Working with Dennis has been such a great experience! He called right away when I sent in an online request for information and answered every single question. Dennis saved us so... much money with MORE coverage! I am so glad that we found McMichael Insurance. I highly suggest them to anyone and everyone I talk to now. Call them now and see what they can offer for you!read more
McMichael always has my back, finding me better insurance opportunities while at the same time reducing my cost. I’ve beefed with them for 30+ years and they have been doing a... great job handling my insurance needs.read more
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and... renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.read more
I am very pleased with the service that was provided for me, I couldn't find that kind of service anywhere else, the representative Was down to earth and very professional, I... highly recommend this company.read more
Laura & Faith worked with me to secure a landlord coverage policy. I will definitely be using their service in the future. They were quick to answer any request the lender had and... were following up during the process. Thanks Laura & Faithread more
Dennis was a rock star and was able to "swoop in" to provide an insurance quote for a Short Term Rental Property that I just acquired where other insurers couldn't/wouldn't.... Thanks, Dennis!read more
Dennis worked with me to get great renters, life, and auto policies that saved me hundreds! I had never worked with an insurance agency before so I approached with some... trepidation. But Dennis quickly put my concerns to rest with his detailed explanations and thorough research into my needs. Could not be happier with how my experience with this team has gone!read more
Michelle was so easy to talk to and work with. She worked hard to find us great policies and she saved us quite a bit of money. She was very responsive and easy to communicate... with. I highly recommend McMichael Insurance.read more
Dennis is absolutely a true consummate professional. He really did a deep dive and pointed out many aspects for improved insurance coverage opportunities while saving me money. I... highly recommend!read more
We are extremely happy in working with McMichael Insurance. We had been with another company for years and once we inquired about information and received our quote - there was... no turning back. The customer service is simply amazing!!read more
Excellent experience with this agency. Kristen Jordan is so personable and knowledgeable about insurance options. It was truly a joy to work with her in obtaining better insurance... coverages for both my home and automobiles. I highly recommend this agency, and especially agent, Kristen Jordan.read more
I would like to recommend McMichael Insurance once again this year with Josh contacting me during the Medicare enrollment period to see if there were any issues with my current... Medicare plan and also if I was satisfied with my Supplemental plan and we reviewed the costs and the services provided with the plan and we decided to remain with the same Medicare and the same Supplemental plan. There are not too many insurance companies that reach out and also have a service to provide help with Medicare and associated plans.Keep up the great job and the customer service.I had two great experiences with McMichael Insurance. One, I worked with Josh on Medigap insurance. He spent the time to go through all the plans and explanations on the plus and minus of the pertinent ones. He was very helpful.The second was with Mark regarding an auto and home policy review and a suggestion for a Hagerty policy for my sports car. Great recommendations.Keep up the good work.FrankWe have again had superior customer service during the past year with McMichael Insurance and they always keep us updated with their communications and with their e-mails with "things to consider" with both home and auto insurance.I have always received a quick response to my calls and the staff has always been helpful.Continued success during the year.I had a great experience working with Tammy about some questions that I had regarding adding a young driver to a policy. She responded quickly by phone and we had a great conversation and it was obviously she had a ton of experience and provided all the answers that I needed. She was very personable and it felt like I had known her for years.Another great experience with the agency.5-7-23I can't express how satisfied I have been with McMichael Insurance through the years. I have been a customer of McMichael for many years and have several relatives that are also customers and have been with the agency for as long as I have been.I am always contacted as my insurance is due to renew and we review the new rates and determine if there is a need to review my policy with other potential carriers for possible savings for comparable coverage.Great customer service and great follow-up to any questions or concerns. Keep up the great work.read more
Michelle is a Godsend! I had spent a couple weeks researching quotes for home and auto insurance. Everything I came across was way more than what I was paying. Michelle called me,... and said “baby let me work my magic”, and she did! She found great rates for me. She’s the best agent I’ve ever worked with. I feel like she’s been a real friend, and I’ve only known her for a short period of time. She makes sure every question is answered, she’s professional, she responds immediately, and she will take care of you. I’m confident that you would be pleased with her service too. I’d recommend her to anyone that’s looking for insurance to contact Michelle at this company. Ten stars!read more
The McMichael Team is always professional and friendly. Dennis has been a great help anytime we have had any questions or concerns about either of our policies. His knowledge,... advice and timely response is very much appreciated. Josh was very patient and informative when helping my husband through the daunting task of signing up for Medicare last year. He even touched base with us this year to make sure the plan we chose was still working for us. Thank you!read more
Dennis worked with me to find home & auto insurance that fit both my needs and my budget. He saved me a lot of time and the aggravation associated with vetting out insurance... companies on my own. Working with Dennis was a pleasure.read more
McMichael insurance is the best I have dealt with in 30 years!And Kathryn is an amazing client manager! She is not only great at her job, but she is the funniest client manager... also. If you ever get a chance to deal with her, look out cause she has some one liners that will have you rolling on the floor in stitches! Her humor takes the pain out of dealing with the arduous task of commercial insurance.read more
Absolute a great insurance agency all around. I have been in the transportation industry since 2008 and have experienced my fair share of decent insurance agencies, but you cannot... go wrong when selecting McMichael Insurance. They are extremely knowledgeable, provide outstanding customer service, quick to resolve any last minute issues, and the list truly goes on! I highly recommend and plan to be with the McMichael Insurance organization for the duration of my time in transportation. Give them a call, ask for Kathryn Wolf, she’s my agent, and I promise she will not disappoint! FIVE STARS ALL THE WAY WITHOUT HESITATION!read more
Kristen at McMichael Insurance was very helpful and met all of our needs. She went over and beyond to help us find the best rates . I would recommend her to anyone, a great... person to work with and company thank you for all of your help.read more
I am so happy with my new insurance that Kristen Jordan found for me and my son. Kristen took her time and due diligence to find the best deal out there for me and my son. I... highly recommend her and the company to anyone in the market or anyone looking to lower their insurance payment. She is the best of the best!!read more
Recently, McMichael reviewed our insurance needs and proactively moved us to Hanover Insurance as our previous carrier was moving rates upward. The transition was seamless. Dennis... was quick to show us that the coverage was the same and the cost would remain in line. The young lady who was assisting Dennis was so professional when I had questions on the premium payments. They take all the worries out of our needs. Thanks again for all your agency does.read more
If I could give 6 stars I would! We were in the middle of a move and had to quickly switch companies. One phone call to McMichael Insurance company and our problems were solved.... They find the best rates. Michelle Mclean is awesome.read more
We worked with Kristen Jordan and she was awesome!! She found us the best coverage for our home and cars and saved me countless hours of research She is incredibly... knowledgeable about all types of insurance and the coverage needed Thank you for helping us and for saving us lots money!!read more
Kristen Jordan, thank you for going the extra mile for us, your professionalism and years of experience are appreciated. We are glad we found you! Please add us to your loyal... clients list. Best.read more
McMichael's is truly an amazing Agency to work with. Always prompt, courteous and looking out for your best interest. I have been with them since I started driving about 17 years... ago and they've always gotten me the best available policies at the best prices saving me a lot of $ over time. Highly recommended.read more
Tom Masters is simply the best in the business. I recommend him and the McMichael Insurance team to literally everyone I know. Best price I've found on the market for high level,... full-service insurance. Thank you, Tom and team!read more
I have had MCMICHAEL Ins.for many, many, years, and they are always ready to help out on a minute's notice and they get thins done for their clients rather quickly, and the... staffis always friendly and they make sure you Re happy with them..read more
Long time McMichael customer.I had been living of of the country for several years and kept a motorcycle here to ride when I came back. Karen always had me ready to go.I... recently bought a new car on a Saturday and she even went out of her way to get me insured. She is awesome!Solid, reliable company.read more
Very good agency, always helpful and will search for the best deals. I would recommend this agency to anyone. They always look for the best deal for the customer with multiple... insurance companies they deal with. They do better than the Liberty customization. Give them a try.read more
I've been with McMichael Ins for a while now and Karen is always quick to respond to any questions I have or new needs we need met. She is a pleasure to work with! We have home... and car through them. Definitely recommend!read more
I have had awesome service with McMichael Insurance. My house and car are both insured through them. My questions are answered promptly and problems are handled right away. Thank... you McMichael Insurance!read more
The McMichael agency did everything thing they possibly could to help me with my hail damage claim denial. Although the claim has yet to be resolved, I wouldn't have known what... steps to take w/o them!read more
Assisted me when I needed to get rental insurance at the last minute for my apartment.They have now help me obtain homeowners insurance on my first house purchase. Went with... Grange and bundled my car insurance into it too to get a better rate. I am quite happy with McMichael insurance and would highly recommend them.read more
I've worked with McMichael Insurance for nearly two decades and have always received great service and have felt like they are doing their very best to have us properly covered at... a competitive price. I have sent many referrals there way from friends and family.read more
Tom Masters with McMichael Insurance was very responsive to our insurance needs and presented a coverage plan for auto, home, and umbrella that was very cost competitive with... solid coverage. When we had questions about coverage Tom was quick to respond and patient in his explanations.read more
The McMichael Insurance Agency team has been with our small business from day one. They have helped us grow from a small preschool to a five center corporation over the past 12... years. Tom, Julie and the team are always there for our many, many questions. They insure that we have the appropriate coverage to operate and keep our company, staff and over 200 students safe. They are truly a vital part of our Here For You Preschool and Child Development Center family. We recommend them every chance we get!read more
Over a number of years, our agent, Tom Masters, has helped our business find insurance coverage for a number of normally uninsurable activities. He is very personable and it is... nice to be able to reach him with questions or concerns in a timely manner.read more
It is so nice to be able to call our agent, have our questions answered with no drama, no worry. They work for us to get the best product for our needs at a competitive price.... Highly recommendedread more
Karen was a true professional. Being in sales for over 33 years it was refreshing to find a conscientious agent with great follow-up. I found her to be thorough, prompt, but... still considerate to my financial needs. Thank you for everything Karen!!!read more
My and my family have been with McMichael for 5+ years now, and they try to find the best rate for us on auto and home insurance. They get back to you as soon as possible either... by email or phone. Great agent if you are looking for an insurance agent.read more
McMichael Insurance Agency is very fair, friendly and they processed my accident a few years back very fast and without much effort from me at all. I have been very happy with... their service and their rates ever since I joined them 2 + years ago. I highly recommend them.read more
You know when I (we).. need you..... you are there!!! Thank you for being there when I..... (WE)... need your help or just to answer a question. Just understanding the... problem ....whit on problem!!! Thank you, Johnread more
My agent at McMichael insurance, Tom Masters, is always very helpful and quick to respond whenever I have questions or concerns. Insurance is not my thing, but Mr. Masters is... always very helpful and understanding. 10/10 recommend.read more
Our family has been with this agency for years and have always received excellent customer service. Karen is our agent she is always pleasant and helpful. She works with us to... find the best product to fit our needs and budget. I would highly recommend them. .read more
I have been with McMichael Agency for 15 years & I love it. They are professional, efficient, & always trying to find me the best deal. I love being able to email them with... questions. I love the portal also for viewing my plans & documents & making payments. I feel like I am in very good hands, They look out for my best value.read more
Best insurance agency I’ve ever used! Debbie is always helpful and answers all my questions. She also checks and makes sure I am getting the best rate. In fact she just saved us... $200 a month! I recommend McMichael Insurance to everyone.read more
When the Braun Agency sold to McMichael. the transition was without problem. They have maintained fair rates. They contacted me when I was near Medicare eligeable time and an... agent assisted me in choosing a Medicare advantage plan that would meet my needs at no cost for the service. I haven't had any claims so I can't evaluate that, but overall I'm happy with the Agency.read more
The staff is completely wonderful especially Julie. I never have to wait long for a call back if they are at lunch and really does make sure you get the best deals out there for... your family!read more
We were out of state when our windshield was cracked by a stone thrown up by a truck. Received great service on what to do if it became necessary to get it repaired before we... returned home.read more
Dealing with McMichael Insurance has been a great experience. Their staff is knowledgeable, they offer great service and they were able to save us money on our home and auto... insurance without sacrificing coverage limits.read more
Grange has been our family's insurance all of my life. It could have started with my grandparents but I know for sure my parents and my husband's parents have always had Grange... insurance.The McMichael Agency has been very accommodating with changes, updates and with cancellations due to death. They answer all my questions even when I ask them the same one several times.I have always recommended Grange insurance even when it may not be the cheapest it's the best and the McMichael Agency cares about us.Connie Mortonread more
To whom it may concern,I am very thankful for McMichael Insurance Agency. They have helped me time and time again. Debbie Craft is my agent and she works hard to help me find... the best plan for my insurance; homeowner’s and auto insurance. She is available and returns my calls either the day I call or the next day. When she was out from her accident, other staff took care of my insurance needs and did a great job, too.I’m quite satisfied with the way they run the agency. When I lived in my mobile home, I turned in some claims and they and Progressive Insurance took care of everything.I am pleased with the service I receive from this agency. I would recommend this agency to my family and friends.Take care everyone and be safe & healthy.Brenda Bensonread more
My agent, Julie H. in Hartville, Ohio, was incredibly helpful in establishing my business insurance for an organic business (with relatively unknown risk factors.) She was the... consummate professional, following up when I was insanely busy with my start up, and providing the required insurance (by my Landlord) at an extremely affordable rate. I highly recommend not just this insurance company, but this particular agent.read more
Few things in life are as stressful as buying a home. However, the real work of owning a home comes once you move in. Things can go wrong and often do. However, you can be prepared to handle the ups and downs of home ownership by being aware of these common pitfalls.
Many homeowners make the unfortunate error of underestimating how much their personal belongings are worth. Though it’s important to have your property appraised, that alone isn’t enough.
To get the most suitable coverage, factor in the value of everything inside your dwelling, not just what it would take to repair. From improvements you’ve made and appliances you’ve updated, to furniture, clothing and electronics, you’ll need to account for everything that would have to be replaced.
Ignoring Routine Maintenance
All homes require upkeep, and some tasks are more vital than others. Neglecting routine maintenance could lead to a fire or flood. In fact, homeowners are more likely to file insurance claims for water and smoke damage than any other type.
Since houses don’t come with an owner’s manual, it’s a good idea to make and follow a home maintenance checklist that includes doors and windows, your washer and dryer, fire prevention equipment, dates of service on your furnace, and all other pertinent service records.
Making Assumptions About Your Policy
Do you fully understand your homeowners insurance deductible? If not, it’s important to get to know how it works and what out-of-pocket costs you’ll be responsible for in the event of an incident.
Generally, the higher the dollar amount or percentage deductible, the less you pay in premiums each month. But before you increase or decrease it, make sure you know how various claims would play out.
All homes, even new ones, experience unexpected issues now and again. Fortunately, many are preventable with a bit of know-how.