Rathbun Insurance is independently owned and locally operated to handle your insurance needs. We focus on Michigan and offer affordable and reliable insurance choices all across Michigan. We will help you find the best mix of customized, personalized insurance coverage at the best price for your needs.
Rathbun Insurance wants to make the complicated world of insurance easier to understand by listening to your needs, giving you advice, and making sure you have the right coverage. Itâs peace of mind redefined.
Being there matters most. Our goal is to make our presence and unwavering promise to support, empower, and give peace of mind to our staff, customers, and clients the most important things in everything we do. We believe that “Being there” is the most important thing.
We work with many good, dependable insurance companies and can offer coverage options for a wide range of personal and business insurance needs.
Our staff has over 200 years combined experience in the insurance industry. We offer guidance and help you make the right decisions for yourself, your family, or your business.
We take care of our customers like family. See what they are saying about our excellent service! Read our customer testimonials ».
Rathbun Insurance doesn’t just protect homes and businesses; we also believe that community and giving back can change things for the better. Since it started in September 2015, our Quotes for a Cause campaign has shown that we want to make a difference in our community. Through this heartfelt initiative, we partner with local non-profit organizations that are dedicated to creating meaningful change. We proudly give $1,000 to a different organization every month to show our support for building stronger community ties. As we wrap up July 2024, we are thrilled to spotlight the YMCA of Metropolitan Lansing. Recently, Ben Rathbun, CEO and Producer at Rathbun.
We’re excited to tell you about a scary event you won’t want to miss: our Fundraiser Skate Night at Edru Skate in Holt, MI, on October 25th from 5 PM to 7 PM! This Halloween, we’re putting on our skates and rolling around the rink!
Youâve been invited to serve as a director or officer on the board of a corporation or nonprofit. This is an exciting opportunity that also comes with potential liability exposures across several areas, including.
Rathbun Insurance showed its support for the Lansing community again last Thursday by taking part in a big back-to-school event put on by radio station WZZM in support of Communities in Schools in Michigan.
Today is the last day of Zeinab AlRabiah’s 10-week internship, and we are so grateful for how much she has helped our team this semester. At Rathbun Insurance, we take pride in partnering.
Lansing, Michigan is home to a thriving insurance market with national carriers, local providers, and independent agents competing for your business. This guide explores the leading insurance companies in Lansing and how to find the best coverage
Overview of Major Insurance Carriers in Lansing
The major insurance brands providing policies throughout the Lansing area include:
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State Farm Top-selling auto insurer nationally and in Lansing offering home, life, and business policies
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Progressive: Major national carrier with competitive rates for Lansing auto, motorcycle, and other insurance products.
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Allstate: Prominent brand with local agents providing auto, homeowners, renters and financial services policies.
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Farm Bureau Insurance: Popular insurer in Michigan providing auto, home, life and business coverage through local agents.
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Liberty Mutual: Large national company with broad insurance product portfolio including Lansing auto and home policies.
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Frankenmuth Insurance: Leading regional insurer providing auto, home, business and specialty insurance products across Michigan.
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Auto-Owners Insurance: Longstanding Michigan-based insurance group providing all forms of property/casualty and life insurance.
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Citizens Insurance Company: Michigan’s largest domestic property insurer focused on home, condo, rental, and vacation property coverage.
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Hastings Mutual Insurance: Top regional property insurer in Michigan providing home, farm, business and auto insurance.
Along with these carriers, independent insurance agencies in Lansing provide options from additional insurance companies to find you the right fit.
Auto Insurance in Lansing
Michigan has unique auto insurance requirements including unlimited injury protection for motorists. Lansing drivers must carry:
- Bodily injury liability coverage
- Property damage liability
- Personal injury protection
- Uninsured/underinsured motorist coverage
Comparing quotes on the types and amounts of Michigan auto coverage needed allows Lansing drivers to maximize savings. Grange, Auto-Owners, and Frankenmuth offer competitive rates.
Home Insurance in Lansing
Homeowners in Lansing have several options for insuring their houses including:
- Replacement cost coverage for rebuilding
- Personal property coverage
- Liability protection
- Additional living expenses
- Water backup coverage
Top home insurers like State Farm, Auto-Owners, and Farm Bureau Insurance provide home insurance discounts such as for bundling with auto policies.
Business Insurance in Lansing
Lansing companies need policies tailored to their industry and risks, including:
- General liability to protect against claims
- Property coverage for company assets
- Business interruption for loss of income
- Worker’s compensation
- Commercial auto for vehicles
Leading insurers for Lansing business owners are Frankenmuth, Auto-Owners, Travelers, The Hartford, and Liberty Mutual.
Finding the Best Lansing Insurance Rates
You can take several steps to find affordable insurance in Lansing:
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Shop around – Compare quotes from different insurers. Rates can vary significantly.
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Review all discounts – Be sure you’re receiving every discount you’re eligible for.
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Raise deductibles – Higher deductibles lower premiums but mean more out-of-pocket costs when filing a claim.
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Improve credit – Insurers often use credit-based scores as a rating factor.
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Limit coverage – Analyze risks to determine what coverage you can forgo. But avoid inadequate coverage.
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Bundle policies – You can potentially save up to 15% when you insure your home and car with the same provider.
An independent insurance agent can provide personalized guidance on getting optimal coverage at competitive Lansing rates.
Top Independent Insurance Agencies in Lansing
Independent agents are insurance professionals who provide quotes and policies from multiple insurers, unlike captive agents who only represent one company. Recommended independent insurance agencies serving Lansing include:
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O’Leary-Jacob Insurance Agency – Offers business, home, auto, life, and health insurance.
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Wolgast Insurance Agency – Provides coverage for auto, home, business, farm, life and health.
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DeWitt Insurance Agency – Delivers quotes for home, auto, business, farm and life insurance.
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Bernie Hall Insurance Agency – Trusted for auto, homeowners, commercial, bonds, life and disability insurance.
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Otis M. Smith Insurance Agency – Specializes in commercial policies and bonds along with home and auto insurance.
An experienced local independent agent can compare rates across insurers and provide guidance on getting the optimal coverage you need as a Lansing homeowner, driver or business owner.
The Bottom Line on Lansing Insurance
With many insurance choices in Lansing, it pays to shop around and consider all your coverage options. Assess your specific risks and insurance needs. An independent agent simplifies the process of finding the right policy at the best price to properly insure your vehicles, home, business and valuables in the Lansing area.
Frequently Asked Questions
Q: What is the minimum auto insurance coverage required in Michigan?
A: At minimum, Michigan drivers must carry bodily injury liability of $50,000 per person/$100,000 per accident, property damage liability of $10,000, and personal injury protection with unlimited medical benefits.
Q: What discounts are available from Lansing home insurers?
A: Common discounts include multi-policy, multi-home, smoke/fire alarms, security systems, new home, and claims-free discounts. Discounts vary by insurer.
Q: What business insurance does a Lansing company need?
A: Most small Lansing businesses need a business owners policy with general liability, property damage, loss of income, and commercial auto insurance. Specific needs depend on the business type and industry.
Q: Which insurers have the best ratings in Lansing, MI?
A: Top-rated insurers based on financial strength and claims satisfaction ratings include Auto-Owners, Frankenmuth, Hastings Mutual, State Farm, Allstate, and Progressive.
Q: Who provides the cheapest home insurance rates in Lansing?
A: Average Lansing home insurance rates are lowest with Hastings Mutual, Frankenmuth, Auto-Owners, and Citizens Insurance. But rates can vary significantly by property, so shop around.
Learn more about Michigan No-fault Reform
Rathbun Insurance is independently owned and locally operated to handle your insurance needs. We focus on Michigan and offer affordable and reliable insurance choices all across Michigan. We will help you find the best mix of customized, personalized insurance coverage at the best price for your needs.
Rathbun Insurance wants to make the complicated world of insurance easier to understand by listening to your needs, giving you advice, and making sure you have the right coverage. Itâs peace of mind redefined.
Being there matters most. Our goal is to make our presence and unwavering promise to support, empower, and give peace of mind to our staff, customers, and clients the most important things in everything we do. We believe that “Being there” is the most important thing.
We work with many good, dependable insurance companies and can offer coverage options for a wide range of personal and business insurance needs.
Our staff has over 200 years combined experience in the insurance industry. We offer guidance and help you make the right decisions for yourself, your family, or your business.
We take care of our customers like family. See what they are saying about our excellent service! Read our customer testimonials ».
At Rathbun Insurance, we donât just safeguard homes and businesses; we believe in the transformative power of community and giving back. Our Quotes for a Cause campaign, which began in September 2015, stands as a testament to our commitment to making a positive impact in our community. Through this heartfelt initiative, we partner with local non-profit organizations that are dedicated to creating meaningful change. Each month, we proudly support a different organization with a $1,000 donation, reinforcing our commitment to strengthening community bonds. As we wrap up July 2024, we are thrilled to spotlight the YMCA of Metropolitan Lansing. Recently, Ben Rathbun, CEO and Producer at Rathbun…
We’re excited to tell you about a scary event you won’t want to miss: our Fundraiser Skate Night at Edru Skate in Holt, MI, on October 25th from 5 PM to 7 PM! This Halloween, we’re putting on our skates and rolling around the rink!
Youâve been invited to serve as a director or officer on the board of a corporation or nonprofit. This is an exciting opportunity that also comes with potential liability exposures across several areas, including.
Last Thursday, Rathbun Insurance reaffirmed our commitment to the Lansing community by participating in a significant back-to-school event in support of Communities in Schools in Michigan and hosted by radio station …
Today is the last day of Zeinab AlRabiah’s 10-week internship, and we are so grateful for how much she has helped our team this semester. At Rathbun Insurance, we take pride in partnering.