Michael Kozeliski

Welcome to the Michael Kozeliski State Farm Insurance office here in Gallup, NM!

Protecting what matters most is at the heart of everything we do. Whether you're looking for Homeowners Insurance, Renters Insurance, Auto Insurance, or Life Insurance, my goal is to help you better understand your coverage options so you can make informed decisions for yourself and your family. We take the time to explain how liability coverage works and connect the bigger picture, including how home, life, and disability-related risks can impact your financial future.

Our mission remains focused on helping people protect themselves and what they have. We offer a variety of insurance products designed to help provide a financial safety net when the unexpected happens, so you can move forward with confidence.

With nearly 30 years of experience as a State Farm Insurance Agent and more than 10 years serving customers from this office, I take pride in delivering knowledgeable, personal service. As a fourth-generation business owner, I understand the challenges and responsibilities that individuals, families, and business owners face every day.

My background includes a Bachelor of Science degree in Civil Engineering from New Mexico State University, which helps shape the analytical, problem-solving approach I bring to insurance conversations. I offer a comprehensive range of insurance services, including Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, and health insurance. As a retired Lieutenant Colonel in the United States Marine Corps, I believe in serving others with discipline, integrity, and commitment, values that continue to guide my team and me every day.

My approach to insurance is much like my military service. My team and I are here to help protect and defend what matters most to you, while ensuring that the decisions are always yours. We are proud to serve customers throughout Gallup, New Mexico, and Arizona, and we can assist customers through in-person, virtual, and phone appointments.

Outside the office, I enjoy spending time with my family and our dog, coaching kids, attending their activities, and volunteering as a coach through local schools and church programs. Staying involved in the community helps me stay connected to the people and families we serve. Our office is conveniently located in Gallup along Route 66, near the Gallup Train Station, the Gallup Chamber of Commerce, and next to First American Traders.

We know life doesn't stop, which is why my team and I are available 24/7 to help answer questions, discuss coverage options, and assist when you need us. Whether you're in New Mexico or Arizona, we're committed to being a trusted resource for your insurance needs. If you'd like to review your current coverage or discuss ways to protect what matters most, stop by, call, or reach out to our office for a conversation.

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. We can review the other quotes you have an give you feedback. Michael works with Gallup residents to find coverage that fits.

Q: How soon can I get insured for my car?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. For personalized coverage in Gallup, NM, reach out to Michael.

Q: What are the insurance requirements on a leased car?

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. Connect with Michael for insurance guidance in New Mexico & Arizona.

Q: How would you explain renters insurance?

A: Renters insurance is coverage that helps protect your personal belongings and provides personal liability protection while renting a home, apartment AND if you OWN your home. In New Mexico & Arizona, you can count on Michael and his team for personalized service.

Q: Do you need to carry insurance on your home?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Michael is here to help your Gallup household feel covered.

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

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Looking for coverage? Talk with Michael about your options in Gallup.