PROTECTION BUILT FOR REAL LIFE
Coverage that holds up when it matters most.
Most agents sell you a policy. The Kregel Agency builds you a protection strategy - one that accounts for your income, your assets, your business and the people depending on all of it.
WHAT WE COVER
Farm Bureau Insurance Products
As a licensed multi-line Farm Bureau agency, you have access to a full suite of coverage options - each evaluated as part of your broader financial picture.
Michigan's auto insurance law is one of the most complex in the country. The 2019 reform changed everything: from PIP (Personal Injury Protection) medical selections to mini-tort limits. Getting this coverage wrong has real consequences.
-
Unlimited vs. limited PIP medical - the decision that matters most
-
Uninsured and Underinsured motorist protection
-
Collision, comprehensive and roadside coverage assistance
-
Mini-tort liability guidance for Michigan roads
Auto Insurance
Michigan's no-fault system, navigated for you.
Life insurance isn't a morbid topic, it's a financial planning tool. Jenetta's own story is proof that the right coverage in place changes everything for the people left behind.
-
Term life - income replacement for your working years
-
Whole and Universal Life - long-term wealth protection
-
Annuties - guaranteed income in retirement to address the low-risk aspect of your investment portfolio
-
Beneficiary and estate coordination
Life Insurance & Annuities
To plan far into your future
Lakefront homes have unique insurance needs that standard homeowners policies don't cover. This unique policy is ideally suited to primary and vacation lakefront homes.
-
Dwelling coverage
-
Loss of use for up to 24 months
-
Special coverages such as fuel spill liability, uninsured boaters, wind-driven ice, wave action (single storm) and more
-
Optional coverages including extended replacement cost and extended premier replacement cost
Lake Estate®
Protect your dream
A home policy isn't just about the structure — it's about replacement cost, liability exposure, and what happens when Michigan weather doesn't cooperate.
-
Dwelling replacement cost coverage
-
Personal liability and medical payments
-
Sump pump backup & water damage riders
-
Scheduled personal property for valuables
Home & Property
Your biggest asset deserves a real strategy
Business owners carry unique risk that personal policies can't cover. With 20+ years in corporate finance, Jenetta understands exposure at the organizational level, well beyond the surface.
-
Business owners policy (BOP)
-
Commercial auto and fleet
-
General and professional liability
-
Key person and buy-sell life coverage
Business Insurance
Protect what you've built
Ensure you have the right coverage to continue enjoying the hobbies you love.Â
-
Boats up to 50' long and up to $500,000 in value
-
Personal watercraft
-
Motohomes, fifth-wheels, pop-up campers, trailers, etc.
-
ATVs, UTVs and ORVs like snowmobiles and golf carts
-
Classic and custom motorcycles, motor scooters, mini-bikes, trail bikes. Morotcycle policies include medical payments coverage, bodily injury liability coverage, collision and comprehensive, property damage and uninsured/underinsured coverage
Recreational Vehicle
Boat/Motorcycle/RV/Classic Cars
MICHIGAN COVERAGE GUIDE
Why Michigan drivers and homeowners need to pay attention
Michigan has some of the highest uninsured motorist rates in the country and a no-fault auto law that routinely confuses even experienced policyholders. These aren't abstract risks; they show up in real claims, in real families and carry real consequences.
25%
Percentage of uninsured Michigan drivers
Michigan consistently ranks among the top states for uninsured motorists. If you're hit by one of them without the right coverage, your own policy is your only protection.
​
Source: Insurance Research Council
#1
Highest auto premiums nationally
Michigan routinely leads the nation in auto insurance costs. Understanding how the 2019 PIP reform affects your premium and coverage is essential to making the right selection.
Â
Source: National Association of Insurance Commissioners
2019
No-fault reform - still confuses people
The PIP medical benefit selection that came with reform can significantly reduce your premium — but choosing wrong can leave you seriously exposed in a serious accident.
Source: Michigan Department of Insurance & Financial Services
Jenetta's take: "The PIP decision alone is worth having a real conversation about. Most people select their level based on price. However, the right answer depends on your health insurance, your income and your household is structured. That's exactly the kind of analysis we bring to an insurance conversation."
THE KREGEL DIFFERENCE
What we see that other agents don't
Coverage decisions are financial but it is critical to look beyond the quote so you and your family are covered, no matter what.
"Where most agents run quotes, I build strategies."
Jenetta reviews your full financial picture — income, assets, business exposure, and legacy goals — before recommending a single product. The result is coverage that actually holds up when it matters most, not coverage that simply satisfies a quote request.
- JENETTA KREGEL, CPA • FARM BUREAU INSURANCE AGENT
Full financial picture
Coverage is evaluated against your income, assets, and long-term obligations - not in isolation
Gap identification
We spot exposures that standard coverage checklists routinely miss
Long-term thinking
Built for where your life is going, not just where you are today
Personal. Always local
Jenetta lives and works here. She's not a call center, she's your neighbor.