Business Details
26 Years
experience
Your Trusted Insurance Partner in Brighton, MI
Established in 2000, Follmer Insurance has provided comprehensive personal and commercial insurance solutions tailored to meet individual client needs. Our approach begins with understanding your unique circumstances and crafting customized policies that align with your goals and budget. With a team of experienced professionals, we offer expert guidance across home, auto, business, farm, and life insurance products, prioritizing transparency and client education.Our commitment to exceptional service is reflected in our long-standing relationships with clients and our proactive approach to policy management. We operate with a clear philosophy: it's our responsibility to inform you, and your decision to choose the coverage that best suits your needs. This dedication to client-centric service has solidified our reputation as a trusted insurance partner in Michigan and beyond.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Farm Insurance
Life Insurance
Commercial Auto Insurance
Contractors Liability Insurance
Builders Risk Insurance
Landscapers Insurance
Workers Comp Insurance
Details
- Year established: 2000
Highlights and features
- We offer second-to-none advice and customer service.
- Our team provides personalized insurance packages tailored to specific needs.
- We represent multiple A-rated insurance carriers for competitive options.
- We prioritize client education to ensure informed decision-making.
- Our agents maintain proactive communication and policy management.
What people say
Professional and responsive team
Personalized insurance solutions
Proactive policy management
Thorough explanations of coverage
Prompt claims assistance
Services
Homeowners Insurance
Protect your home and belongings with comprehensive coverage tailored to Michigan residents. Our policies include protection for dwelling structures, personal property, liability, and additional living expenses. We offer customizable options for homes, condos, rental properties, and mobile homes, with available flood and umbrella insurance. Our agents help clients in Brighton and surrounding areas secure coverage that meets specific needs while ensuring compliance with mortgage requirements.
Auto Insurance
Comprehensive auto insurance solutions for Michigan drivers, including required liability coverage and optional protections like collision, comprehensive, and uninsured motorist coverage. We provide policies for standard vehicles, commercial trucks, RVs, and specialty vehicles. Our team ensures clients understand Michigan's specific requirements while offering competitive rates and personalized policy adjustments for changing needs.
Business Insurance
Customized commercial insurance packages for businesses across multiple industries in Michigan. Coverage options include general liability, professional liability, property insurance, cyber liability, and workers' compensation. We specialize in contractors, landscapers, and specialty businesses requiring tailored risk management solutions. Our agents work with clients to develop cost-effective policies that protect against industry-specific risks.
Farm Insurance
Specialized insurance for Michigan farms and agricultural operations covering crop protection, livestock, equipment, and liability. Our policies address unique risks including weather-related damage, equipment breakdowns, and liability claims. We offer coverage for farms, ranches, and specialty agricultural businesses with tailored solutions that protect both property and income streams while accounting for climate and operational challenges.
Life Insurance
Diverse life insurance options including term, whole, universal, and return-of-premium policies designed to protect families and business interests. We provide individual and group life insurance solutions with flexible terms and coverage amounts. Our agents help clients in Brighton and surrounding areas select appropriate policies that align with financial goals while offering group disability insurance options for businesses seeking employee benefits packages.
People
Lisa Follmer-Gagnon
Owner
With over two decades of insurance experience, Lisa leads Follmer Insurance's client-focused approach. She specializes in commercial insurance solutions and has built long-term relationships with Michigan businesses through personalized service and expert risk assessment.
Bettina Gouaiana
Insurance Agent
Bettina provides comprehensive insurance solutions to residential and commercial clients. Her expertise in policy customization and client education ensures clients receive optimal coverage while maintaining budget efficiency through strategic carrier comparisons.
Mary Buzolits
Insurance Specialist
Mary focuses on personal insurance lines, helping clients protect their homes and vehicles. She maintains proactive communication with policyholders to ensure coverage evolves with changing life circumstances and property needs.
Juliann Roose
Commercial Insurance Specialist
Juliann specializes in business insurance solutions, particularly for contractors and agricultural operations. Her industry knowledge helps businesses navigate complex risk management requirements while securing cost-effective coverage options.
Sharon Brown
Client Services Manager
Sharon oversees policy administration and client support operations. Her team ensures seamless policy implementation and responsive claims assistance, maintaining the agency's commitment to exceptional service throughout policy lifecycles.
Questions
How can I lower my insurance premium?
Carrying a higher deductible or bundling multiple policies can reduce premiums. Our agents help identify appropriate coverage levels that balance cost and protection based on individual risk profiles.
What home damages aren't covered by standard policies?
Standard policies typically exclude flood damage, earthquake damage, and normal wear-and-tear. Additional endorsements or separate policies may be required for comprehensive protection.
Why is homeowners insurance important?
Homeowners insurance protects your property investment against covered perils like fire, theft, and weather damage. It also provides liability coverage and may be required by mortgage lenders.
How do I insure high-value possessions?
Valuable items like jewelry or artwork can be covered through policy endorsements or separate scheduled personal property coverage to ensure adequate protection beyond standard limits.
What happens when a car is totaled?
If repair costs exceed the vehicle's value, the insurance company will typically pay the actual cash value of the car and retain possession unless you arrange to repurchase it.
What auto coverage applies if my car is stolen?
Comprehensive coverage pays for theft-related losses. Our agents help ensure appropriate coverage levels based on vehicle value and individual risk factors.
