Business Details
37 Years
experience
Independent Insurance Solutions in Petoskey, Michigan
King Insurance has been safeguarding families and businesses across Northern Michigan for over three decades. Established in 1989 by Bill King, our agency has evolved into a trusted second-generation family operation, now led by Julia King Makela and Jenny King. As independent agents, we collaborate with a curated network of reputable insurers to design customized coverage that aligns precisely with our clients needs. Our commitment to personalized service distinguishes us in an industry often dominated by impersonal transactions. With combined expertise spanning decades, our team prioritizes transparency, integrity, and proactive risk management.We pride ourselves on demystifying insurance complexities while delivering competitive rates and unwavering support. Our deep-rooted local knowledge ensures solutions tailored to Northern Michigans unique challenges. By blending professional rigor with a client-first ethos, we transform insurance from a transactional necessity into a partnership built on trust. Every policy we craft reflects our dedication to protecting what matters most to you. This philosophy has sustained our reputation as a dependable advisor in both personal and commercial insurance landscapes.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Flood Insurance
Contractors Insurance
Rental Dwelling Insurance
Builders Risk Insurance
Recreational Insurance
Details
- Year established: 1989
Highlights and features
- We offer over 30 years of experience serving Northern Michigan families and businesses.
- Our team includes Certified Insurance Counselors with specialized risk management expertise.
- We partner with multiple top-rated insurers to ensure competitive pricing and options.
- Our independent agency model guarantees unbiased, client-focused recommendations.
- We prioritize face-to-face interactions to fully understand client insurance needs.
Services
Auto Insurance
Our auto insurance policies protect drivers with customizable liability, collision, and comprehensive coverage options. We assess individual driving habits, vehicle usage, and budget to recommend optimal protection. Clients benefit from competitive rates secured through our partnerships with leading insurers while receiving ongoing support for claims and policy adjustments.
Home Insurance
We provide residential insurance solutions covering structural damage, personal belongings, and liability risks. Policies address Northern Michigans seasonal weather challenges, including winter storm damage and spring flooding. Our agents help homeowners understand coverage limits and available endorsements for high-value items or specialized property features.
Business Insurance
Our commercial policies safeguard enterprises against property loss, liability claims, and operational disruptions. We serve diverse industries including contracting, hospitality, and retail with tailored packages combining general liability, property insurance, and workers compensation. Risk assessments ensure protection aligned with specific business exposures.
Life Insurance
We offer term and permanent life insurance products to secure clients financial legacies. Needs analyses determine appropriate coverage amounts and policy structures, whether for family income replacement, mortgage protection, or estate planning. Our independent status allows comparison across multiple carriers to find suitable options.
Flood Insurance
Specialized flood insurance policies cover property damage from surface water inundation excluded in standard home insurance. We assist homeowners and businesses in high-risk zones with National Flood Insurance Program compliance and private market alternatives. Coverage includes building structures and contents with customizable deductible options.
People
Julia King Makela
Certified Insurance Counselor
Julia King Makela brings decades of insurance expertise to King Insurance, holding advanced certifications in risk management. She transitioned from agency partner to owner in 2007, expanding service offerings while maintaining personalized client relationships. Her financial acumen ensures strategic policy recommendations.
Jenny King
Certified Insurance Counselor
Jenny King has delivered exceptional insurance service since joining the agency in 2000. Her client-focused approach and technical knowledge in policy structuring make her a trusted advisor. Certified in advanced insurance practices, she specializes in matching complex client needs with comprehensive coverage solutions.
Questions
What insurance products do you specialize in?
We specialize in auto, home, life, business, flood, and recreational vehicle insurance for Northern Michigan residents and companies.
Can I file claims directly through your agency?
While claims get processed by insurers, we facilitate submissions and advocate for timely resolutions with partner companies like Progressive and Auto-Owners.
Do you offer after-hours policy support?
We provide weekday business hours as standard, with emergency appointments available by prior arrangement for urgent insurance matters.
How do you determine competitive insurance rates?
Our independent agency status allows comparisons across multiple carriers to find cost-effective coverage matching your specific risk profile.
What information should I prepare for a quote?
Have property details, driving records, business financials, and existing policy information ready to enable accurate, expedited quoting.
