Your home is your most valuable asset. We make sure your policy covers it the right way — not just on paper. Serving homeowners across New England, Michigan & Pennsylvania.
Fast, free, no obligation.
No spam. We'll call once to walk through your options.
A good homeowners policy protects the structure, your belongings, and your liability — all in one place.
Covers damage to the structure of your home from fire, wind, lightning, falling objects, and vandalism. The foundation of every homeowners policy.
Your furniture, electronics, clothing, and valuables. We make sure limits are adequate for what you actually own — not just what fits on a form.
If someone is injured on your property, liability coverage protects you from lawsuits and legal costs. Often the most underestimated coverage.
Covers hotel and living expenses if your home becomes uninhabitable due to a covered loss. You won't be left scrambling for a place to stay.
Optional but essential — covers water damage from backed-up drains and sump pumps. A common and costly claim that standard policies often exclude.
Farmers' Guaranteed Replacement Cost option covers the full cost to rebuild your home even if it exceeds your policy limits — no cap, no shortfall.
Farmers offers tiered home coverage so you can choose the right level of protection for your home and lifestyle.
Solid foundational coverage for homeowners who want reliable protection at a straightforward price.
Expanded coverage for homeowners who want fewer gaps and broader protection on their most valuable asset.
The most comprehensive Farmers homeowners coverage — built for those who want maximum protection and flexibility.
Not sure which plan fits? We'll walk you through it. Schedule a free review →
Most agents just run your address through a system and give you a number. We review what you actually own, what your home is worth to rebuild, and what gaps might be lurking in your current policy.
These are the mistakes we see most often when reviewing existing policies — and they can cost you dearly in a claim.
The most popular way to save — combine policies and reduce both premiums.
Monitored alarms, deadbolts, and smart security systems earn real discounts.
Newly built or recently renovated homes often qualify for lower rates.
A clean claims record is rewarded with preferred pricing over time.
Pay your annual premium upfront and avoid installment fees.
Smoke detectors, sprinklers, and fire extinguishers can all reduce your rate.
"We highly recommend The Michels Agency! They recently gave us a quote for our home & auto, and were able to save us thousands for the year — better coverage with big savings! The quote is free and comes in quickly, give them a shot!"
"Amazing customer service. Very fast responses to my questions. The Michels came up with the right personalized options for all my insurance needs. I highly recommend working with them!"
"I appreciate the level of service provided — the attention to detail was fantastic. It's the trusted partnership I appreciate, someone doing what is best for you. Thank you."
A free coverage review takes 20 minutes and could save you from a six-figure gap when you need your policy most.