After a storm, the agent who picks up the phone and knows your policy is worth more than the cheapest premium. We pulled every insurance agency Google lists in Clarkston, MI, checked which ones actually have an address in town, read their reviews, and went through their websites to build this list.
How we chose this list: Insurance agencies are sorted by Google rating weighted by review count. Companies based in Clarkston come first. This list is updated for 2026.
Quick Comparison
| # | Company | Rating | Reviews | Phone |
|---|---|---|---|---|
| 1 | The Ryan Insurance Agency | ★★★★★5.0 | 188 | (248) 403-8591 |
| 2 | Farmers Insurance - Kurt Urch | ★★★★★4.9 | 148 | (248) 297-6020 |
| 3 | Rossell Agency | ★★★★★4.7 | 46 | (248) 605-0060 |
| 4 | McNeil Agency Inc | ★★★★★4.7 | 23 | (586) 731-1180 |
| 5 | Oakland Insurance | ★★★★★4.6 | 63 | (248) 647-2500 |
| 6 | Dave Smith - State Farm Insurance Agent | ★★★★★4.3 | 38 | (248) 625-2414 |
The Ryan Insurance Agency
Address: 7151 N Main St Ste. 103, Village of Clarkston, MI 48346
Phone: (248) 403-8591
Website: myryanagency.com
Located in the Village of Clarkston, The Ryan Insurance Agency quotes home, auto, condo, renters, landlord, flood, life and umbrella coverage. Commercial policies are available for business owners as well. Reviewers describe the staff as responsive and knowledgeable, and several say the process felt simple and stress free, including for first-time policyholders. Some customers mention combining their personal home and auto policies with their business coverage in one place. Online, the agency runs a client center where you can view policies, print ID cards, add a driver and make a payment. A carrier contact page and a referral program are also listed on the website.</br>
What stands out:
- Independent agency claiming 13 years in business
- Boat, motorcycle and motor home policies offered
- Website cites Clarkston News and Oakland Press reader awards
- Reviewers mention quick commercial auto and liability quotes
Farmers Insurance - Kurt Urch
Address: 1 E Washington St, Village of Clarkston, MI 48346
Phone: (248) 297-6020
Website: agents.farmers.com
Kurt Urch is a Farmers Insurance agent with an office in the Village of Clarkston. As a captive agent, he quotes Farmers policies, including auto, home, renters, condo, life, business and financial services. His website says he researches each client's situation to make sure they are covered appropriately. Reviewers mention detailed explanations that use real life scenarios, which helped couples understand their options. Others describe savings after switching, added home coverage for less money, and help with truck insurance. Customers also say the office answered every question and made sure they understood their new policies before signing. Financing is mentioned on the website.
What stands out:
- Office at 1 E Washington St, Clarkston
- Online quotes, texting and appointment booking available
- Reviewers mention bundling home and auto coverage
- Business coverage, including for small service companies
Rossell Agency
Address: 5850 Dixie Hwy Ste C, Village of Clarkston, MI 48346
Phone: (248) 605-0060
Website: rossellagency.com
In business since: 2005
This independent agency in the Village of Clarkston writes personal, business and employee benefits coverage. Its website lets clients report a claim, pay a bill, get an auto ID card, request a certificate of insurance and ask for a policy review or change. Reviewers mention agents who explain each policy clearly and do not push them into anything. One long-time customer describes moving from renters coverage to car and homeowners insurance with the same office over five years. Others say the agency was able to beat quotes from other insurers. Front desk staff are also described as pleasant and quick to direct callers to the right agent.
What stands out:
- Independent agency founded in 2005
- Website lists access to 30+ insurance carriers
- Licensed in 10 states, three licensed agents on staff
- Reviewer credits agent with resolving a roof claim
McNeil Agency Inc
Address: 5730 Bella Rosa Blvd Ste 300, Village of Clarkston, MI 48348
Phone: (586) 731-1180
Website: ghmins.com
McNeil Agency Inc is in Clarkston and writes auto, home, condo and umbrella insurance, along with several specialty lines. Reviewers describe real savings after a coverage review, with one customer reporting a large drop in auto premiums at renewal. Another says the review showed their home was underinsured, and the agent fixed it. Customers mention quick responses and better coverage on both home and vehicles for a lower price than their previous company. Families also describe getting help finding the right policy for their household. Quote requests for auto, home and combined auto and home policies can be started online through the agency's website.
What stands out:
- Classic car and recreational vehicle coverage offered
- Boat, watercraft and motorcycle policies listed
- Reviewers mention resolving billing issues quickly
- Commercial insurance available for business owners
Oakland Insurance
Address: 8055 Ortonville Rd, Village of Clarkston, MI 48348
Phone: (248) 647-2500
Website: oaklandinsurance.com
Oakland Insurance is an independent agency with an office in the Village of Clarkston. It handles home and auto policies along with a wide range of business coverage, including commercial property, commercial auto, business owners policies, general liability and commercial umbrella. Reviewers mention clear explanations of what bundling home and auto involves and prompt answers to their questions. Several say they have been customers for many years and describe the service as reliable and easy. One business owner mentions saving money after adding more coverage to an existing account. Others point to agents who explain potential liabilities in plain terms. Certificates of insurance can be requested through the website.
What stands out:
- Independent agency claiming 30 years in business
- Offices in Clarkston and East Lansing
- Workers comp, liquor liability and professional liability
- Reviewers mention flood and watercraft policies
Dave Smith - State Farm Insurance Agent
Address: 7217 Sashabaw Rd, Village of Clarkston, MI 48348
Phone: (248) 625-2414
Website: calldavesmith.com
In business since: 1997
Dave Smith runs a State Farm office in Clarkston. As a captive agent, he quotes State Farm policies for car, home, life, motorcycle, boat and small business coverage. His website lists customers from Clarkston, Waterford, Lake Orion, Ortonville, Holly and other parts of Oakland and Genesee counties. Positive reviewers mention a staff member who explained an auto rate increase piece by piece in plain language. Other customers say they have kept their home, cars and life insurance with the office for more than 15 years. Free quotes are available by phone at (248) 625-2414, and the website notes financing options for some products.
What stands out:
- State Farm agent since 1997
- Across from Pine Knob near I-75 exit 89
- Jewelry, surety and notary coverage offered
- Contractor and landlord rental property insurance
How We Built This List
- Google reviews and ratings pulled via the Google Places API on 2026-10-27, sorted by rating weighted by review count.
- Location. Companies with an address in Clarkston, MI rank ahead of companies based nearby.
- Michigan producer license, verified on the DIFS lookup.
- Google rating weighted by review count.
- Carriers represented: captive or independent.
- Claims support described on their site.
- Website review for services offered, years in business and any licenses or credentials the company publishes.
Licensing in Michigan: Michigan insurance agents are licensed by the Department of Insurance and Financial Services (DIFS). Captive agents sell one carrier; independent agents quote several. Check the license on the DIFS lookup.
Disclosure: Roofing Army is a roofing company. We do not do this kind of work, we have no business relationship with the companies above, and nobody paid to be listed. We built this list because our customers in Clarkston ask us who to call. Verify licenses and get more than one quote.
Need a Roofer in Clarkston, MI?
We meet adjusters on site for storm claims and document what is actually damaged. A good agent makes that process faster. Roofing Army inspects roofs in Clarkston for free, quotes five options at different price points, and takes no deposit until the job is done.
Comparing roofers? See the best roofing companies in Clarkston. Budgeting? See what a roof replacement costs in Clarkston, with real prices from our published jobs.
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Frequently Asked Questions
Is there an insurance agency based in Clarkston?
Yes. All six agencies on this list are based in the Village of Clarkston: The Ryan Insurance Agency, Farmers Insurance - Kurt Urch, Rossell Agency, McNeil Agency Inc, Oakland Insurance and Dave Smith - State Farm Insurance Agent. That gives you a mix of independent agencies and single carrier offices, so you can compare quotes without leaving town.
Does homeowners insurance cover roof replacement in Michigan?
It depends on your policy and the cause of the damage. Policies are generally written to cover sudden damage, such as storms, rather than normal wear and age. Ask your agent how your policy handles roofs before you need it. When storm claims happen, we meet adjusters on site and document what is actually damaged. A good agent makes that process faster.
Captive or independent agent: which is better?
Neither is better for everyone. Captive agents sell one carrier, like the Farmers and State Farm offices on this list. Independent agents quote several, like The Ryan Insurance Agency, Rossell Agency and Oakland Insurance. Michigan insurance agents are licensed by the Department of Insurance and Financial Services (DIFS). Whichever you choose, check the license on the DIFS lookup.
Does Roofing Army help with insurance claims?
No. Roofing Army does roofing only. We do not sell insurance or act as your agent on a claim. For storm damage, we meet adjusters on site and document what is actually damaged on your roof, which helps the claim move along. For coverage questions, talk to one of the agents listed above. Roofing Army also inspects roofs for free in Clarkston.




