Independent insurance for Fenton families and businesses

What we write for Fenton residents

From homes near downtown Fenton to lakefront properties on Lake Fenton, Silver Lake, and Lake Ponemah, we write the full lineup of personal insurance through 15+ personal-lines carriers:

• Auto insurance — Michigan No-Fault explained in plain language, with the PIP options that actually make sense for Fenton drivers. We handle teen drivers, multi-vehicle households, and aftermarket-modified vehicles.
• Home insurance — homes throughout Fenton, Linden, and the surrounding townships. We know the local replacement costs and which carriers underwrite well in your specific zip code (48430, 48451, 48442).
• Lake-area boat, jet ski, and pontoon — Lake Fenton, Silver Lake, Lake Ponemah, Long Lake, Squaw Lake, Crane Lake, Lobdell Lake. Recreational watercraft is a big piece of Fenton coverage and we have specialists for it.
• Classic and collector car — Fenton has a strong classic-car community. We're a Hagerty agency.
• Motorcycle, RV, and ATV — northern Genesee County toy coverage.
• Life insurance — term, whole, and universal life policies.
• Umbrella — extra liability protection over your auto and home policies. Especially useful for higher-net-worth Fenton households and lakefront property owners.
• Flood, condo, renters, mobile home, pet — and anything else you need.

For Fenton-area business owners

Fenton's business community ranges from downtown retail and restaurants to contractors, professional offices, and growing service companies. We write across 20+ commercial 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, landscaping
• Professional liability and errors & omissions
• Cyber liability for businesses storing customer data
• Surety bonds and builders risk

Why work with us instead of a captive Fenton agent

Most insurance offices in Fenton (State Farm, Allstate, Farmers, etc.) sell policies from only one company. When that one company raises rates, your only option is to leave. With us, you have 20+ carriers competing for your business every renewal.

Our personal-lines lineup includes Citizens, Frankenmuth, Wolverine Mutual, Michigan Millers, Cincinnati, Progressive, Liberty Mutual, The Hartford, Hanover, Hagerty, Hiscox, and AAA of Michigan — plus over 40 specialty commercial markets. When one carrier raises rates, we shop the others and switch you to whichever offers the best value at that time. Most of our clients stay for decades because they don't have to call around themselves — we do it for them.

Areas we serve around Fenton

From our Lake Orion office we serve clients throughout the Fenton area, including:

• City of Fenton (48430)
• Fenton Township
• Linden (48451)
• Holly (48442)
• Tyrone Township
• Argentine Township
• Hartland
• Davisburg
• Grand Blanc area (48439)

And the broader Genesee and southern Livingston County metro. We're licensed throughout Michigan, so we also handle Fenton clients with secondary homes up north, vehicles registered in different counties, and businesses operating across multiple Michigan municipalities.

Common questions from Fenton clients

Do I have to come to your office in Lake Orion?

No. Almost everything is done by phone, email, and online. Most of our Fenton clients we never meet in person and they're happily insured with us for years. If you'd rather meet face-to-face, you're welcome at our Lake Orion office — but you don't have to.

Do you write boat insurance for Lake Fenton or Silver Lake?

Yes — and Lake Ponemah, Long Lake, Squaw Lake, Crane Lake, Lobdell Lake, and any other Genesee/Livingston County waters. We have multiple recreational-watercraft carriers and can quote everything from a fishing boat to a 30-foot pontoon to a wakeboard tower.

What does Michigan No-Fault auto insurance cost in Fenton?

Michigan auto premiums are among the highest in the country, but they vary widely by zip code, vehicle, driving record, and PIP medical limit. Fenton (48430) typically rates better than metro Detroit zip codes but slightly higher than rural Genesee. The 2020 PIP reform let drivers choose their medical limit ($50K to unlimited) — for clients with good health insurance, dropping to $250K or $500K often saves several hundred dollars a year.

I'm moving to Fenton — how do I switch?

Tell us your move date and we'll line up new auto and home coverage to take effect on closing day. We coordinate with your old carrier to cancel your existing policy so you don't pay double. The whole transition usually takes 30 minutes of your time, spread across one phone call and one email exchange.

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