I've had this policy for 30 years and they charged me for a fire place which I never had. I was not aware of this until another insurance agent told me about it. Hall & Marose wrote this policy for Auto Owners Insurance PO Box 30315 Lansing MI 48909-7815
Policy Number 96-539-367-00

I always paid this in advance one year at a time never had this checked by anyone else thinking they were an honest company.