amy Bays handles accounting and administrative support at the agency, combining 15 years of pharmacy experience with insurance expertise. She prioritizes customer service while supporting daily operations in Adrian.
David S. Bird
Agent
David Bird, a licensed agent for 35+ years, specializes in life, auto, home, and RV insurance. With deep local roots, he provides personalized coverage solutions while actively engaging in community activities.
Elaine Dennis
Agent / Customer Service
Elaine Dennis brings 40+ years of insurance experience, focusing on home and auto policies. As a lifelong Michigan resident, she emphasizes prompt, compassionate service to meet clients' evolving protection needs.
Questions
What types of insurance do you offer?
We provide personal and business insurance, including auto, home, farm, commercial, life, recreational vehicle, and health insurance.
Why choose an independent agency?
As an independent agency, we represent multiple insurers to offer unbiased, tailored coverage options that best fit your needs.
Do you serve areas outside Adrian, Michigan?
We primarily serve Southeastern Michigan, leveraging our local expertise to meet regional insurance needs.
How do you use technology to improve service?
Our state-of-the-art systems enable instant rate comparisons and electronic policy transactions for faster, more efficient service.
What is your agency's history?
Founded in 1910, we are one of Lenawee County's oldest businesses, merging expertise from three legacy agencies over decades.
Reviews (2)
Brittany Bays
May 16, 2022
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It's never fun to have a home issue pop up unexpectedly, as I had happen recently! Water & mold in the basement has been a big hassle/lots of stress, but having the process explained to me, and being helped at every step made things much easier. Thanks for the amazing service!
Todd McIntyre
Jun 03, 2019
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Craig and the staff at Lenawee Christmas are excellent! Always have our best interest in mind when offering insurance options.
