Kathryn Schram

In 1988, I made the decision to become a State Farm Agent, and it has proven to be one of the greatest choices I've ever made. With a Bachelor's Degree in Education from Wayne State University and a lifelong residency in Macomb County, I am passionate about assisting our customers in managing the risks of everyday life, recovering from unexpected events, and achieving their dreams. When I'm not at the office, you can often find me enjoying activities like biking, birdwatching, or capturing nature through photography.

We aim to be your top choice for all your insurance needs in Michigan. We offer multiple ways to connect with us on your own terms. You can visit our conveniently located office on Gratiot, just south of 22 Mile in Chesterfield. You can also reach out to us via phone, online, or text anytime you prefer. Our 24 Good Neighbor Service means that we are always available to assist you. Don't worry if you're unfamiliar with insurance terms – we will explain everything in a simple and understandable manner. We provide free quotes for a wide range of insurance options, including Auto, Home, Renters, Condo, Boats & RVs, Life Insurance, Business Insurance, and more.

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. In Chesterfield, you can count on Kathryn for personalized service.

Q: How fast can I get car insurance?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Kathryn is here to help your Chesterfield household feel covered.

Q: What coverage is required when leasing a car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Looking for coverage? Talk with Kathryn about your options in Chesterfield.

Q: How would you explain renters insurance?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. Kathryn is proud to serve the Chesterfield community.

Q: How does life insurance work at a basic level?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Serving Chesterfield and the surrounding area, Kathryn can help answer your questions.

Q: Do you have to have home insurance?

A: Homeowners insurance requirements may vary by your state and situation. If you have home financing, your lender will likely require coverage, and many homeowners choose it for added protection. Kathryn serves Chesterfield, MI and is happy to help with your insurance needs.