Bloomfield insurance — high-value homes, valuables, and the coverage they deserve

What we cover for Bloomfield families

From the estates near Cranbrook to the lake homes off Lone Pine and Long Lake, we write personal coverage built for higher-value households:

• Auto insurance — Michigan No-Fault done right, with PIP options explained in plain language, multi-vehicle households, teen drivers, and the after-claim re-shop most agencies skip.
• Home insurance — we know local replacement-cost expectations and which carriers underwrite well in your ZIP code.
• Boat, watercraft & recreational — Wing Lake, Forest Lake, Island Lake, Gilbert Lake, and Lower Long Lake — with agreed-value coverage on boats and collector cars.
• Life insurance — term, whole, and universal policies from $100K to $5M+.
• Umbrella, condo, renters, flood, and pet — and anything else you need, shopped across our markets.

For Bloomfield-area business owners

For Bloomfield's professional practices, family offices, and business owners, we write commercial insurance through 20+ markets:

• General liability and commercial property
• Workers compensation — including audit support and Mod management
• Commercial auto for service vehicles and fleets
• Business owners policies (BOP) for restaurants, retail, and professional offices
• Contractor coverage, professional liability, and cyber
• See all 45+ commercial coverages →

Why Bloomfield residents choose an independent agent

Most local insurance offices represent only one carrier — State Farm, Allstate, Farmers. As an independent agency, we represent 20+ carriers including Michigan-based companies like Citizens, Frankenmuth, Wolverine Mutual, and Michigan Millers, plus national A-rated names like The Hartford, Liberty Mutual, Hanover, Hagerty, and Hiscox.

What that means for you: we shop your coverage every renewal. When a carrier raises rates or tightens underwriting, we have other markets to compare against — so most of our clients stay for decades because they don't have to call around themselves.

Areas we serve around Bloomfield

From our office in Lake Orion we serve clients throughout Bloomfield and the surrounding Oakland County communities, including:

• Bloomfield Hills & Township (48301, 48302, 48304)
• Birmingham
• West Bloomfield
• Troy
• Auburn Hills
• Pontiac

Common questions from Bloomfield clients

Are you a local Bloomfield insurance agent?

We're based in Lake Orion and have insured Bloomfield-area families and businesses since 1981. We handle policies throughout Oakland County and the surrounding communities — most of it by phone, email, and online, so you never have to come into an office.

What insurance do you write for Bloomfield residents?

Personal lines: auto, home, condo, renters, life, umbrella, boat, motorcycle, RV, ATV, classic and collector car, flood, and pet. Commercial lines for Bloomfield-area business owners: general liability, commercial property, commercial auto, workers compensation, BOP, professional liability, cyber, contractor coverage, and more.

Do you handle high-value and high-net-worth coverage in Bloomfield?

Yes — it's a core part of what we do here. For homes valued at $750K and up, significant jewelry, art, or wine collections, and families with substantial assets, we place coverage through high-net-worth carriers (Chubb, PURE, Cincinnati Private Client) that offer guaranteed replacement cost, agreed value on valuables, very high liability and umbrella limits, and concierge claims. See our commercial and high-net-worth coverage, or just call and we'll review what you have.

Can you bundle home and auto for a discount?

Almost always, yes. Multi-policy discounts typically range from 10% to 25% depending on the carrier. We compare bundled pricing across all 35+ of our markets and show you what each option looks like before you decide.

Prefer to talk? Call us at (248) 693-6455, Monday-Friday 9am-5pm.