John Fulmer

🍂 As the leaves change and cooler weather settles into Michigan, it’s a great time to review both your auto and home insurance. Fall can bring wet leaves, slick roads, chilly temperatures, heavy rain, and even early-season frost or snow, so having the right coverage can help protect your vehicle, your home, and your loved ones.

Take a few minutes this season to make sure your policies still match your current needs and keep you protected throughout a Michigan fall. 🍁🏡🚗

I am your State Farm Insurance Agent for the Coldwater, MI area. I have been with State Farm for over twenty eight years, with 16 years serving Branch County area as a State Farm Agent. I am a graduate of Olivet College - B.A. in Business Management. I am a father of 4 wonderful children and newly married to my wonderful wife. We enjoy assisting resident relocations to the Coldwater, MI area including Quincy and Indiana! We focus on Auto Insurance, Home Insurance, Renter’s Insurance, Motorcycle Insurance, Boatowners Insurance, Life Insurance, Health Insurance, Business Insurance, and Pet Insurance throughout the Coldwater, MI area including Quincy and Indiana with our competitive prices! Call or stop by the office for your free Personal Price Plan!

What factors affect my auto insurance pricing? Your driving record, age, location, type of vehicle, and coverage levels all impact your price.

What does homeowners insurance cover? It protects your home, personal belongings, and provides liability coverage if someone is injured on your property.

Do renters need insurance? Renters insurance isn’t required, but it protects your belongings and offers liability coverage.

How much life insurance do I need? Typically 10–15 times your annual income, depending on your debts, living expenses, and future financial obligations.