Family-owned, independent, and built around Michigan since 1981

J. Jacobs & Associates is an independent insurance agency in Lake Orion, Michigan, serving families and business owners across the state for more than four decades.

Our story

Jeff Jacobs founded the agency in 1981, building it into one of the top five agents in Michigan through the company he represented. In 2005, he left captive agency life to become an independent agent — giving his clients access to multiple insurance carriers and a better experience. In 2014, Jeff retired and his son Joseph Jacobs took over.

Joseph has been in the insurance business since 2000. He holds a degree in Finance (with a minor in Computer Science) from the University of Michigan, and is licensed in Property, Casualty, Commercial, Annuities, and Life Insurance. Today, he leads a team of more than a dozen licensed agents and account managers, with combined experience spanning hundreds of years across every line of insurance.

Why independent matters

Captive agents (think State Farm, Allstate, Farmers) and direct carriers (GEICO, Progressive direct) only sell one company's products. We sell more than 50 commercial lines carriers and 10+ personal lines carriers — so we shop your coverage every renewal and switch you when another carrier offers better value. You never have to call around or start over.

• Access to 20+ carriers — including Michigan-based insurers like Citizens, Frankenmuth, Wolverine Mutual, Michigan Millers, and AAA of Michigan, plus national A-rated carriers.
• We re-shop at renewal — if your premium goes up, we re-quote across our markets so you don't have to call around.
• One stop, every line — bundle your business, auto, home, and life coverage in one place for the best pricing.
• Local, family-owned — a real Michigan agency answering a real Michigan phone.

What sets us apart

What separates one agent from another isn't the company logo on the door — it's their knowledge of insurance products and their ability to proactively service their clients. Our team includes designations like CPIA (Certified Professional Insurance Agent) and ARM (Associate in Risk Management), and most of our staff have been with us for years. We focus on educating you so you can make confident decisions — not just selling a policy.