Rochester Hills insurance — local, independent, and shopped across 20+ carriers

What we cover for Rochester Hills families

Whether you're near Oakland University, along the Clinton River, or out toward Stony Creek Metropark, 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 — Stony Creek Lake, the Clinton River, Clear Spring Lake, and Emerald Lake — plus the boats, jet skis, and ATVs Rochester Hills families trailer up north.
• 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 Rochester Hills-area business owners

Rochester Hills has a deep base of professional offices, medical and dental practices, and contractors. 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, and professional offices
• Contractor coverage, professional liability, and cyber
• See all 45+ commercial coverages →

Why Rochester Hills 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 Rochester Hills

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

• Rochester Hills (48306, 48307, 48309)
• Rochester
• Oakland Township
• Auburn Hills
• Troy
• Shelby Township

Common questions from Rochester Hills clients

Are you a local Rochester Hills insurance agent?

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

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

Do you serve all of Rochester Hills and the surrounding area?

Yes — from our Lake Orion office we cover all of Rochester Hills (48306, 48307, 48309) plus Rochester, Oakland Township, Auburn Hills, Troy, and Shelby Township just across the Macomb County line. Most of our work is done by phone, email, and online, so you never have to come in.

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.