Mike Fernandez

Meet Mike Fernandez, State Farm Agent in New Lenox, IL

Mike Fernandez is a State Farm insurance agent based in New Lenox, Illinois, serving individuals, families, and business owners across Illinois, Indiana, and Wisconsin. A U.S. Air Force veteran with 29 years of insurance and financial services experience, Mike opened his State Farm agency in 2023 and is licensed in IL, WI, and IN. His office offers auto, home, condo, renters, life, business, motorcycle, boat, umbrella, and pet insurance, plus banking and other financial products.

What Sets This Agency Apart

• U.S. Air Force veteran with 29 years in insurance and financial services

• Licensed in Illinois, Wisconsin, and Indiana

• Education-first approach where recommendations are personalized, not one-size-fits-all

• Long-term customer relationships built on integrity and follow-through

Common Questions Mike’s Office Answers

What auto insurance coverage do I actually need? Coverage needs depend on your vehicle, driving habits, and assets. Mike’s office reviews your situation and recommends coverage levels rather than a default package.

Do I need a Personal Liability Umbrella Policy? If you have significant assets or higher accident risk (teen drivers, a pool, rental property), an umbrella policy adds liability protection beyond your auto and home limits. Mike can assess whether it fits your situation.

Does homeowners' insurance cover water damage? It depends on the cause. Sudden pipe bursts are typically covered, while gradual leaks or flooding usually aren’t. Mike’s office can walk through what your specific policy includes.

How much life insurance does my family need? This depends on income replacement needs, debts, and dependents. Mike’s office runs through a needs analysis rather than a generic multiplier.

What should I review before buying a home or car, or after getting married? Major life changes usually shift coverage needs. Mike’s office offers a no-obligation insurance review to catch gaps before they become a problem.

Serving New Lenox and Beyond Mike is a longtime New Lenox resident serving nearby communities including Mokena, Frankfort, Manhattan, Orland Park, and Joliet, IL, along with customers across Illinois, Indiana, and Wisconsin.