Insurance for Oakland Township, Michigan

What we write for Oakland Township families

Oakland Township is different from your average suburb — large lots, acreage properties, equestrian estates, and lake homes are the norm rather than the exception. We have carriers who actually underwrite these types of properties well:

• Auto insurance — Michigan No-Fault, with PIP options that work for Oakland Township households. Multi-vehicle, teen drivers, premium and classic vehicles.
• Home insurance — homes throughout 48306 and 48363 (Goodison). We know the carriers who handle large-lot properties, lake homes, and homes with significant outbuildings.
• Acreage and equestrian properties — Coverage B (Other Structures) properly sized for barns, riding arenas, stables, and outbuildings. Liability coverage for horses if you board. Personal property coverage that includes tack and equipment.
• High-value homeowners coverage — Oakland Township has many homes valued $750K to $3M+. Standard policies usually underinsure these. We have carriers that specialize, with proper replacement cost and scheduled riders.
• Umbrella — extra liability over your auto and home, especially important for higher-net-worth Oakland Township households. We typically recommend $2M to $5M umbrellas.
• Classic and collector car — strong classic-car community out here. We're a Hagerty agency.
• Boat, jet ski, pontoon — Bald Mountain Recreation Area lakes, Cranberry Lake, and other Oakland Township waters.
• Life insurance — term, whole, and universal life including estate-planning amounts.
• Flood, condo, renters — and anything else you need.

For Oakland Township business owners

From small businesses near Goodison to contractors and professionals working throughout northern Oakland County, we write commercial coverage through 20+ markets:

• General liability, commercial property, BOP
• Workers compensation
• Commercial auto for service vehicles and fleets
• Contractor coverage — builders, HVAC, electrical, plumbing, landscaping
• Professional liability and errors & omissions
• Equestrian commercial coverage for boarding stables and trainers
• Agribusiness for the rural properties
• Cyber liability, surety bonds, and builders risk

Why Oakland Township residents choose an independent agent

The kinds of properties out here — acreage, lake homes, equestrian estates, high-value homes — don't fit cookie-cutter policies from captive agents. As an independent agency we represent 20+ carriers including specialty markets that actually know how to underwrite this kind of property. We shop every renewal and switch you to whichever carrier offers the best fit and value.

Areas we serve in and around Oakland Township

• Oakland Township (48306, 48363)
• Goodison
• Lake Orion (48360, 48362) — our home
• Rochester / Rochester Hills (48306, 48307, 48309)
• Addison Township
• Washington Township
• Romeo
• Oxford (48371)

Common questions from Oakland Township clients

How close are you to Oakland Township?

Right next door. Our office at 4301 S. Baldwin Rd is in Lake Orion, which shares its western border with Oakland Township. We can be at your property in under 15 minutes if needed.

I have horses on my property — does my homeowners policy cover them?

Not adequately, for most policies. Personal liability for horse-related incidents (especially if you board for others) usually needs a specialty endorsement or a farm policy. Tack, equipment, and the animals themselves often need scheduled coverage. We have multiple carriers that specialize in equestrian properties.

My property is on 10+ acres with a barn and pole building — is that covered?

It can be, but the limits need to be set correctly. Standard Coverage B (Other Structures) defaults to 10% of the dwelling limit, which on a $750K home is only $75K — usually nowhere near enough for a barn plus a pole building plus other structures. We size limits to what's actually on your property.

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