TRUSTED EXPERTS

We know insurance can be confusing - this is why we get to know our clients personally. We don't believe in a one-size-fits-all solution. Each family and situation is unique and we can help tailor an insurance plan to fit your needs.
From farm and home, to auto and life insurance plans, we can work with you to ensure you are correctly insured. We're here to help!

Generally, though, you should consider the following:

• Home Insurance (or renters, if you have an apartment or rent a home), including Lake Estate properties
• Auto Insurance - auto insurance is required in the State of Michigan
• Life Insurance - even a small term policy can make a big impact for your family
• Business Insurance - depending on your business, a general liability or business auto policy may be what you need
• Travel Trailers, RVs, Side-by-Sides, Jewelry and important and expensive items, boats, drones, solar panels and much more!
• Of course we also cover Farms, farm buildings, crops and farm animals.

Making a claim with Farm Bureau is easy! And if later you decide to NOT continue with the claim, we can close it with no penalty.

Making a claim is a decision you'll need to weigh, here are some things to consider:

• Is the claim greater than your deductible? If you have a $1,500 deductible and the damage is $2,000, that means you'll only see a $500 payout. Consider the  deductibles you set when you started your policy when you think about making a claim.  If you have questions about this, or the math, feel free to call the office.
• Have you made other claims in the past few years? Multiple claims can impact your insurance rate.
• If you can't financially recover from the loss. Insurance is made for things like this - financially substantial damage to your home or vehicle.
• Filing a claim for small amounts generally is not worth it. Rick's rule of thumb is if it's under $1,000, it's usually worth it to just pay the damage/ repair yourself. This does not apply to glass/ windshield claims.

Life insurance isn’t just for covering funeral costs—it’s a tool for long-term financial security.
For example, your policy can help your loved ones pay off a mortgage, cover college tuition for your kids, and even fund your retirement.
Additionally, life insurance can provide tax-free death benefits, allowing you to leave a legacy for charitable causes or ensure your family’s financial stability for years to come.
By building your policy with these things in mind, life insurance can offer more than just a safety net—it can be part of a broader financial strategy.

Reach out now to discuss how life insurance can serve your family’s financial goals. 

Many people aren’t sure how much life insurance they need. A general rule of thumb is to budget 2% of your household income for life insurance, but this doesn’t take into account your specific situation.
Factors like your debt (mortgage, car payments, student loans), the number and age of dependents, future educational expenses for your children, and even your spouse’s future income should all be considered.
That's a lot to think about!
We can help with a personalized needs analysis to ensure your family is well taken care of—no matter what happens. 

 Life insurance policies often offer living benefits, which means you may be able to access a portion of your death benefit if you’re diagnosed with a critical illness like cancer, stroke, or heart disease.
If you’re unable to work or face significant medical expenses, this can be a vital financial lifeline. Furthermore, certain policies may allow you to convert from a term policy to a whole life policy, depending on your health status.
Discussing your options with an agent can ensure that your life insurance policy offers the coverage and flexibility you need in the event of serious illness or injury.

Contact us today to explore life insurance policies that offer added security for life’s unexpected challenges.

When speaking with your agent to set up your policy, review any valuables you are concerned about. Our agents can review and recommend changes to ensure your valuables have proper coverage.

This can include items like 

• Wedding rings or other jewelry
• Snowmobiles
• Travel trailers
• Guns and sporting equipment
• Coin collections 
• Sewing machines
• Cameras and camera equipment
• Musical instruments

We're happy to talk with you about your unique items!