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Specialty Insurance
Coverage for boats, motorcycles, recreational vehicles, travel trailers, pets, ATVs, side-by-sides, and more.
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Your Local Farmers® Insurance Agent in Midland, MI
At the Rich Merso Insurance Agency, we believe in doing insurance the right way - with honesty, clarity, and a personal touch. As a long-time Midland resident, Rich understands the unique risks Michigan families and businesses face.
Whether you're buying a first policy or reviewing coverage options, our goal is simple: Give you peace of mind with reliable protection and straightforward guidance.
Meet Your AgentLocal Expertise, National Strength
We combine small-town service with the backing of a trusted national brand.
Personalized, Local Service
We take the time to understand your needs and help you choose the right protection.
Clear, Trusted Guidance
Insurance can be confusing - we simplify it for you.
Fast, Responsive Support
Whether you're getting a quote or filing a claim, we're here when you need us.
Comprehensive Coverage Options
From home and auto to business and life, we've got you covered.
Coverage Designed for Real Life
Explore our most popular insurance solutions:




What Michigan Clients Are Saying
Great people. Very friendly and helpful. Went above and beyond in assisting me and insuring that I got the best value for my policy!
Patton Oswald
Proudly Serving Midland & Surrounding Communities, and the Entire State of Michigan
From our local office in Midland, MI, we serve communities across the region:
- Auburn
- Freeland
- Sanford
- Hemlock
- Coleman
- Saginaw
- Bay City
- Beaverton
- Gladwin
and all Michigan communities statewide.
Local knowledge matters - and we're right here when you need us.
Ready to Protect What Matters Most?
Get expert guidance and coverage you can count on.