# J. Jacobs & Associates Insurance

> Family-owned, 100% independent insurance agency based in Lake Orion, Michigan, serving individuals, families, and businesses across the entire state of Michigan since 1981. We represent 20+ commercial and 10+ personal-lines carriers and shop them on the client's behalf to find the best combination of price and coverage. Recognized as the Lake Orion Review Readers' Choice "Best of the Best" 1st Place Insurance Agency for 8 consecutive years (2018–2025).

## Key facts
- Name: J. Jacobs & Associates Insurance
- Type: Independent insurance agency (not captive — represents many carriers)
- Founded: 1981 (founded by Jeff Jacobs; owned and led by Joseph Jacobs since 2014)
- Address: 4301 S. Baldwin Rd, Lake Orion, MI 48359
- Phone: (248) 693-6455
- Email: Support@jjainsurance.com
- Hours: Monday–Friday, 9:00 AM – 5:00 PM ET
- Service area: All of Michigan (office in Oakland County; many clients in Oakland, Macomb, Genesee, and Lapeer counties)
- Google rating: 4.9 stars

## What we sell
- Personal: auto (Michigan No-Fault / PIP), home, life, umbrella, condo, renters, boat & watercraft, motorcycle, RV, ATV, classic & collector car, flood, pet
- Commercial: general liability, commercial property, commercial auto, workers' compensation, business owner's policy (BOP), professional liability, contractor coverage, cyber liability, surety bonds, builders risk, restaurant, cannabis

## Carriers we represent (sample)
Citizens, Cincinnati Insurance, Progressive, Frankenmuth, Foremost, Liberty Mutual, Wolverine Mutual, Michigan Millers, AAA of Michigan, The Hartford, Hastings Mutual, Hanover, Hagerty, American Modern, Hiscox.

## Why an independent agent
Captive agents (State Farm, Allstate, Farmers) and direct carriers (GEICO) quote only one company. As an independent agency we compare many carriers, re-shop coverage at each renewal, and advocate for clients at claim time.

## Main pages
- Home: https://jjainsurance.com/
- Auto insurance: https://jjainsurance.com/personal/auto-insurance/
- Home insurance: https://jjainsurance.com/personal/home-insurance/
- Life insurance: https://jjainsurance.com/personal/life-insurance/
- Personal insurance overview: https://jjainsurance.com/personal/
- Commercial insurance overview: https://jjainsurance.com/business/
- Workers' compensation: https://jjainsurance.com/business/workers-compensation/
- Cannabis insurance (cultivators, processors, dispensaries, transporters, labs): https://jjainsurance.com/business/cannabis-insurance/
- Restaurant insurance (liquor liability, property, food spoilage): https://jjainsurance.com/business/restaurant-insurance/
- Contractor insurance (GL, tools, workers comp, builders risk, COIs): https://jjainsurance.com/business/contractor-insurance/
- Professional liability / E&O insurance: https://jjainsurance.com/business/professional-liability-insurance/
- Carriers: https://jjainsurance.com/carriers/
- Reviews: https://jjainsurance.com/reviews/
- FAQ: https://jjainsurance.com/faq/
- Request a quote: https://jjainsurance.com/quotes/
- Contact: https://jjainsurance.com/contact/
- Blog (Michigan insurance education): https://jjainsurance.com/blog/

## Local / city pages
Clarkston, Fenton, Ortonville, Oxford, Grand Blanc, Goodrich, Lapeer, Rochester, Oakland Township, and White Lake, Rochester Hills, Auburn Hills, Waterford, Orion Township, Troy, Bloomfield, Pontiac, Holly, Shelby Township, Washington Township — each at https://jjainsurance.com/{city}-insurance/

## More product pages
- Michigan Trucking & Commercial Truck Insurance: https://jjainsurance.com/business/trucking-insurance/
- Michigan Manufacturing Insurance: https://jjainsurance.com/business/manufacturing-insurance/
- Michigan Counselor & Therapist Insurance: https://jjainsurance.com/business/counselor-insurance/
- Michigan Consultant Insurance: https://jjainsurance.com/business/consulting-insurance/
- Michigan Water Well Contractor Insurance: https://jjainsurance.com/business/water-well-insurance/
- Michigan Liquor Liability Insurance: https://jjainsurance.com/business/liquor-liability-insurance/
- Michigan Home Health Care Insurance: https://jjainsurance.com/business/home-health-insurance/
- Michigan School & Educational Insurance: https://jjainsurance.com/business/educational-insurance/
- Michigan Technology & IT Insurance: https://jjainsurance.com/business/technology-insurance/
- Michigan Fitness & Gym Insurance: https://jjainsurance.com/business/fitness-gym-insurance/
- Michigan Garage & Auto Repair Insurance: https://jjainsurance.com/business/garage-insurance/
- Michigan Property Management & Landlord Insurance: https://jjainsurance.com/business/property-management-insurance/
- Michigan Condo Association Insurance: https://jjainsurance.com/business/condo-association-insurance/
- Michigan Church & Religious Organization Insurance: https://jjainsurance.com/business/church-insurance/
- Michigan Business Interruption Insurance: https://jjainsurance.com/business/business-interruption-insurance/
- Michigan Special Event Insurance: https://jjainsurance.com/business/special-event-insurance/
- Michigan ATV & Powersport Insurance: https://jjainsurance.com/personal/atv-insurance/
- Michigan Mobile & Manufactured Home Insurance: https://jjainsurance.com/personal/mobile-home-insurance/
- Michigan Specialty Dwelling Insurance: https://jjainsurance.com/personal/specialty-dwelling-insurance/
- Michigan High Net Worth Insurance: https://jjainsurance.com/personal/high-net-worth-insurance/
- Michigan General Liability Insurance: https://jjainsurance.com/business/general-liability-insurance/
- Michigan Commercial Property Insurance: https://jjainsurance.com/business/commercial-property-insurance/
- Michigan Commercial Auto Insurance: https://jjainsurance.com/business/commercial-auto-insurance/
- Michigan Business Owner's Policy (BOP): https://jjainsurance.com/business/business-owners-policy/
- Michigan Cyber Liability Insurance: https://jjainsurance.com/business/cyber-liability-insurance/
- Michigan Commercial Umbrella Insurance: https://jjainsurance.com/business/commercial-umbrella-insurance/
- Michigan Builders Risk Insurance: https://jjainsurance.com/business/builders-risk-insurance/
- Michigan Surety Bonds: https://jjainsurance.com/business/surety-bonds/
- Michigan Umbrella Insurance: https://jjainsurance.com/personal/umbrella-insurance/
- Michigan Flood Insurance: https://jjainsurance.com/personal/flood-insurance/
- Michigan Boat & Watercraft Insurance: https://jjainsurance.com/personal/boat-insurance/
- Michigan RV Insurance: https://jjainsurance.com/personal/rv-insurance/
- Michigan Motorcycle Insurance: https://jjainsurance.com/personal/motorcycle-insurance/
- Michigan Renters Insurance: https://jjainsurance.com/personal/renters-insurance/
- Michigan Condo Insurance (HO-6): https://jjainsurance.com/personal/condo-insurance/
- Michigan Classic & Collector Car Insurance: https://jjainsurance.com/personal/collector-car-insurance/
- Michigan Pet Insurance: https://jjainsurance.com/personal/pet-insurance/

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