Insurance agencies · Michigan
Insurance Agencies in Fenton, MI
Local agencies in Fenton for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Fenton
Fenton has 11,906 residents in 5,208 households. We list 7 insurance agencies in Fenton. Here is what the local numbers say about the cover people here need.
Fenton at a glance
- 7insurance agencies listed
- 36.9%of households rentRenters insurance
- $235,900median home valueHome insurance
- 1981median year homes were builtRebuild cost calculator
- 4.4%of households have no carAuto insurance
- 4.1%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Genesee County
FEMA rates the overall natural hazard risk in Genesee County, where most Fenton agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:
- Tornado
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Michigan - Strong wind
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Michigan - Ice storm
- Lightning
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Michigan
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Michigan
Michigan requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $10,000 of property damage liability, often written 50/100/10. It also requires personal injury protection and property protection insurance ($1,000,000). Michigan is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in MichiganHow much liability cover do you need?
Source: michigan.gov, limits in force since 2020-07-01. Checked 2026-10-24.
Questions
Insurance agencies in Fenton
How do I find an insurance agency in Fenton?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Fenton?
FEMA's National Risk Index rates inland flooding risk in Genesee County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Fenton?
36.9% of households in Fenton rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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