Your Local Farmers® Insurance Agent Dedicated to Protecting Michigan Families
At the Rich Merso Insurance Agency, we believe insurance should be personal, honest, and built around real people — not just policies. As a Farmers® Insurance Agent serving Midland, Auburn, and communities throughout Michigan, Rich brings a unique combination of experience, local knowledge, and heartfelt purpose to every client he helps.
Contact UsWhat Motivates Us to Serve Michigan Families
Rich's journey into the insurance industry began after a deeply personal loss. A few years ago, he lost his mother to cancer - and without life insurance, he faced the full weight of her final expenses on his own. That experience changed everything.
It opened his eyes to the importance of planning, protection, and having coverage you can depend on.
It inspired him to learn more about insurance - first to protect his own family, and ultimately to help other families across Michigan avoid the same hardship.
Rich now brings that passion into every conversation he has about coverage.
His mission is simple:
"Insurance is about people, not policies. I want to protect families."
Local Roots, Real Experience, and a Commitment to Serve
Rich has lived near the Midland-Auburn area since 1999. With more than 20 years of experience in sales, industrial electrical contracting, and major account management, he has built strong relationships throughout the community - and a reputation for trust, transparency, and follow-through.
His background shaped the way he runs his agency today:
- Listen first
- Educate clearly
- Offer straightforward, honest options
- Always put the client's needs first
Whether you're a homeowner in Midland, a business owner in Saginaw, or a new driver anywhere in Michigan, Rich's goal is to make sure you feel informed, supported, and fully protected.
Personal, Educational, and Local
When you work with the Rich Merso Insurance Agency, you're more than just a policyholder - you're a neighbor. Rich takes the time to understand your situation so he can recommend coverage that makes sense for your life, your budget, and your future.
What you can expect from us:
Honest, Transparent Guidance
No confusing jargon - just clear explanations and real answers.
Personalized Coverage Recommendations
Every family, home, and business is different. We tailor coverage to fit what matters most to you.
Local Support You Can Count On
Whether you have a question, need a quote, or have to file a claim, we're right here in the community.
Education-Focused Conversations
We help you understand the “why” behind your coverage so you feel confident in your decisions.
Meet the Team
The agency is built on real people who care about your protection.
Rich Merso
Farmers® Insurance Agent & Owner
Kristy Schutkowski
Full-time team member providing friendly, responsive client support
Rich's daughters
Helping hands who assist when needed
Together, they create an environment that is family-oriented, welcoming, and committed to long-term relationships.
Community Involvement
Rich is a member of the National Federation of Independent Business (NFIB) and supports local small businesses and Michigan's growing communities. His goal is to be more than just a policy provider - he strives to be a resource, a partner, and a trusted advisor for families and business owners across the state.
Proudly Serving Midland, Auburn, and All of Michigan
While our office is located near Midland, we proudly help clients throughout the entire state of Michigan, including:
- Auburn
- Freeland
- Sanford
- Hemlock
- Coleman
- Saginaw
- Bay City
- Beaverton
- Gladwin
and all Michigan communities statewide.
Wherever you are in Michigan, we're here to help protect what matters most.
Why Choose the Rich Merso Insurance Agency?
- Local knowledge and personalized service
- Backed by the strength of Farmers® Insurance
- Honest, straightforward coverage guidance
- Fast, responsive support when you need it
- Real relationships built on trust
Ready to Work with a Local Michigan Insurance Agent Who Truly Cares?
Whether you're looking for auto, home, life, business, or speciality insurance, the Rich Merso Insurance Agency is here to guide you with clarity and care.