Clarkston, Michigan insurance — done the local, independent way

What we cover for Clarkston families

Whether you live in The Village of Clarkston, anywhere in Independence Township, or out toward Springfield Township and Waterford, we write the full lineup of personal insurance through 15+ personal-lines carriers:

• Auto insurance — Michigan No-Fault done right, with PIP options explained in plain language. We handle multi-vehicle households, teen drivers, and the after-claim re-shop that most agencies skip.
• Home insurance — homes throughout Clarkston, including older homes in The Village, newer construction in Independence and Springfield Townships, and lakefront properties. We know the local replacement-cost expectations and which carriers underwrite well in your zip code.
• Boat, jet ski, and personal watercraft — Deer Lake, Cedar Island Lake, Maceday Lake, Big Lake, Lakeville Lake, and more. We write through Foremost, Hagerty, Progressive, and other recreational specialists.
• Classic and collector car — Clarkston has a huge classic-car community. We're a Hagerty agency and we know the difference between agreed value and stated value.
• Motorcycle, RV, and ATV — northern Oakland County toy coverage at competitive rates.
• Life insurance — term, whole, and universal life policies in amounts from $100K to $5M+.
• Umbrella — extra liability protection for higher-net-worth Clarkston households. We typically recommend it for families with more than $500K in net worth.
• Flood, condo, renters, mobile home, pet — and anything else you need.

For Clarkston-area business owners

From small business owners on Main Street to contractors working throughout Oakland County, 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, professional offices
• Contractor coverage — builders, HVAC, electrical, plumbing
• Professional liability and errors & omissions
• Cyber liability for businesses storing customer data
• Surety bonds and builders risk

Why Clarkston 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 49 other markets to compare against. Most of our clients stay with us for decades because they don't have to call around themselves — we do it for them.

Areas we serve around Clarkston

From our office in Lake Orion we serve clients throughout the Clarkston region, including:

• The Village of Clarkston (48346)
• Independence Township
• Springfield Township
• Waterford (48327, 48328, 48329)
• Davisburg
• White Lake (48383, 48386)
• Holly
• Ortonville

And the broader Oakland County metro — we're licensed throughout the state of Michigan, so we also handle clients with secondary homes up north, vehicles registered in different counties, and businesses operating across multiple Michigan municipalities.

Common questions from Clarkston clients

Are you really a local agent?

Yes. Our office is at 4301 S. Baldwin Rd in Lake Orion, about ten minutes from downtown Clarkston. We've been family-owned since 1981, and most of our team lives in northern Oakland County. When you call (248) 693-6455 you get a real person who knows the area.

Do you write boat insurance for the Clarkston-area lakes?

Yes — Deer Lake, Cedar Island Lake, Maceday Lake, Big Lake, Lakeville Lake, and others. We have multiple recreational-watercraft carriers and can quote everything from a Sea-Doo to a 30-foot pontoon to a center-console fishing boat.

Can you bundle home and auto for a discount?

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

What if I'm just moving to Clarkston?

Great timing — let us know your move date and we'll line up your new auto and home coverage to take effect on the day you close on the house or arrive in town. We coordinate with your old carrier to cancel your existing policy so you don't pay double.

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