You create your future. We secure it.
Top insurance provider for auto, home, farm, business, health, and life insurance in Michigan.
Multiple Insurance Companies
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Offering competitive insurance quotes with multiple insurance carriers. We do the shopping for you.
Find The Best Insurance Price For You
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Our insurance agents work for you to provide the right insurance and the best price.
Insurance Coverage You Can Count On
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Service you can trust to create an insurance program, and it covers you when you need it.
Competitive Personal and Business Insurance in Saginaw Michigan
Here to help – Insurance Agents in
Bay City & Saginaw Michigan
Insurance Agent in Saginaw Michigan
Serving Individuals, Families, and Businesses
Future Insurance is a full-service Independent Insurance Agency devoted to serving your total insurance needs in business, health, farm, home, auto, life, and disability insurance. The focus is to secure your future with comprehensive insurance quotes and professional advice. Our team of insurance agents in Saginaw Michigan are committed to the highest standards of integrity and service because we value building a trusted relationship.
Frequently Asked Questions
Some common questions we are asked.
What is the benefit of having an agent represent me?
Agents can help you through the buying process and beyond. Some of the benefits of working with an insurance agent are:
Help you determine the right amount of coverage for your needs.
Assist you with understanding the different insurance terms and coverages.
Compare prices from multiple insurance companies and help you find the best coverage and price.
Our insurance agents in Saginaw Michigan are local to your area and experienced in the needs of your area.
Throughout your policy if you have any questions, changes or need to file an insurance claim an agent can help you because insurance is complicated.
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. Agents are here to help you because insurance can be confusing.
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, and 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. Because 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, but that may not be something you can do right away if you were injured. 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, but 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:
Employs one or more people for 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks (or one year).
Private employer that regularly employs three or more people at a time.
Agricultural employer that employs three or more employees for 35 hours or more per week for 13 or more consecutive weeks.
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. This is often request because it helps an agent to understand what coverages you currently have and need.
