Pontiac insurance — independent coverage for the heart of Oakland County

What we cover for Pontiac families

From the historic neighborhoods downtown to the homes near Sylvan Lake and the Clinton River, 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, 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 — the Clinton River, nearby Sylvan Lake, and the boats and motorcycles Pontiac-area riders enjoy.
• 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 Pontiac-area business owners

From small businesses and contractors to the firms revitalizing downtown and the M1 Concourse corridor, we write commercial insurance for Pontiac 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 Pontiac 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 Pontiac

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

• Pontiac (48340, 48341, 48342)
• Auburn Hills
• Waterford
• Bloomfield
• Sylvan Lake
• Keego Harbor

Common questions from Pontiac clients

Are you a local Pontiac insurance agent?

We're based in Lake Orion and have insured Pontiac-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 Pontiac residents?

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

Do you write renters and affordable auto coverage for Pontiac?

Yes. We write renters insurance (often $15–$20 a month) and shop Michigan No-Fault auto across many carriers to find Pontiac drivers the most competitive rate for the coverage they need. Because we're independent, we can compare standard and non-standard markets in one place — useful for finding affordable coverage that still protects you.

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.