Multiple Companies Offered
Offering competitive quotes with multiple insurance carriers. We do the shopping for you.
Find The Best Price
Our friendly agents work for you to provide the right coverage at the best price.
Coverage You Can Count On
Service you can trust to create an insurance program that covers you when you need it.
Competitive Commercial & Business Insurance
Competitive Commercial & Business Insurance
Frequently Asked Questions
Some common questions we are asked.
What is the benefit of having an agent represent me?
An insurance agent can help you through the buying process and beyond. Some of the benefits of working with an insurance agent are:
- An insurance agent can help determine the right amount of coverage for your needs.
- An agent can help you understand the different insurance terms and coverages.
- As an independent insurance agent, we can help you compare prices from multiple insurance companies to help you find the best coverage and price.
- We are local to your area and experienced in the needs of your area.
- An agent can help you at any time throughout your policy if you have any questions, changes or need to file a claim.
How much does it cost to speak with an agent?
Whether you’re a client or shopping for insurance, there is no charge to speak to an agent about coverage or to get a quote.
Can I save money by bundling my home and auto insurance?
Bundling your home and auto insurance with one company is a great way to save money on insurance. In some cases, bundling is not less expensive than placing your policies with different insurance carriers. That is why working with us to shop for your insurance is beneficial. As an independent agent, we quote your insurance with multiple carriers finding you the best options for price and coverage to meet your needs.
How soon after an accident should I contact my agent?
It’s always a good to report the accident as soon as possible. However, that may not be something you can do right away if you were injured. But if your injuries aren’t life threatening, you can call your agent on your cell phone, from the hospital or when you get home.
Is business insurance legally required for small businesses?
Business insurance is not legally required. However, it may be required to obtain financing, or in attracting customers. Running a business and foreseeing all the potential exposures you face can be challenging. Talking to an agent can help you better understand your risk and why insurance is an important component to your business planning.
Who needs workers’ compensation insurance in Michigan?
Michigan law requires that an employer must be able to prove it can pay benefits in the event that a worker is injured on the job. It is important to understand what workers’ comp covers and when it is mandatory.
An employer must carry workers’ compensation insurance in Michigan if:
- It employed one or more people for 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks (or one year).
- It is a private employer that regularly employs three or more people at a time.
- It is an agricultural employer that employs three or more employees for 35 hours or more per week for 13 or more consecutive weeks.
- It is a household that employs domestic servants for 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.
- It is a public employer.
What is an insurance declaration page?
A declaration page is part of your policy that includes your name and address, descriptions of the insured property or vehicle(s) and your premium. It outlines your policy’s coverages, limits, deductibles, discounts and relevant insurance policy forms and endorsements.
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See what they had to say about us!
“I am totally satisfied with my car and my house renters insurance from Future Insurance! Thank you so much Emma Rogers for all your help and professional knowledge. It is awesome doing business with you and Future.”
“Got a great deal on our homeowners! Kristina has always been great to work with!”
“Love Future Insurance! Everyone there is so nice and friendly and very helpful! Would highly recommend them to anyone I know!”
“Emma made it so easy to switch over to Future Insurance. She is very helpful and friendly and so professional.”
“Emma Rogers is always great to work with. She got me the best deal she could on car insurance and very affordable. Highly recommend Future Insurance for all your insurance needs!”
“Future Insurance Agency is the best!!! I would highly recommend them to anyone I could – already recommended family and friends of course! They are your GO-TO!”
“Very helpful, nice people!”
“Brittani is the bomb!”
“Awesome people, knowledgeable service, would certainly recommend!”
“Always excellent service. My insurance agent always returns my call as soon as she is able to. She answers my questions with care and thoroughness and expertise. I am very satisfied with the Auto Insurance this agency provides.”
“Great friendly staff. I got a great deal on renters and car insurance when i bundled together. They were awesome to work with. I totally recommend Future Insurance!”
“I have always done my business here no complaints.”