Business Details
Schwab Insurance Agency, Inc. is dedicated to the highest degree of professionalism and business ethics in the sales and service of products and programs designed to create financial security for both the individual and the business community. We pledge to provide a positive environment that enables our employees to reach their fullest potential as individuals.
We seek to foster a spirit of cooperation between our insureds, our companies and our employees, realizing that our interests are not adverse, but common. The combined efforts of the members of the Agency staff are necessary in order to achieve a high level of excellence and trust. We pursue a continual process of operational improvements in order to meet our performance objects by doing the right things right the first time.
TO PROVIDE the best insurance protection at a competitive price to as many people as possible. TO PROVIDE the best possible personal service to maintain long term, satisfied customers. TO MAINTAIN a professional and efficient work environment which helps each employee to achieve his or her personal goals.
We seek to foster a spirit of cooperation between our insureds, our companies and our employees, realizing that our interests are not adverse, but common. The combined efforts of the members of the Agency staff are necessary in order to achieve a high level of excellence and trust. We pursue a continual process of operational improvements in order to meet our performance objects by doing the right things right the first time.
TO PROVIDE the best insurance protection at a competitive price to as many people as possible. TO PROVIDE the best possible personal service to maintain long term, satisfied customers. TO MAINTAIN a professional and efficient work environment which helps each employee to achieve his or her personal goals.
Services
Annuities
An annuity is not an IRA, however, they are an excellent investment vehicle to fund your IRA or to roll over an existing IRA account, 401K, or CD.
A strong investment portfolio contains different levels of investment risk.
A large portion of the investment mix should contain low-risk investments that do not fluctuate with the stock market and always earn a reasonable rate of return.
The closer we get to retirement, the safer the portfolio should be.
As with life insurance, it is important to discuss your needs with a life/annuity professional to help determine what is best for your particular situation.
A strong investment portfolio contains different levels of investment risk.
A large portion of the investment mix should contain low-risk investments that do not fluctuate with the stock market and always earn a reasonable rate of return.
The closer we get to retirement, the safer the portfolio should be.
As with life insurance, it is important to discuss your needs with a life/annuity professional to help determine what is best for your particular situation.
Automobile
What is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Property coverage pays for damage to your car, such as, Comprehensive & Collision coverages.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Property coverage pays for damage to your car, such as, Comprehensive & Collision coverages.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Bonds
Bonds are designed to guarantee something.
Whether that be future work performance, or that a contract gets fulfilled, or against fraudulent acts, etc.
Our agency can provide a full range of Commercial and Contract Surety Bonds to fit your need.
And many miscellaneous bonds that include guarantees of financial performance.
We can also write Fidelity Bonds, which cover losses arising from employee dishonesty and Errors & Omissions liability insurance.
Contract Bonds guarantee the performance of obligations covered by a written agreement between two parties.
Whether that be future work performance, or that a contract gets fulfilled, or against fraudulent acts, etc.
Our agency can provide a full range of Commercial and Contract Surety Bonds to fit your need.
And many miscellaneous bonds that include guarantees of financial performance.
We can also write Fidelity Bonds, which cover losses arising from employee dishonesty and Errors & Omissions liability insurance.
Contract Bonds guarantee the performance of obligations covered by a written agreement between two parties.
Business & Commercial
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel - liability, collision, comprehensive, medical payments, (also known as personal injury protection in Michigan) and coverage for uninsured/underinsured motorists.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.
General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.
General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
Farm
Whether you farm for a living, rent out your farm, rent a farm, or live on a hobby farm (country estate), you'll find Schwab Insurance will be able to provide you coverage to suit your needs.
Our Farm insurance policies have kept up with the times.
We offer coverage through some of the largest farm writers in Michigan such as: Auto Owners, Fremont, and Grange.
They work with independent agents like us, to provide you with a convenient and competitive policy package, to protect all of your personal and farm business needs.
Our Farm insurance policies have kept up with the times.
We offer coverage through some of the largest farm writers in Michigan such as: Auto Owners, Fremont, and Grange.
They work with independent agents like us, to provide you with a convenient and competitive policy package, to protect all of your personal and farm business needs.
Flood
There's something you should know.
Flood losses are not covered by your homeowners insurance policy!
Floodwaters have the power to damage not only your home and sense of security, but also your financial future.
How can you protect your most important investment in case of flooding?
Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding.
The truth is that Federal disaster assistance is only available if the President formally declares a disaster.
Flood losses are not covered by your homeowners insurance policy!
Floodwaters have the power to damage not only your home and sense of security, but also your financial future.
How can you protect your most important investment in case of flooding?
Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding.
The truth is that Federal disaster assistance is only available if the President formally declares a disaster.
Homeowners
What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions.
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions.
Life & Health
Whole Life: provides lifelong protection.
As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.
Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
These can be affordable starter policies for children or older people looking to add more life insurance for final expense reasons.
Provides a lifetime of guaranteed coverage; cash surrender values accumulate to provide emergency funds or short term money needs.
As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.
Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
These can be affordable starter policies for children or older people looking to add more life insurance for final expense reasons.
Provides a lifetime of guaranteed coverage; cash surrender values accumulate to provide emergency funds or short term money needs.
Motorcycle
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Recreational Vehicle
Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way.
Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own.
In fact, they may need more insurance since they also create a potential for liabilities.
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others.
Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own.
In fact, they may need more insurance since they also create a potential for liabilities.
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others.
Renters
What is Renters Insurance?
Water damage from plumbing.
Renters insurance also covers your "Personal Liability" against losses from other people injured at or away from your home by you, your family members, or pets.
Renters insurance also covers your "Additional Living Expenses" which are the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster.
This coverage includes compensation for hotel bills, temporary rentals, restaurant meals and other living expenses.
Water damage from plumbing.
Renters insurance also covers your "Personal Liability" against losses from other people injured at or away from your home by you, your family members, or pets.
Renters insurance also covers your "Additional Living Expenses" which are the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster.
This coverage includes compensation for hotel bills, temporary rentals, restaurant meals and other living expenses.
Snowmobile
When its that time of year again, to pull the snowmobiles out of storage and head for the trails.
There are a few things that you should consider before doing so however; Does your snowmobile have physical damage coverage?
If you leave your property, are you covered for personal liability?
What if I get hurt, who will pay the medical bills?
What is snowmobile insurance?
Snowmobile insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
There are a few things that you should consider before doing so however; Does your snowmobile have physical damage coverage?
If you leave your property, are you covered for personal liability?
What if I get hurt, who will pay the medical bills?
What is snowmobile insurance?
Snowmobile insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
Watercraft & Boat
Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
