Insurance for Rochester, Michigan families and businesses

What we write for Rochester-area families

• Auto insurance — Michigan No-Fault explained, with PIP options that make sense for Rochester drivers. Multi-vehicle households, teen drivers, premium vehicles (Rochester garages have plenty).
• Home insurance — homes throughout 48306, 48307, 48308, and 48309 from downtown Rochester historic homes to upscale subdivisions in Rochester Hills. We know the carriers that price these zip codes well.
• High-value homeowners coverage — Rochester Hills has many homes valued $500K to $1.5M+. Standard policies often dramatically underinsure these. We have carriers specializing in high-value homes with proper replacement-cost coverage and riders for jewelry, fine art, and collectibles.
• Umbrella — extra liability over your auto and home, important for Rochester professionals and higher-net-worth households. We typically recommend $1M to $5M umbrellas based on assets.
• Classic and collector car — Rochester has a strong classic-car community (Concours and Cruise In Rochester). We're a Hagerty agency.
• Life insurance — term, whole, and universal life.
• Boat, jet ski, motorcycle, RV — recreational coverage including Stony Creek Metropark waters.
• Flood, condo, renters — and anything else you need.

For Rochester business owners

Downtown Rochester is one of metro Detroit's premier walkable retail districts, and Rochester Hills has a deep professional services community. We write through 20+ commercial markets:

• General liability and commercial property
• Workers compensation with audit and Mod support
• Professional liability and errors & omissions — for legal, medical, financial, and consulting practices
• Cyber liability for businesses storing customer data
• Commercial auto for service vehicles and fleets
• Business owners policies (BOP) for restaurants, retail, professional offices
• Contractor coverage — builders, HVAC, electrical, plumbing, landscaping
• Commercial umbrella over your GL and auto
• Surety bonds and builders risk

Why Rochester 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 names like The Hartford, Liberty Mutual, Hanover, Hagerty, Cincinnati, and Hiscox. We shop your coverage every renewal and switch you to whichever carrier offers the best value at the time — without you starting over.

Areas we serve around Rochester

• City of Rochester (48306, 48307, 48308)
• Rochester Hills (48306, 48307, 48309)
• Oakland Township (48306, 48363)
• Lake Orion (48360, 48362)
• Auburn Hills (48326)
• Troy (48083, 48084, 48085, 48098)
• Shelby Township
• Washington Township

Common questions from Rochester clients

Are you actually local?

Our office at 4301 S. Baldwin Rd in Lake Orion is about 10 minutes north of downtown Rochester. Most of our work happens by phone, email, and online though — most Rochester clients we've never met in person and they're insured with us for decades.

I have a home in Rochester Hills valued at $900K — do you handle high-value homes?

Yes. We have carriers that specialize in high-value homeowners including Cincinnati, The Hartford, and others. We size replacement-cost coverage to actual Michigan construction costs (which are higher than most stock policies assume), and we set up scheduled riders for jewelry, art, and high-end electronics.

I'm a Rochester-area attorney/physician — do you handle professional liability?

Yes. Tell us your specialty and firm size and we'll quote it. We typically pair professional liability with a commercial umbrella for higher-asset professionals.

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