Allstate Insurance Agent
Melissa Stephens, Three Rivers, MI

310 S US Highway 131

Three Rivers, MI 49093

Call

(269) 273-2200to quote by phone

Call

(269) 273-2200to quote by phone

Call

(269) 273-2200to quote by phone

Call

(269) 273-2200to quote by phone

Select a product to get a quote

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:30 AM - 5:30 PM
Tue	8:30 AM - 5:30 PM
Wed	8:30 AM - 5:30 PM
Thu	8:30 AM - 5:30 PM
Fri	9:00 AM - 5:00 PM
Sat	Available by appointment
Sun	Closed

After-hours appointments available.

Available 24/7 at

(269) 273-2200

310 S US Highway 131
Three Rivers, MI 49093
US

Map of 310 S US Highway 131 in Three Rivers

Landmarks

At the corner of US Highway 131 and Millard Rd (side road to Walmart)

Areas Served

Three Rivers, Schoolcraft, Mendon, White Pigeon, Sturgis, Centreville, Cassopolis, Constantine, Dowagiac, Portage, Kalamazoo, Vicksburg, Paw Paw, Mattawan

Additional Contact

Fax: (269) 273-2201

Toll Free: (866) 960-0922

Languages

English

Social

Melissa Stephens: Allstate Insurance

You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Insurance Agent: Melissa Stephens

Products we offer:

Car Insurance Agent in Three Rivers
Car Insurance Agent in Three Rivers
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
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Home Insurance Agent in Three Rivers
Home Insurance Agent in Three Rivers
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
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Condo Insurance Agent in Three Rivers
Condo Insurance Agent in Three Rivers
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
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Renters Insurance Agent in Three Rivers
Renters Insurance Agent in Three Rivers
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
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Motorcycle Insurance Agent in Three Rivers
Motorcycle Insurance Agent in Three Rivers
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
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Business Insurance Agent in Three Rivers
Business Insurance Agent in Three Rivers
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Three Rivers
Life Insurance Agent in Three Rivers
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Three Rivers
ATV Insurance Agent in Three Rivers
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
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Boat Insurance Agent in Three Rivers
Boat Insurance Agent in Three Rivers
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

10+

Years of
Experience

25+

Years in the
Community

Your Local Allstate Team

Melissa Kleinert

Agency Owner

Melissa has been an Allstate Agency Owner for over 16 years. My goal for our Agency is to provide an outstanding experience for each and every customer or prospective customer. Our Ultimate goal is to be everything that they're current or previous agent is not. We take pride in the quality of our products and the level of service that we provide customers. We value a sales process that includes a complete explanation of risks as well as a list of possible solutions. We will be there for customers to help their future, when they buy a new car, when they have their first child, when they retire and more importantly when they experience an unfortunate event such as a catastrophe, loss of property or loss of a loved one. We are there to help them protect what is most important to them and their families. There is no greater feeling than knowing we can replace the financial loss even though we cannot replace property or lives.

Kate Proxmire

Licensed Sales Professional

Kate brings over two decades of leadership and innovation in the insurance industry to our team. As a Licensed Sales Professional at the Melissa Stephens Agency, Kate is passionate about helping customers protect what matters most with personalized insurance solutions for home, auto, and more.

Before joining our agency, Kate held multiple senior leadership roles at another large Insurance Company. Kate’s extensive background also includes managing and supporting agency development country wide, and delivering high-impact training and customer service.

With a strong foundation in sales strategy, stakeholder engagement, and customer-focused service, Kate is excited to bring her experienc to the local community. Whether you’re buying a new home, insuring a vehicle, or reviewing coverage options, she’s here to help every step of the way.

Regan Slone

Licensed Service Professional

Regan brings a strong background in customer service, sales, and insurance to the Melissa Stephens Agency. Before joining our team, she worked as an Insurance Producer at another national insurer, where she built lasting customer relationships, helped identify coverage needs, and delivered tailored insurance solutions across multiple lines. Her experience collaborating with underwriters, preparing accurate quotes, and providing top-tier customer service helps every customer feel supported and understood.

With over 10 years of experience in customer-facing roles, including recruiting and hospitality, Regan has developed excellent communication skills, attention to detail, and a true commitment to helping people. She is passionate about creating positive experiences for customers, whether it’s answering questions, resolving issues, or guiding them through important insurance decisions.

Originally from Vicksburg, Michigan, Regan is excited to serve the local community through her role at the agency. Her organizational skills, problem-solving mindset, and customer-first approach make her a valuable part of our team.

When you work with Regan, you can count on her to provide the personalized service and professionalism our agency is known for!

Kristin Tole

Licensed Sales Professional

Kristin grew up right here in the Three Rivers area and is excited to serve her hometown community with the Agency. She brings years of customer service and office management experience. With a background that includes retail, business management, and administrative support, Kristin is known for her attention to detail, organization, and dedication to helping others. She’s eager to assist customers in selecting the right coverage for their insurance needs and takes pride in seeing every customer feels comfortable, informed, and confident in their protection choices.

Allstate Insurance Agent Reviews

karl wingo

May. 5, 2026

janet wiersma

Feb. 15, 2026

Agent Response

Thank you for your feedback. We’re sorry to see

Thank you for your feedback. We’re sorry to see that your experience didn’t fully meet expectations. At the Melissa Stephens Agency, we strive to provide excellent service and clear communication, and we would truly appreciate the opportunity to learn more about how we can improve. Please feel free to call or email our office so we can personally address any concerns. We value your business and are here to help.

corrina bowers

Feb. 12, 2026

Agent Response

Thank you for the 5 stars! We appreciate your busi

Thank you for the 5 stars! We appreciate your business and look forward to continuing to serve you.

linda leece

Feb. 11, 2026

Regan was very informative and was happy with jet explanation and quote.

Agent Response

Thank you so much for your 5-star review! We’re

Thank you so much for your 5-star review! We’re thrilled to hear that Regan was informative and that you were happy with her explanation and your quote. Taking the time to clearly walk through coverage options and answer questions is something our team truly prioritizes. We appreciate your trust in the Melissa Stephens Agency and look forward to continuing to serve you!

jack braford

Feb. 5, 2026

Agent Response

Thank you so much for the 5-star review! We truly

Thank you so much for the 5-star review! We truly appreciate your support and your trust in the Melissa Stephens Agency. Our team is always here to help with your insurance needs, and we’re grateful to serve you.

kim murray

Jan. 7, 2026

So far so good. Everyone I’ve dealt with has been very helpful and kind. I look forward to a long and successful relat

So far so good. Everyone I’ve dealt with has been very helpful and kind. I look forward to a long and successful relationship with all of you! I have no qualms in recommending your agency.

Agent Response

Thank you so much for your kind words, Kim! We’r

Thank you so much for your kind words, Kim! We’re thrilled to hear that your experience has been “so far so good” and that our team has been helpful and kind. That’s exactly the experience we strive to provide every day.

We truly appreciate your recommendation and your trust in the Melissa Stephens Agency. We look forward to building a long and successful relationship with you as well — and we’re always here whenever you need us!

jacqueline redmond

Jan. 3, 2026

I feel I was misunderstood when I emailed the office. They sent unnecessary policy information. And offered to raise o

I feel I was misunderstood when I emailed the office. They sent unnecessary policy information. And offered to raise our deductibles which isn’t something we want.

Agent Response

Thank you for your feedback. We’re sorry to hear

Thank you for your feedback. We’re sorry to hear that there was some miscommunication regarding your email and the information you received. Our intention is always to provide clear options and helpful guidance — including deductible options when discussing coverage or premium changes — but we certainly understand that may not have been what you were looking for.

We truly value your business and would welcome the opportunity to review your concerns directly to ensure everything is aligned with your preferences. Please feel free to contact our office so we can make sure your coverage is structured exactly the way you want it. We’re here to help.

gary markos-schermerhorn

Dec. 29, 2025

Agent Response

Thank you for your review, Gary. We appreciate you

Thank you for your review, Gary. We appreciate your business and are always looking for ways to improve. If there’s anything we can do to better serve you, please don’t hesitate to reach out — we’d love the opportunity to earn your full satisfaction.

bunny chirsterson

Dec. 29, 2025

I’m happy with your service

Agent Response

Thank you for your 4-star review! We truly appreci

Thank you for your 4-star review! We truly appreciate your support and the opportunity to serve you. Our team is always working to provide the best possible experience, and if there’s ever anything we can do to earn that fifth star, please don’t hesitate to let us know. We’re here to help!

ruthanne hassenger-farris

Dec. 18, 2025

Office individuals have always been helpful. Have always have trouble accessing the website connection even when resett

Office individuals have always been helpful.

Have always have trouble accessing the website connection even when resetting the password.

Agent Response

Thank you so much for the 5-star review! We truly

Thank you so much for the 5-star review! We truly appreciate your kind words about our office team — providing helpful and responsive service is always our priority.

We’re sorry to hear you’ve experienced difficulty accessing the website, even after resetting your password. We understand how frustrating that can be. Please feel free to contact our office directly and we’ll gladly walk you through it or help find an alternative solution to make things easier for you.

Thank you again for your continued trust in our agency — we’re always here to help!

tiffany bentley

Dec. 16, 2025

Agent Response

Thank you so much for the 5-star review, Tiffany!

Thank you so much for the 5-star review, Tiffany! We truly appreciate your support and your trust in the Melissa Stephens Agency. Our team is always here to help with your insurance needs, and we’re grateful for the opportunity to serve you.

james merkle

Dec. 16, 2025

It was easy and caring about our situation I would recommend them

Agent Response

Thank you so much for your kind review! We’re so

Thank you so much for your kind review! We’re so glad to hear that your experience was easy and that you felt cared for throughout the process. Taking the time to understand each client’s unique situation is very important to our team. We truly appreciate your recommendation and your trust in our agency — we’re always here whenever you need us!

katherine blakely

Dec. 15, 2025

Agent Response

Thank you so much for your review! We appreciate y

Thank you so much for your review! We appreciate your business and are committed to delivering the best possible experience. If there’s ever anything more we can do for you, please don’t hesitate to reach out — we’re always here to help.

jesus pantoja

Dec. 6, 2025

???? Nothing good to say

Agent Response

We’re sorry to see this review and would genuine

We’re sorry to see this review and would genuinely like the opportunity to understand what led to your experience. At the Melissa Stephens Agency, we take pride in providing responsive service and clear communication to our clients. Since we don’t have any details to reference, we invite you to contact our office directly so we can address any concerns and work toward a resolution. Your feedback matters, and we’re here to help.

james perry

Oct. 8, 2025

so far so good

Agent Response

Thank you for your review, James! We’re glad to

Thank you for your review, James! We’re glad to hear it’s been “so far so good.” Our team works hard to make sure every experience is smooth and straightforward, and we truly appreciate your trust in the Melissa Stephens Agency. If there’s ever anything we can do to make it even better, please don’t hesitate to reach out — we’re here to help!

rajasekhar jupalli

Oct. 7, 2025

Very professional, pleasant to talk to, very informative
Enjoyed working with Melissa and her associates

Agent Response

Thank you so much for your kind words and the 5-st

Thank you so much for your kind words and the 5-star review! We truly appreciate you taking the time to share your experience. Our team works hard to be professional, informative, and easy to talk to, so it means a lot to hear that you enjoyed working with us. We’re grateful for your trust in the Melissa Stephens Agency and look forward to continuing to serve you!

michael delaney

Oct. 4, 2025

Very honest ppl

Agent Response

Thank you for the 5-star review, Michael! We truly

Thank you for the 5-star review, Michael! We truly appreciate your kind words. Honesty and transparency are extremely important to us, and we’re grateful that you felt that in your experience with our team. Thank you for trusting the Melissa Stephens Agency — we’re always here to help!

angela roberts

Aug. 26, 2025

Agent Response

Thank you so much for the 5-star review, Angela! W

Thank you so much for the 5-star review, Angela! We truly appreciate your support and your trust in the Melissa Stephens Agency. Our team is grateful for the opportunity to serve you and is always here to help with your insurance needs. We look forward to continuing to work with you!

mary horrell

Apr. 8, 2025

so far very good

Agent Response

Thank you for your five-star review! We're delight

Thank you for your five-star review! We're delighted to hear that your experience with the Melissa Stephens Agency has been positive so far. Our team is committed to providing excellent service and tailored insurance solutions, whether it's auto, home, or life insurance. We strive to ensure that our clients feel confident and secure with their coverage. If you have any questions or need assistance, please don’t hesitate to reach out. We look forward to continuing to serve your insurance needs!

robert sangster

Apr. 3, 2025

Agent Response

Thank you so much for your fantastic five-star rev

Thank you so much for your fantastic five-star review! At the Melissa Stephens Agency, we pride ourselves on providing exceptional customer service and tailored insurance solutions. Whether you're looking for auto, home, or life insurance, our dedicated team is here to help you find the best coverage at competitive rates. Your satisfaction is our top priority, and we are thrilled to have earned your trust. If you have any questions or need further assistance, feel free to reach out. Thank you for choosing us for your insurance needs!

Allstate Online Review Policy