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Find Home Insurance Agents Near You in Charlotte, MI
Directory of home insurance agents in Charlotte, Michigan. Verify credentials with the state department of insurance before hiring.
11 agents listed
Updated May 2026
Charlotte, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Michigan before hiring.
Showing 11 home insurance agents in Charlotte, MI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Ridge Tefft - State Farm Insurance Agent
138 S Cochran Rd Ste A, Charlotte, MI 48813
(517) 543-2850
ridgetefft.com
Dalessandro Agency Inc
315 Lansing St, Charlotte, MI 48813
(517) 543-3200
daimichigan.com
Russell and Schrader Insurance Agency
239 S Cochran Rd, Charlotte, MI 48813
(517) 543-1740
russellschrader.com
Matt Stoken - State Farm Insurance Agent
343 Cochran Ave, Charlotte, MI 48813
(517) 543-5600
stokensf.com
Midstate Title Agency
123 S Cochran Rd Suite B, Charlotte, MI 48813
(517) 543-9011
atatitle.com
Charlotte Insurance Inc
239 S Cochran Rd, Charlotte, MI 48813
(517) 543-0560
charlotteinsuranceagencyinc.com
Farmers Insurance - Nathaniel VanStee
121 Cochran Ave, Charlotte, MI 48813
(517) 210-2081
agents.farmers.com
Nick Cypher Agency, Charlotte - Farm Bureau Insurance
430 State St, Charlotte, MI 48813
(517) 541-1400
farmbureauinsurance-mi.com
Farm Bureau Insurance aka FBI
430 State St, Charlotte, MI 48813
(517) 543-5565
farmbureauinsurance-mi.com
P & P Insurance Group LLC.
111 W Lovett St, Charlotte, MI 48813
(517) 999-5541
Farmers Insurance - Nathaniel VanStee
121 S Cochran Rd, Charlotte, MI 48813
(517) 210-2081
agents.farmers.com
Home insurance agents in Charlotte Michigan help homeowners find coverage that protects their property and belongings. Michigan law does not require home insurance but mortgage lenders typically do. A local agent can explain policy options and help you understand Michigan specific coverage like water backup from sump pump failure.
What Does a Home Insurance Agent in Charlotte Cost?
The average cost of home insurance in Michigan is around 1,200 to 1,500 dollars per year for a standard policy. In Charlotte rates may vary based on your homes age, location, and claims history. Factors like roof condition and proximity to a fire station also affect your premium. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Charlotte do?
A home insurance agent helps you compare policies from different insurance companies. They explain coverage types like dwelling, personal property, and liability. They also help you file claims and adjust coverage as your needs change.
Do I need home insurance in Charlotte Michigan?
Michigan state law does not require homeowners to carry insurance. However most mortgage lenders require you to have a policy for the loan amount. Even without a mortgage insurance protects your investment from fire, theft, and weather damage.
How do I choose a home insurance agent in Charlotte?
Look for an agent who is licensed in Michigan and has experience with local risks like severe storms. Ask about their process for comparing quotes and handling claims. You can check an agents license through the Michigan Department of Insurance and Financial Services.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Michigan.