Insurance for Oxford, Michigan — by the agency next door
Our office sits just south of Oxford Township's border — we're as local as you'll find. For over 40 years we've shopped 20+ carriers on behalf of Oxford families, Oxford Township lake owners, and the small businesses up and down M-24.
What we write for Oxford-area families
Whether you're in the Village of Oxford, on one of Oxford Township's 50+ lakes, out in Addison Township, or anywhere along the Polly Ann Trail, we write the full lineup of personal insurance:
- Auto insurance — Michigan No-Fault explained in plain language. Multi-vehicle households, teen drivers, the after-claim re-shop most agencies skip.
- Home insurance — homes throughout 48370 and 48371. We know the local replacement-cost expectations from older village homes to newer construction in the Lakes of Indianwood and surrounding subdivisions.
- Boat, jet ski, and pontoon — Oxford Township has more lakes than just about anywhere in Oakland County. Stony Lake, Lakeville Lake, Davis Lake, Crescent Lake, Tan Lake, and dozens of others (mostly former gravel pits). We have multiple recreational-watercraft specialists.
- Classic and collector car — we're a Hagerty agency.
- Motorcycle, RV, and ATV — Oxford-area toy coverage.
- Life insurance — term, whole, and universal life.
- Umbrella — extra liability over your auto and home. Especially important for lake-area households.
- Flood, condo, renters, mobile home, pet — all available.
For Oxford business owners
From downtown Oxford retail to contractors working throughout northern Oakland County, we write commercial coverage through 20+ markets:
- General liability and commercial property
- Workers compensation with audit and Mod support
- 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 Oxford residents choose an independent agent
Captive agents (State Farm, Allstate, Farmers) represent only one company. As an independent agency we represent 20+ carriers including Michigan-based Citizens, Frankenmuth, Wolverine Mutual, Michigan Millers, plus national A-rated Hartford, Liberty Mutual, Hanover, Hagerty, and Hiscox. We shop your coverage every renewal.
Areas we serve around Oxford
- Village of Oxford (48371)
- Oxford Township (48370)
- Addison Township
- Leonard
- Lake Orion (48360, 48362)
- Lakeville
- Metamora
- Brandon Township / Ortonville (48462)
Common questions from Oxford clients
How close are you to Oxford?
Very. Our office at 4301 S. Baldwin Rd is just south of the Oxford Township border. We can be in downtown Oxford in 10 minutes. Most of our work happens by phone, email, and online though.
Do you cover the gravel-pit lakes in Oxford Township?
Yes — many of those 50+ Oxford Township "lakes" are former gravel pits that filled in, and they're surrounded by homes today. We write home, boat, and personal watercraft coverage for all of them.
I have a home on the Polly Ann Trail — is that any different?
From an insurance standpoint, no. Properties adjacent to rail-trails are treated like any other home. We've insured many Polly Ann Trail homes and know the carriers that price them well.
Ready to compare Oxford insurance quotes?
Quick quote takes 2 minutes. We'll shop your coverage across our carriers and get back to you within one business day.
Start My QuotePrefer to talk? Call us at (248) 693-6455, Monday-Friday 9am-5pm.