Troy insurance — independent coverage for one of Michigan's busiest suburbs

What we cover for Troy families

From the neighborhoods near Big Beaver and Long Lake to the homes by the Troy schools, 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 boats, motorcycles, and collector cars Troy households store and trailer to the lakes 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 Troy-area business owners

Troy is home to Somerset Collection, countless corporate headquarters, medical and professional offices, tech and finance firms, and the contractors who serve them. 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 Troy 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 Troy

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

• Troy (48083, 48084, 48085, 48098)
• Rochester Hills
• Birmingham
• Bloomfield
• Sterling Heights
• Clawson

Common questions from Troy clients

Are you a local Troy insurance agent?

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

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

Why use an independent agent in a city with so many insurance offices?

Because most of those offices are captive — they only sell one company's products (State Farm, Allstate, Farmers). We represent 20+ carriers, so instead of one quote you get the best of the whole market, and we re-shop your coverage every renewal. In a competitive market like Troy, that's how you actually keep your rate down year after year.

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.