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HomeHome Insurance AgentsMichigan › Charlotte

Find Home Insurance Agents Near You in Charlotte, MI

Browse home insurance agents serving Charlotte, Michigan. Updated 2026-07-14.

The top-rated home insurance agent in Charlotte, Michigan is Ridge Tefft - State Farm Insurance Agent, rated 4.9 stars across 908 reviews. Other highly rated options include Dalessandro Agency Inc, Russell and Schrader Insurance Agency, Matt Stoken - State Farm Insurance Agent. This directory lists 11 home insurance agents serving Charlotte.

Showing 11 home insurance agents in Charlotte, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ridge Tefft - State Farm Insurance Agent138 S Cochran Rd Ste A(517) 543-2850
2Dalessandro Agency Inc315 Lansing St(517) 543-3200
3Russell and Schrader Insurance Agency239 S Cochran Rd(517) 543-1740
4Matt Stoken - State Farm Insurance Agent343 Cochran Ave(517) 543-5600
5Midstate Title Agency123 S Cochran Rd Suite B(517) 543-9011
6Charlotte Insurance Inc239 S Cochran Rd(517) 543-0560
7Farmers Insurance - Nathaniel VanStee121 Cochran Ave(517) 210-2081
8Nick Cypher Agency, Charlotte - Farm Bureau Insurance430 State St(517) 541-1400
9Farm Bureau Insurance aka FBI430 State St(517) 543-5565
10P & P Insurance Group LLC.111 W Lovett St(517) 999-5541
RT
138 S Cochran Rd Ste A
Ridge Tefft - State Farm Insurance Agent
Home Insurance Agent · Charlotte, MI

Ridge Tefft - State Farm Insurance Agent serves the Charlotte, Michigan area and surrounding Eaton County as a home insurance agent. The agency assists homeowners in evaluating property coverage needs for structures and personal belongings. It also helps clients understand how liability protection works in the event of accidents on their premises. Additional services include reviewing policy limits to ensure adequate coverage for potential rebuilding costs. In this region, the agency handles home insurance for single-family residences and seasonal properties.

DA
315 Lansing St
Dalessandro Agency Inc
Home Insurance Agent · Charlotte, MI

Dalessandro Agency Inc in Charlotte, MI offers a comprehensive range of home insurance services designed to protect residential properties. Their offerings include standard coverage for a home’s structure and personal belongings, as well as liability protection for accidents on the property. They regularly review policy details with clients to ensure coverage matches current needs. The agency draws on broad knowledge of local weather and market conditions to recommend appropriate deductibles and endorsements. They service single-family homes, apartments, retail spaces, and restaurants.

RS
239 S Cochran Rd
Russell and Schrader Insurance Agency
Home Insurance Agent · Charlotte, MI

Russell and Schrader Insurance Agency serves homeowners, property managers, and local businesses throughout the Charlotte, MI area. As home insurance agents, they help clients secure coverage that protects dwellings and personal property from common regional risks. Policy options typically include dwelling, liability, and contents protection tailored to individual needs. Their work involves explaining coverage limits and deductibles so customers can make informed decisions. In addition to serving the Charlotte community, the agency also provides its services to residents and property owners in nearby Eaton Rapids and the surrounding southern Eaton County area.

MS
343 Cochran Ave
Matt Stoken - State Farm Insurance Agent
Home Insurance Agent · Charlotte, MI

Serving Charlotte, Michigan, and the surrounding communities, Matt Stoken - State Farm Insurance Agent provides home insurance coverage to local homeowners. Its team handles protection for the house structure, personal belongings, and liability, along with additional options for specific risks. The agency aims to review each client’s unique situation and property details. By assessing individual needs and explaining available coverages, it works to find a suitable policy for each home.

MT
123 S Cochran Rd Suite B
Midstate Title Agency
Home Insurance Agent · Charlotte, MI

When purchasing a home, homeowners can choose either a one-time lender policy or recurring homeowner coverage to protect their property. Midstate Title Agency, serving Charlotte, MI, as a home insurance agent, helps clients understand these different policy types and match coverage to their specific needs. The agency works with standard property insurance options that safeguard dwellings and personal belongings from common local risks. Services are available on an as-needed basis for policy purchases, updates, or questions about existing coverage.

CI
239 S Cochran Rd
Charlotte Insurance Inc
Home Insurance Agent · Charlotte, MI

Charlotte Insurance Inc specializes in matching homeowners with standard and high-value residential policies tailored to their specific property needs in Charlotte, Michigan. The agency also provides general coverage advice and risk assessments to help protect local homes from financial loss. Seasonal concerns such as ice dam damage from harsh Michigan winters or wind-related losses from summer storms are addressed through policy review and custom endorsements. This includes assisting clients with claims filing after a severe weather event impacts their property.

FI
121 Cochran Ave
Farmers Insurance - Nathaniel VanStee
Home Insurance Agent · Charlotte, MI

As the chill of a Michigan winter sets in and ice accumulates on roofs and driveways, a property owner faces rising risks that require a thorough policy review to protect against potential damage. Farmers Insurance - Nathaniel VanStee offers guidance on home insurance coverage tailored to these specific seasonal threats in Charlotte and its surrounding communities. The team works closely with homeowners to identify vulnerabilities and ensure adequate protection against wind, snow, and freezing pipes. An initial phone consultation is promptly arranged to schedule an assessment of the property.

NC
430 State St
Nick Cypher Agency, Charlotte - Farm Bureau Insurance
Home Insurance Agent · Charlotte, MI

The Nick Cypher Agency, Charlotte, operating as Farm Bureau Insurance, provides homeowners with essential property coverage to protect against common regional risks. Policyholders can further customize their plans with additional endorsements, including protection for valuable personal property, identity theft resolution services, and coverage for sewer or drain backups. This local agency serves a variety of commercial sectors, including professional offices, warehouses, and food service establishments, tailoring policies to their specific operational needs.

FB
430 State St
Farm Bureau Insurance aka FBI
Home Insurance Agent · Charlotte, MI

Farm Bureau Insurance, doing business as FBI, serves Charlotte and the surrounding area through its home insurance agency. This agency helps residential clients protect their property and belongings with appropriate coverage. Commercial insurance is also available for local businesses needing tailored protection. The agency covers a broad service area around Eaton County. Between regular visits or policy reviews, the team remains attentive to follow-up requests and any adjustments to coverage that a returning client may need.

PP
111 W Lovett St
P & P Insurance Group LLC.
Home Insurance Agent · Charlotte, MI

P & P Insurance Group LLC in Charlotte, MI, is known for helping local homeowners find suitable coverage for their properties. Its service range includes evaluating dwelling protection and personal liability options to safeguard against common regional risks like storms. The agency works with clients to tailor policies that meet individual needs and offers guidance on understanding deductibles and replacement cost structures. A typical add-on specialty service is securing coverage for detached structures such as garages or sheds.

FI
121 S Cochran Rd
Farmers Insurance - Nathaniel VanStee
Home Insurance Agent · Charlotte, MI
(517) 210-2081
agents.farmers.com/mi/eaton-rapids/nathaniel-vanstee

What Does a 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.

About home insurance agents in Charlotte

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.

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.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.