Insurance Agent Cheryl Gunningham - Kowalczyk

Cheryl Gunningham - Kowalczyk

Cheryl Kowalczyk Ins Agcy Inc

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Office Details:

Street Address:

31613 Gratiot Ave
Suite A
Roseville, MI 48066-3931


On Gratiot Ave. South of Masonic Blvd, Across from Sam's Club. Next door to Panda Express

Office Hours (EST):

Mon. - Fri. 9:00am - 5:00pm
After Hours By Appointment






Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Roseville, MI that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Cheryl Gunningham - Kowalczyk in Roseville, MI will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Roseville, MI. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Cheryl Gunningham - Kowalczyk in Roseville, MI will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Roseville, MI. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Cheryl Gunningham - Kowalczyk in Roseville, MI about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Roseville, MI. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Cheryl Gunningham - Kowalczyk in Roseville, MI to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Cheryl Gunningham - Kowalczyk in Roseville, MI will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Roseville, MI. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Cheryl Gunningham - Kowalczyk in Roseville, MI to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


Let State Farm® support your financial future with an investment through annuities in Roseville, MI. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Cheryl Gunningham - Kowalczyk to get more information about annuities in Roseville, MI that support your financial goals.

Call or email an agent for investment information.

About Me:

  • Serving Metro Detroit Area since 1985
  • Second Generation State Farm Insurance Agent
  • Oakland University Alumni, Oakland County MI
  • City of Roseville 2015 Pioneer Award Recipeint
  • Chair for ACS Relay for Life of Roseville - Eastpointe
  • Very Proud Mother and Grandmother
  • American Cancer Society Action Network Member
  • Eastpointe / Roseville Chamber of Commerce Member
  • Auto and Home Insurance Quotes
  • Personalized Renters Insurance Quotes
  • Boat Insurance Quotes
  • Help with out of state transfers to Michigan
  • Personalized Life Insurance Plans
  • Come In, Call In or Click in
  • Serving Wayne Oakland and Macomb Counties
  • Lifetime Resident of the Metro Detroit Area

Our Mission:

The Cheryl Gunningham Kowalczyk - State Farm office is committed to providing you with personalized assistance for your insurance needs. Call, click , or walk into our office. We offer free ample parking in the rear of our building. We proudly serve Wayne, Oakland and Macomb Counties.
Our Mission Photo

Our Team:

Team Member Profile Photo Annette Garofalo
Annette Garofalo
Office Manager
I have been assisting The State Farm customers of The Cheryl Gunningham - Kowalczyk office in Roseville, MI since 1985. I graduated with honors from Wayne State University in Detroit, MI with a math major. My family and I live in nearby Warren, MI . I look forward to helping customers in the Metro Detroit area with their auto, home, life and boat insurance needs.
Team Member Profile Photo Tullio Marrocco
Tullio Marrocco
Multiple Line Representative
I have enjoyed working at the State Farm Insurance Cheryl Gunningham Kowalczyk Agency since 2003. I am also a life long State Farm policyholder. I have helped many customers and met some really wonderful people. I look forward to my future here helping customers prepare for the unexpected by taking care of their auto, home, health and life insurance needs. I am a life long resident of Clinton Township.

Agent's Credentials and Licenses:



Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.