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welcome!
The Karen Thomas Agency is a family business and we want our clients to feel welcomed into our agency. My children have all grown up in Michigan and graduated from Michigan schools. We have three children, son Michael and daughters Julia & Lauren both as well as 3 grandchildren – Rose, Beck and Avery. We are a house divided with graduates from Michigan State, University of Michigan and Saginaw Valley State University. We are passionate about making sure our customers are protected, so I help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options–whether that’s auto, home, renters, business insurance and more. We offer coverage on an individualized basis and want to make sure you understand your investment.
Give me a call at (248) 301-0011 and I’ll be happy to answer any questions you might have.
Areas of focus
![Owning a Small Business](https://michfarmers.com/wp-content/uploads/2017/02/home-insurance.jpg)
When you’re a small business owner, you may have to make tough sacrifices. Insurance shouldn’t be one of them. Come see me and I’ll help you select the coverage you want.
![Texting and Driving](https://michfarmers.com/wp-content/uploads/2017/02/auto.jpg)
Texting and Driving is against the law in Michigan. How safe of a driver are you and how safe are your kids?
The blog
![How Umbrella Insurance Works](https://michfarmers.com/wp-content/uploads/2019/11/3.jpg)
Most types of insurance provide one specific kind of coverage. For instance, your auto insurance policy protects you in case of a car accident, while your homeowners policy covers your house, and the belongings in it, against theft or damage. By contrast, umbrella insurance is a single policy that covers most aspects of your financial life – just like an umbrella covers every part of your…
![What is the difference between Standard Collision and Broadened Collision Coverage?](https://michfarmers.com/wp-content/uploads/2019/11/2.jpg)
When it comes to buying auto insurance, most people we talk to simply know they want “PLPD” or “Full Coverage,” but do not know that you and options when it comes to the type of collision coverage you want. Full coverage consists of physical damage coverage and entails two parts; comprehensive coverage (cracked windshield, hitting a deer, vandalism, stolen, etc.)…
![Auto insurance reform goes into effect July 2, 2020.](https://michfarmers.com/wp-content/uploads/2019/11/1.jpg)
Beginning in 2020, Michigan drivers will be able to select their preferred level of PIP, the coverage that pays for medical coverage if you are injured in an auto accident. Based on your eligibility and individual needs, you’ll be able to select from the coverage options available or you may be able to waive PIP medical coverage altogether. Here is…