Serving the Upper Peninsula with integrity

Your family and business deserve protection that actually works for you.

At Chopp-Kallio Insurance Agency, we don't just sell policies — we build lasting relationships that mean faster claims, fairer rates, and peace of mind when it matters most.

Get Your Free Quote (906) 296-6161
Locally Owned & Operated
Personalized Coverage Plans
Claims Advocacy
Professional insurance consultation in a comfortable office setting
25+ Years Serving
Lake Linden & the UP
What We Offer

Insurance solutions built around your life

Whether you're protecting your home, your vehicle, your health, or your business — we craft coverage that fits your situation and your budget.

Home Insurance

Protect what matters most — your home, your belongings, and the memories inside it. We cover damage, theft, and liability with policies tailored to Upper Peninsula living.

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Auto Insurance

From daily commutes to weekend adventures, we keep you covered on the road. Liability, collision, comprehensive — we'll find the right mix at a price that makes sense.

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Life Insurance

Give your family the security they deserve. We offer term, whole, and universal life policies designed to protect your loved ones no matter what the future holds.

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Business Insurance

Run your business with confidence. We provide commercial property, liability, workers' compensation, and specialty coverage for businesses of every size in the region.

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Health Insurance

Navigating health insurance shouldn't be a full-time job. We help individuals and families find plans that fit their needs and budget, with ongoing support year-round.

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Umbrella & Specialty

Extra protection for unusual risks. We offer umbrella policies, flood insurance, and specialty lines to fill the gaps that standard policies leave behind.

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Chopp-Kallio Insurance Agency office exterior in Lake Linden
Friendly insurance agents meeting with a client
25+ Years of
Service
About Us

A local agency that treats your policy like it's their own

Chopp-Kallio Insurance Agency has been a cornerstone of the Lake Linden community for over two decades. We started as a family-owned office with a simple belief: insurance should be personal, not transactional.

That philosophy hasn't changed. When you walk through our doors at 322 Calumet Street — or call us, or email us — you're talking to people who know your name, understand your situation, and will fight for you when a claim needs to be filed.

Community-First

We live here, raise our families here, and invest in the future of the Upper Peninsula just like you do.

Transparent & Honest

No fine-print surprises. We explain your options clearly and recommend what's genuinely right for you.

Always Available

Claims don't wait for business hours — and neither do we. Reach us by phone, email, or in person whenever you need us.

Why Choose Us

The difference between having insurance and being protected

Anyone can sell you a policy. We make sure that policy actually covers you when life happens. Here's what sets Chopp-Kallio apart:

01

One Agent, Full Oversight

Your policy isn't passed around a call center. A real person reviews it, explains it, and re-evaluates it every time your life changes.

02

Multiple Carrier Options

We shop dozens of top-rated carriers to find the right fit — not the one that pays us the most commission.

03

Claims Advocacy

When something goes wrong, we're in your corner — preparing your claim, communicating with adjusters, and making sure you're treated fairly.

04

Annual Policy Reviews

Your life changes. We make sure your coverage keeps up — no gaps, no overlap, no wasted premiums.

Insurance agent shaking hands with a satisfied client in the Lake Linden office
100%
Client Retention Rate —
because we earn your trust every day
Client Stories

Trusted by families and businesses across the Upper Peninsula

"When our basement flooded last winter, Chopp-Kallio had us through the entire claim process. They knew exactly what to say to the adjuster and made sure we weren't shortchanged. That's the kind of advocacy you can't put a price on."

Margaret H. Lake Linden, MI

"I switched from a national big-box insurer and immediately noticed the difference. Here, someone actually answers the phone, remembers my policy details, and calls me back when they say they will. It's refreshing."

Robert D. Houghton, MI

"As a small business owner, I needed coverage that understood the realities of running a local operation. Chopp-Kallio put together a package that protected my property, my employees, and my bottom line — all for a reasonable premium."

Susan L. Calumet, MI

Ready to feel confident about your coverage?

Schedule a no-obligation consultation and discover how much simpler insurance can be. We'll review what you have, spot the gaps, and build a plan that actually protects you.

Request a Free Consultation Call (906) 296-6161
Get In Touch

Let's talk about protecting what matters to you

Whether you need a new policy, want to review your current coverage, or have a question about a claim — we're here to help. Reach out by phone, email, or stop by our office anytime.

Visit Us

322 Calumet St
Lake Linden, MI 49945

Call Us

(906) 296-6161

Office Hours

Monday – Friday: 9:00 AM – 5:00 PM
Saturday – Sunday: By appointment

Request a Free Quote

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