About Camp Insurance Agency
Where Experience Meets Insurance Made Simple
At Camp Insurance Agency, we believe insurance should feel clear, practical, and personal. As a Michigan insurance agency serving families, homeowners, drivers, and business owners, we built our company around one simple idea: people deserve honest guidance for home, auto, life, and business insurance before problems happen, not after. Our story did not begin in a call center or a sales room. It began in the real world, on damaged properties, through difficult conversations, and in moments when people discovered their coverage was not what they thought it was. That is exactly why we do things differently now.
Our Story Started in the Aftermath
Before we opened Camp Insurance Agency in November 2025, we spent 12 years inspecting storm damage and seeing what happens when protection falls short. We stood in the aftermath with property owners who were frustrated, confused, and sometimes heartbroken because their policies did not match the promises they believed they had been given.
That experience changed us.
We knew we wanted to move from the aftermath of disaster into the preparation stage. We wanted to help people understand what they were buying before a claim ever happened. We wanted to remove the confusion, strip away the jargon, and replace pressure with clarity. That became the heartbeat of our agency.
So when we say we make insurance simple, honest, and transparent, it is not a slogan we picked because it sounds good. It is a response to what we have seen firsthand. We know how much is at stake when coverage matters most, and we believe there should never be surprises in that moment.
The Foundation Behind Our Agency
While the agency itself is new, the experience behind it goes back decades.
Our leadership brings together a rare mix of backgrounds that shape the way we serve every client. Before launching the agency, our founder spent years in real estate brokerage and development, served six years as a Deputy Sheriff, and built more than a decade of experience in insurance inspection. That combination matters more than most people realize.
It means we understand value from a real estate perspective. We understand pressure, responsibility, and service from a law enforcement perspective. And we understand damage, exposure, and claims realities from an inspection perspective.
That kind of experience gives us a wider lens. We are not just looking at a policy form. We are looking at the life, property, business, and future behind it.
Why We See Risk Differently
A lot of agencies sell policies. We audit risk.
That is one of the biggest differences about the way we work. Because of our storm damage inspection background, we tend to notice the details other people miss. We know where hidden vulnerabilities can show up. We know the red flags that can create trouble later. We know what adjusters are often looking for after a loss.
That inspector’s eye helps us ask better questions from the beginning.
When we review a home, a business, or an existing policy, we are not just trying to quote a number. We are trying to understand whether the protection actually fits the risk. That approach helps our clients make more informed choices, and it helps them avoid the painful gap between what they assumed they had and what their policy actually says.
As we like to say, insurance should make sense before you need it.
What We Offer Today and Where We Are Headed
Right now, we are a full-service insurance shop offering home insurance, auto insurance, and life insurance, while also supporting commercial clients. As we grow, we are evolving into a more specialized agency model.
Our long-term vision is to become a trusted hub for commercial and business insurance, while our expanding team continues to serve personal lines clients with the same care and clarity that built our reputation. We are especially passionate about helping self-employed professionals, contractors, artisans, and small business owners find protection that matches the way they actually work.
We also use competitive business insurance pricing programs that can be especially valuable for entrepreneurs and owner-operators who need smart coverage without unnecessary complexity.
The People
We Are Proud to Serve
We work with a wide range of clients across Michigan, but there are a few groups we are especially passionate about serving. Homeowners remain one of our most active areas of service, especially people who want a clearer understanding of what they are really covered for. We also love helping artisans, contractors, and self-employed professionals who need practical insurance support tailored to the realities of running a business. And because service matters deeply to us, we offer specialized Community Servant Discounts for people who keep communities moving forward, including:
First responders and doctors
Teachers and lawyers
Licensed professionals, including realtors
Artisans and contractors through specialized programs
We Speak Human, Not Insurance-ese
One thing our clients tell us again and again is that they appreciate how we communicate.
We do not believe in talking over people. We do not hide behind technical language. We do not create pressure just to close a sale. We would rather have a real conversation than deliver a polished pitch.
When you talk with us, you can expect us to listen first. We want to know about your family, your business, your goals, and your concerns. Then we walk you through your options in plain English. We show you where the gaps are, explain how coverage works, and help you make a decision you actually feel good about.
That no-pressure approach is intentional. Education comes before transaction here. Always.
A Team Built on Service and Integrity
Camp Insurance Agency is growing, and we are excited about the future. We are building a high-energy, community-focused team that believes in solving problems, not chasing quotas.
When we look for new agents, we look for servant leaders. We want people who care more about helping a client find the right solution than forcing a sale. Integrity is not optional here. It is the standard.
That mindset shapes our culture. We want our team to be ambitious, supportive, knowledgeable, and grounded. As we continue to grow in Fenton, we are focused on building a team that reflects the values our clients deserve: honesty, humility, urgency, and real care.
Our Team
Kelly Urrutia
Meet Kelly Urrutia, one of our new Farmers Agents. She might be new to Farmers but she has been in insurance practically her whole life. She comes from a family of insurance specialists and started her own insurance career at 17 with Meemic Ins. headquarters out of Auburn Hills MI. She stayed there for 3 years while attending Oakland University. Meemic made her fall in love with the idea of insurance and helping people recover from accidents and disasters. She put her desire to be a teacher on hold and continued in the industry. From the headquarters she moved over to a Meemic Agency in Southfield for 6 years where she became licensed and started selling. After the Southfield Agency, she moved north to the Meemic Flint office for 11 years. She took a few years off to raise her family. She is happily married with two beautiful children who attend the Fenton Schools. Kelly is a proud member of the Fenton community where she owns a home near Lake Ponemah. She spends her summers on the lake and the winters waiting for summer. She takes great pride in her work and helping ensure her clients are properly covered. She doesn’t sell cut throat coverage to make the sale. She invests her time to get to know you and familiarize herself with your insurance needs. She looks forward to meeting you all and helping you with your insurance journey!
Wynter Molina
I am a proud Lapeer, Michigan resident, where I live on my beautiful family farm alongside my husband, who serves on the fire department, and with our energetic Dalmatian. I’m deeply connected to my community; I truly thrive on making a positive impact and helping others in any way I can.
I hold my Associate Degree in Sciences and General Studies from Mott Community College, which helped fuel my diverse interests and love for learning.
As an enthusiastic lover of nature, I am happiest when I am outdoors. Whether I am setting up camp under the stars, casting a line while fishing, or simply enjoying life on our farm, I embrace every opportunity to explore and appreciate the Michigan countryside.
What We Have Learned Along the Way
Every business has defining moments. Ours were shaped long before this agency officially opened.
Living through the 2007 market crash as a business owner taught us resilience. Working in law enforcement taught us how to stay steady under pressure. Leaving that field was a pivotal moment because it clarified something important: we wanted to help people in a way that aligned with our values and personality.
That realization led us here.
Today, that life experience shows up in the way we serve. We understand that what people are protecting is rarely just a structure, a vehicle, or a line item on a policy. It is the life they have spent years building. It is their family’s security. It is their business dream. It is their peace of mind.
That is why we take this work personally.
Frequently Asked Questions
We offer home, auto, life, and business insurance, with a growing focus on commercial and small business coverage.
We go beyond quoting policies. We audit risk, explain coverage in plain language, and use our inspection background to identify issues others may overlook.
Yes. We specialize in helping small business owners, artisans, contractors, and self-employed professionals find coverage that fits how they operate.
It feels like a conversation, not a sales pitch. We ask questions, learn about your goals, and clearly explain your options.
Yes. We offer Community Servant Discounts and specialized programs for select professions, including first responders, doctors, teachers, lawyers, Realtors, and contractors.
We address it directly. We do not rely on an 800-number. Instead, we advocate on your behalf to help achieve a faster and clearer resolution.
Why Our Clients Trust Us With What Matters Most
At Camp Insurance Agency, we know trust is earned in the small moments, the honest answers, the clear explanations, and the willingness to tell someone the truth even when it would be easier not to. We are here to protect more than policies. We are here to protect homes, businesses, families, and futures with the kind of care that only comes from lived experience. Our promise is simple: we will listen first, explain clearly, and help you make confident decisions without pressure, confusion, or surprises. That is our story, and we are just getting started.