★★★★★
"I received great service from Todd! Not only did he help me save money on my home and car insurance policies, but he took the time to help me understand my coverage and advise me."A. Customer
Verified Google review
Family-owned in Lake Orion · Independent · Since 1981
Independent insurance for Michigan.
From our family-owned Lake Orion office, we shop 20+ carriers to find the best auto, home, life, and business coverage for Michigan families and business owners — saving you time, aggravation, and money.
★★★★★ 4.9 from 808 Google reviews · Licensed statewide in Michigan
4.9 / 5.0808 reviews
20+ carriersshopped for you
A few of the 20+ carriers we shop for you
20+ Carriers, One Agency
Because we’re 100% independent, we shop your coverage across 20+ carriers — finding the best price for the protection you actually need.
Michigan’s Specialists
Born and based in Lake Orion. We understand Michigan’s unique insurance landscape — from No-Fault auto reform to lake-home flood exposures to seasonal contractor coverage.
We Re-Shop at Renewal
Premiums went up? Call us. We’ll re-quote with our other carriers so you never have to call around yourself. Most clients stay because they don’t have to.
What we cover
Insurance for every part of your life and business
Whether you’re protecting your family, your home, or the business you’ve built, our team helps you find coverage that actually fits.
Personal Insurance
For individuals & families across Michigan — bundle and save.
+ Collector Car · Flood · Pet
Explore Personal Insurance →
Commercial Insurance
Protecting Michigan businesses — solo contractors to established companies.
General Liability
Commercial Property
Commercial Auto
Workers Comp
Restaurant
Contractors
Professional Liab.
Cannabis
+ Surety Bonds · Builders Risk
Explore Commercial Insurance →
Family-owned · Independent · Since 1981
Michigan families deserve an agent who actually picks up the phone.
We're not a call center. We're a Lake Orion agency with 45 years in Michigan — same agents, same faces, real advice when you need it most.
Meet the team →20+ carriers, one callWe shop the market so you don't have to — and we explain every option in plain English.
Michigan-only expertiseNo-Fault, PIP elections, flood zones — we know this state and what your coverage actually needs to cover.
Best of the Best, 8 years runningLake Orion Review Readers' Choice 1st Place Insurance Agency, 2018–2025.
How it works
Three steps to better coverage
Our process is simple. Start online or pick up the phone — we handle the rest.
Tell us about you
Fill out the quote form online or call (248) 693-6455 — takes 2 minutes for a quick quote.
We shop your coverage
Our team compares quotes across 20+ A-rated carriers to find your best combination of price and protection.
You choose & we handle it
Pick the package you like best. We bind coverage, set up billing, and stay with you through renewals.
Award-winning
Best of the Best — 8 years running
Recognized as the Lake Orion Review’s Readers’ Choice 1st Place Insurance Agency every year from 2018 through 2025. The community knows where to turn for honest, independent advice.
What clients say
Real reviews from real Michigan clients
★★★★★ 4.9 average from 808 verified Google reviews
★★★★★
"I have been a customer for 10 years and have always been satisfied. They are very reachable, knowledgeable, and respond in amazing time. An entire team of professional and friendly employees."Long-time client
Verified Google review
★★★★★
"I always get top notch care with J. Jacobs — that’s why I’ve been with them over 25 years. They always make sure I get the best rates."25-year client
Verified Google review
Common questions
Frequently asked questions
Why use an independent insurance agency instead of going direct?
Direct carriers (GEICO, Progressive direct, etc.) and captive agents (State Farm, Allstate, Farmers) only sell one company's products. An independent agent like us represents 20+ companies, so we can shop your coverage every renewal and switch you when another carrier offers better value — without you having to call around or start over.
Do you serve clients outside of Lake Orion?
Yes. While our office is in Lake Orion, we’re licensed throughout the entire state of Michigan. We have clients in Oakland County, Macomb County, Wayne County, and across the state. Most of our work is done by phone, email, and online — you don’t need to come into the office.
How quickly can I get a quote?
A quick quote takes about 2 minutes online. For a full comparison across multiple carriers, expect to spend about 15 minutes providing details. We typically have quotes back to you within one business day — often same-day for personal lines.
What carriers do you work with?
Our personal lines carriers include Citizens, Cincinnati Insurance, Progressive, Frankenmuth, Foremost, Liberty Mutual, Wolverine Mutual, Michigan Millers, Hagerty, American Modern, AAA of Michigan, The Hartford, Hastings Mutual, Hanover, and Hiscox — plus 20+ commercial markets. See our full carrier list →
Ready for a better insurance experience?
Get a free, no-obligation quote in minutes. We’ll shop your coverage across 20+ carriers and show you what we find.
Start My Quote or Call (248) 693-6455