Frequently Asked Questions

Where are you located? 

6261 lake Michigan Dr STE A Allendale MI 49401 

What are your hours? 

The office is open from 9AM-5PM however we do have after hours services until 9PM on weekdays and 8AM-12PM on Saturdays to help with your insurance needs. 

Can I text you? 

Yes our phone number will receive text messages and we are happy to communicate that way if it is the most convenient for you. 

Where can you write Business?  

Anywhere in Michigan

What types of insurance do you write?   

Home, Auto, Umbrella, Business, Life, Disability, Bonds, we can even write pet insurance. 

Why should I do business with you? 

We are a local based company who are here to sever you.  We pride ourselves on being an advocate for our customers and will fight for you to make sure you are taken care of the way you should be.  

How do I know I’m getting the best deal? 

We are happy to review your policy any time to make sure all your discounts are on your policy we can meet in person, virtually, or over the phone.  I’ve even done review via text message. 

Can you only write Farm Bureau Insurance? 

Usually Farm Bureau is our best option however we do have the options to shop with other carriers if need be. 

Why do I need insurance? 

The main reason you need insurance is to protect your assets and your future.   Your assets are protected under the property coverage and your future is under your liability.  Most people don’t know what you can not only be sued for what you have but what you will have in the future. This can include what you will earn in the next 20 years.  

Do you offer military discounts?

Yes we do

Do you have employment or membership discounts?  

We have discounts for over 1000 clubs, organizations, employment, and alumni I am sure you qualify for at least one just ask for a review and we are happy to look into it for you. 

Why do I need a membership? 

Farm Bureau like AAA is a membership based company so we do require a membership for our Auto polices. This membership comes with some great benefits including increasing your towing coverage up to $300  other benefits are listed here Member Savings | Michigan Farm Bureau Family of Companies (

What does Michigan No Fault Insurance Really Mean? 

Michigan law requires you to have no-fault automobile insurance on your car. If you have an accident, this required insurance pays for injuries to people and for damages your car does to other people's property and to properly parked cars. IT DOES NOT PAY FOR ANY OTHER DAMAGE TO CARS.

What changed with No Fault Reform in 2020?     

Under the new law, after July 1, 2020, drivers must select whether they wish to continue with “unlimited” coverage or whether they'd like to cap their coverage at $50,000 (if they are enrolled in Medicaid), $250,000 or $500,000.

IF I select a lower PIP Coverage why do I have to sign the forms every renewal? 

Farm Bureau is required to have a new PIP selection  form on file for the state at every renewal.  This is to protect the clients to make sure they know the coverage they have and give them an opportunity to make changes to their PIP coverages. We must also get updated insurance information for anyone who opts out as people change their medical coverage often and we need to make sure the coverage still fits in the state law guidelines.