Protect Your Home With Local Expertise and Reliable Coverage
Your home is more than your biggest investment - it's where life happens. Protecting it requires the right insurance, tailored to Michigan's unique weather, risks, and property needs. At the Rich Merso Insurance Agency, we deliver clear, personalized homeowners insurance backed by Farmers® Insurance and supported by trusted local service.
Our mission is simple: premium-quality protection with honest, budget-conscious guidance - designed for Michigan homeowners.
Contact UsWhy Home Insurance Matters in Michigan
Michigan homes face a wide range of risks year-round, from harsh winters to unexpected storms. The right coverage protects you from:
- Fire, smoke, wind, and severe weather damage
- Hail, falling tree limbs, and ice-related losses
- Theft, vandalism, and property damage
- Liability claims from injuries on your property
- Additional living expenses after a covered loss
- Damage to detached structures like garages, fences, and sheds
Rich helps you understand your options so you can choose coverage that fits your home, your lifestyle, and your financial comfort level.
Home Insurance Coverage Options
We build policies that make sense — strong protection without unnecessary cost.
Dwelling Coverage
Protects the structure of your home from covered damage.
Personal Property Coverage
Covers your belongings - furniture, electronics, clothing, and more.
Liability Protection
Helps protect you financially if someone is injured on your property.
Loss of Use (Additional Living Expenses)
Covers temporary housing if your home becomes unlivable due to a covered claim.
Other Structures Coverage
Protection for sheds, garages, fences, and detached structures.
Medical Payments Coverage
Pays for minor injuries sustained by guests on your property.
Optional Add-Ons for Extra Protection
Optional add-ons include water backup, identity theft coverage, equipment breakdown, scheduled personal property, extended dwelling replacement, and high-value item protection
You choose the protections that fit your home - we ensure they fit your budget.
Why Choose the Rich Merso Insurance Agency?
Local Knowledge That Matters
Rich has lived near the Midland-Auburn area since 1999 and understands the unique risks Michigan homeowners face.
Clear, Honest Guidance
We explain your coverage options in plain terms so you know exactly what you're paying for - and why.
Premium Protection, Budget-Conscious Approach
Quality coverage shouldn't be confusing or overpriced. We help you get strong protection at a fair value.
High-Trust, Responsive Support
When you need help - whether it's a simple question or a stressful claim - you speak with real people who know you.
Local Presence, Statewide Service
We proudly serve Midland, Auburn, Freeland, Saginaw, Bay City, Gladwin, and all Michigan communities.
Discounts to Help You Save
We help you take advantage of every available discount, including:
- Home + Auto bundle
- Multi-policy discount
- Claim-free homeowner discount
- Protective device discount (alarms, detectors, smart home systems)
- New home or newly renovated home discount
- Responsible payer discount
Ask us how you can save more by bundling your home, auto, and life insurance.
Who We Serve
We support:
- First-time homebuyers
- Growing families
- Homeowners upgrading coverage
- Retirees
- Long-time Michigan residents
- Landlords or seasonal homeowners
Whatever stage of life you're in, we help protect the home that matters most.
Get a Personalized Home Insurance Quote
Whether you're buying a new home or reviewing your current policy, we make it easy to get clear answers and dependable coverage.
Experience the confidence of working with a local, trusted Michigan Farmers® Insurance agent who puts your protection first.