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Dedicating Our Lives to Insuring Yours

Since 1938, RSI has been providing reliable service and insurance to protect what matters most.

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The Solution to Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what RSI does best.

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Russell & Schrader Insurance Agency Inc.

The small town insurance agency you know and trust.

Since 1938, Russell & Schrader Insurance Agency, or RSI, has grown over the decades into a small town agency with a large scale focus on innovation and serving your insurance needs. From the beginning, our dedication to our clients and the built-in automation of our agency operations is designed to make your insurance experience simple. So sit back, relax, and get the coverage you need from the team at RSI.

Our History

Our agency is the product of two agencies coming together to better serve the needs of our clients and community.

Did you know?

Our historic office was built in 1900 by the then mayor of Charlotte, MI.

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Meet the Owner

Stephen B. Shook, President

  • Named Michigan’s most outstanding insurance agent in 2006.
  • Innovated with automation to double the size of the agency.
  • Purchased and merged two agencies to form RSI.
  • Has decades of insurance experience.
  • Dedicated to serving his clients and supporting his team.

Service With a Local Touch

The RSI team is here to serve your insurance needs. Stop by our office in Charlotte, MI, or contact us to speak with a real person, never an automated response. We’re proud to serve people and businesses in Michigan and Tennessee.

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“I just want to thank Russell & Schrader Insurance for the deal on my mom’s auto and homeowners insurance! All told she saved over $700 for the year! They are our insurance agents for life!”
– Deb Cook
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“Russell and Schrader has been my agency for about 40 years, and have helped me out many, many times. They have successfully guided me and my business for all of my insurance needs.”
– Ted Geldhof
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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We offer a wide variety of insurance solutions.

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We’re Proud to Have Clients for Life

Check out our reviews and see why RSI comes highly recommended by our clients.

  Award-Winning Agency

Best Practices Agency—IIABA, 2016

Top 10 Automated Agencies—United States, 2002

Most Outstanding Agent—Stephen Shook, Michigan, 2006

Read More Reviews

Real clients. Real reviews. Real coverage.

“Happy I can walk in and talk to a real person rather than waiting through phone prompts. Russell & Schrader is small town customer service at it’s finest.”

– Grant Snyder
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Umbrella Insurance 101

Make sure you cover the unique risks you face with umbrella insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

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As an independent agency, we are here to help you find the right coverage.

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Charlotte, MI

219 E Lawrence Avenue
Charlotte, MI 48813

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