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Painting of the Zachary Hayes Agency office at 311 E Main St in Lowell

Farm Bureau Insurance in Lowell, Michigan

Insurance back to the basics. Are you actually covered?

I sit down with families, farmers, and business owners across Lowell, Ada, Cascade, and East Grand Rapids to make sure their coverage actually matches the life they've built. Clear answers, and an agent on Main Street you can reach by name.

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How it works

From first call to fully covered

Step one of five

We connect

Call, text, email, or send the form, whichever is easiest for you. You'll talk to me, not a call center.

Step two of five

Fact finding

We talk about your home, your drivers, your family, and your plans. Send me your declarations pages and I'll see exactly what you have today.

Step three of five

I build your quote

Most people buy a policy once and never look at it again. I go line by line and build coverage that fits your life, then I show you where your current policies leave gaps.

Step four of five

We meet

I bring the quote to you. Your kitchen table, my office on Main Street, or anywhere that works. About 30 minutes, you leave with an understanding of your insurance.

Step five of five

You're protected

You know what you're covered for, why it matters, and who to call when something happens.

No pressure, no jargon. Just honest conversations about protecting what matters to you.

Zach Hayes outside the red door of his office on Main Street in Lowell

Your agent

Meet Zach

I grew up in Lowell, and my office sits on Main Street.

Before opening it, I spent three years at another agency quoting insurance over the phone. Now I meet people in person and go through their coverage line by line, so they know exactly what they have.

More about me

Areas I serve

Where I work

Most of my clients live in these four communities, and each one brings its own coverage questions.

Lowell

I grew up in Lowell, and my office sits on Main Street. Many homes here are older, and rebuilding plaster walls or an old roofline can cost more than a policy assumes. With frontage on the Flat or the Grand, or acreage outside town, I'll make sure your Farm Bureau insurance in Lowell fits what you own.

See Lowell

Ada

A lot of Ada homes have been remodeled, added on to, or had a basement finished since the policy was written. If the limits never moved with the house, the coverage may fall short. River and lake frontage raise their own questions. I'll review your home insurance in Ada and let you know where it stands.

See Ada

Cascade

Cascade lots tend to be larger, and households often have more drivers and more vehicles in the driveway. That makes your liability limits and Michigan PIP choice worth a careful look. I'll go over your auto insurance in Cascade line by line, and we can review home and auto together so nothing falls between them.

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East Grand Rapids

Homes near Reeds Lake often come with docks, boats, and guests on the water, and each belongs in the same conversation as the house. Family schedules here run full, so as your insurance agent in East Grand Rapids, I'll meet at your home, my office, or online, whichever fits your week.

See East Grand Rapids

Questions

Common questions

Do you only write Farm Bureau?

I'm a Farm Bureau Insurance agent, and I write home, auto, life, farm, and business coverage. If something isn't a good fit for you, I'll tell you plainly.

What do I need for a review?

Your declarations pages for your home, auto, and any other policies you'd like me to look at. A photo or PDF of each one works fine.

What happens in the meeting?

We sit down for about 30 minutes at your home, my office on Main Street, or online. I go through the quote I built for you line by line, show you how it compares with what you have today, and answer every question you bring.

Will you pressure me to switch?

No. I'll show you what I found and let you know what I'd recommend. The decision is yours, and if staying where you are makes sense, I'll tell you that.

I'm happy with my current agent. Why meet with you?

If they're taking good care of you, keep them. A review costs nothing and commits you to nothing. If your coverage is solid, I'll tell you that, and you'll leave more confident in what you have.

Is it safe to send my declarations page?

Yes. Your declarations page lists your coverages and limits. It doesn't include your Social Security number or bank details, and nothing changes unless you decide it should.

Can you come to me?

Yes. We can meet in person at my Lowell office, at your home, or online, whichever is easiest for you.

Do you help with home closings?

Yes. Your lender needs proof of homeowners coverage before closing. I'll work with you and your lender to get coverage in place and explain it in plain language.

What areas do you serve?

Most of my clients live in Lowell, Ada, Cascade, and East Grand Rapids. I also work with families throughout West Michigan.