TJ Hoes

I'm T.J. Hoes, and I'm thrilled to welcome you to our State Farm Insurance Agency here in Alpena, Michigan. As a long-time resident of this beautiful community, I have a deep appreciation for the people and the charm of our area. I graduated from Central Michigan University with a degree in Personal Financial Advising and have been proudly working with State Farm since 2015.

At our office, we provide comprehensive insurance services, including auto, home, and life insurance, to individuals and families throughout Michigan. What sets us apart is our commitment to personalized service. Our experienced team works diligently to ensure that you receive the right coverage at the right price to meet your specific needs.

In addition to my professional role, I am an active member of the Alpena Chamber of Commerce and a Notary Public. My wife and I have been married for five wonderful years, and together we have two children. As a family, we cherish spending our free time outdoors—hiking, exploring, and enjoying the stunning lakes in our surrounding community.

Giving back to Alpena is a core value for us. We proudly support local organizations such as Friends Together, the Huron Humane Society, and local sports teams. Our dedication to community service is reflected in everything we do, both in and out of the office.

If you're interested in receiving a quote or learning more about how we can help protect what matters most to you, please don't hesitate to give us a call. We look forward to serving you and becoming your trusted partner in insurance. We pride ourselves on having a comprehensive conversation to make sure we are providing you the right policy for your budget.

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Have questions? TJ in Alpena can walk you through your options.

Q: How quickly can car insurance coverage start?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. TJ works with Alpena residents to find coverage that fits.

Q: What kind of insurance do I need for a leased vehicle?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. TJ serves Alpena, MI and is happy to help with your insurance needs.

Q: What does renters insurance cover?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Connect with TJ for insurance guidance in Alpena.

Q: How does life insurance work at a basic level?

A: Life insurance is a way to help take care of the people you love financially. It can provide support to your beneficiaries to help cover things like everyday expenses, debts, or future needs, depending on the coverage you choose. In Alpena, you can count on TJ for personalized service.

Q: What does home insurance cover?

A: Homeowners insurance can help protect your home, your belongings, and your financial well-being. It may cover the structure of your home, your personal property, and provide liability protection, along with help for additional living expenses in certain situations. TJ is here to help your Alpena household feel covered.