Frequently Asked
Questions

1 

What types of insurance do you offer?

We assist with a variety of personal and business insurance needs, including:

• Auto insurance

• Homeowners insurance

• Renters insurance

• Condo insurance

• Manufactured home insurance

• Seasonal and secondary homes

• Umbrella insurance

• Life insurance

• Business insurance

• Commercial auto insurance

• Workers’ compensation

• Commercial General liability

• Recreational vehicle insurance

• Classic and antique vehicles

• Pet insurance and other specialty products

2

Do you insure clients in both Michigan and Wisconsin?

Yes. M&M Insurance Agency LLC serves clients in both Michigan and Wisconsin, including Menominee, Marinette, Peshtigo, Stephenson, Wallace, Crivitz, and surrounding communities.

3

Can I make changes to my policy by email or voicemail?

Policy changes are not final until confirmed by our office or the insurance carrier. This includes adding or removing vehicles, changing coverage, updating mortgagees, or canceling a policy.

4

How do I get proof of insurance?

You can contact our office during business hours, or access many policy documents online through your insurance carrier’s website or mobile app.

For auto policies, proof of insurance may often be available immediately through the carrier app.

5

What information do I need for a homeowners quote?

Helpful information includes:

Property address
Current mailing address
Current insurance carrier
Date of birth for named insureds
Closing date, if purchasing a home
Roof age
Heating, plumbing, and electrical details
Updates to the home
Mortgagee information, if applicable
Occupancy type, such as primary, seasonal, rental, or vacant

6

Why did my insurance premium increase?

Premiums can change for several reasons, including rate changes, claims activity, coverage changes, household drivers, vehicle changes, property updates, discount changes, inflation, and insurance score factors.

We are happy to review your policy and look for available options or discounts.

7

Do you offer business insurance?

Yes. We assist with coverage for many small business needs, including general liability, commercial property, business owners policies, commercial auto, professional liability, and workers’ compensation.

8

Do you offer insurance for seasonal or secondary homes?

Yes, depending on the property, location, occupancy, and carrier eligibility. Seasonal and secondary homes often require additional underwriting details.

9

Can you help with mortgagee or lender updates?

Yes. We can assist with adding or updating mortgagee, lienholder, and lender information when required by your bank or loan company.

10 

How do I file a claim?

You may contact our office for guidance, or contact your insurance carrier’s claims department directly. Many carriers also offer claims filing by logging to your policy online, or using their mobile pp available in the google play or apple store. For urgent claims, reporting directly to the carrier is usually the fastest option.

11 

Do you provide online quotes?

We do not offer instant online quotes through our website. Insurance pricing depends on many factors, and accurate quotes often require additional information to ensure proper coverage and eligibility.

To request a quote, simply contact our office by phone, email, or through our website contact form. We will gather the necessary information, review available options, and prepare a personalized quote for your review.

Quotes can typically be delivered by email, allowing you to review coverage options, premiums, and recommendations at your convenience before making a decision.