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 Lake Orion, 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 Lake Orion come first. This list is updated for 2026.
Quick Comparison
| # | Company | Rating | Reviews | Phone |
|---|---|---|---|---|
| 1 | Jake Asbury - State Farm Insurance Agent | ★★★★★5.0 | 350 | (248) 636-1644 |
| 2 | FAMILY SHIELD INSURANCE GROUP | ★★★★★5.0 | 65 | (248) 436-2888 |
| 3 | J Jacobs and Associates | ★★★★★4.9 | 874 | (248) 693-6455 |
| 4 | Scott Ockerman - State Farm Insurance Agent | ★★★★★4.9 | 187 | (248) 391-9300 |
| 5 | Community Insurance Center | ★★★★★4.8 | 132 | (248) 628-2505 |
| 6 | Liberty Way Realty | ★★★★★4.8 | 122 | (248) 845-2669 |
| 7 | Jamie Felix - State Farm Insurance Agent | ★★★★★4.8 | 70 | (248) 693-8100 |
Jake Asbury - State Farm Insurance Agent
Address: 3055 S Baldwin Rd, Lake Orion, MI 48359
Phone: (248) 636-1644
Website: asburysf.com
Licenses and credentials: Veteran owned
Located in Lake Orion, this State Farm office writes home, auto, life and small business insurance, and the website says a licensed team handles the work. Reviewers mention an agent who walked them through each option clearly and left the final choice to them, with no pressure to add more coverage. One reviewer describes comparing auto, home and motorcycle policies side by side and seeing how different deductibles changed their premiums. Another says setup was fast and ended with a better rate and more coverage than before. A loan officer who reviewed the office mentions good communication, speed and quality of service.
What stands out:
- Veteran owned, according to the agency website
- Serves Orion Township, Oxford, Clarkston and Rochester Hills
- Also serves Rochester, Auburn Hills and customers throughout Michigan
FAMILY SHIELD INSURANCE GROUP
Family Shield Insurance Group is a Lake Orion agency offering home, auto, life, business and umbrella coverage. Reviewers describe a team that is knowledgeable and responsive and takes time to explain each option until it makes sense. One reviewer says the agency cut their auto insurance by more than $250 a month. Another bundled home and auto for a better rate, and one more found coverage for both a personal home and an investment property at a lower price than other quotes. Quick replies come up often in the reviews, along with a process people call smooth and stress free.
What stands out:
- Online quote tool for auto, home or both
- Free auto and homeowners quotes offered on the website
- Customer service page and help center on website
J Jacobs and Associates
Address: 4301 S Baldwin Rd, Lake Orion, MI 48359
Phone: (248) 693-6455
Website: jjainsurance.com
In business since: 1981
Licenses and credentials: Family owned
Independent since 1981, this family-owned agency works from an office in Lake Orion. Instead of selling one carrier, it shops more than 20 carriers for auto, home, life and business coverage, and the website also lists umbrella policies, workers compensation and a billing and claims service center. Reviewers mention staff who answer questions clearly, stay easy to reach and do not rush the process. One longtime customer says the agency has kept coverage good and pricing reasonable while Michigan home and auto rates keep rising. Others mention a friendly front desk that makes sure callers understand everything before hanging up.
What stands out:
- Licensed statewide, according to the agency website
- Separate personal and commercial insurance product lines
- Reviewers mention help setting up homeowners and auto together
Scott Ockerman - State Farm Insurance Agent
Run by Scott Ockerman, this State Farm office in Lake Orion writes life, home, car and business insurance and offers free quotes. Reviewers describe the whole office as polite, helpful and responsive, and several name the same staff member for patient, clear explanations of coverage. One reviewer who had insured two vehicles there for about five years later added their home and was happy with the process. Another credits the team with setting up a business policy, and a third says an agent found them a low rate. One customer who has every policy through State Farm says the service from this team stands out.
What stands out:
- Office phone listed as (248) 391-9300
- Long-term customers mention staying with the office for years
- Local State Farm office in Lake Orion, Oakland County
Community Insurance Center
Address: 932 S Lapeer Rd, Oxford, MI 48371
Phone: (248) 628-2505
Website: communityinsurancecenter.com
Based in Oxford, next to Lake Orion, this independent agency serves Lake Orion households and businesses from its office at 932 S Lapeer Road. The website says it has delivered insurance and financial services for over 40 years. Personal lines include home, auto, condo, life and umbrella coverage, and business options include business auto, commercial umbrella and cyber liability. Reviewers mention quick email replies and policy updates, and one says a staff member reviewed their policy and saved them over $1,300 in a few minutes. Another describes help through buying a first home, then bundling and lowering premiums over the following years.
What stands out:
- Office hours 9 to 4:30, Monday through Friday
- Insurance by industry, including carpenters, churches and nonprofits
- Reviewers mention help with coverage for building a new home
Liberty Way Realty
Liberty Way Realty is in Lake Orion, and its reviews describe real estate work: buying and selling homes. No insurance services are listed on its website. Reviewers describe agents who are hard working, honest and professional, and who keep sellers informed through the whole process. One family describes help selling two estate homes quickly, including guidance on arranging clean out and estate sales. A buyer mentions an agent who knew the neighborhoods well and taught them a lot along the way. If you need a policy rather than a house, the other agencies on this list are the ones that sell insurance.
What stands out:
- Reviewers describe the company as independent and family owned
- Repeat clients mention working with the same agents for years
- Office located in Lake Orion, Oakland County
Jamie Felix - State Farm Insurance Agent
Address: 95 Indianwood Rd, Lake Orion, MI 48362
Phone: (248) 693-8100
Website: jamiefelix.com
In business since: 2001
Founded in 2001, Jamie Felix's State Farm office in Lake Orion offers home, auto, life and business insurance. The website says a licensed team serves Lake Orion, Oxford and neighbors across Michigan, Ohio and Indiana. Reviewers mention responsive, friendly staff and say they can stop by the local office with questions and never wait on hold. One customer describes support for both for-profit and nonprofit organizations, with the team taking time to work through several entities. Another says an agent spent about three hours over two days going through every policy, lowering some prices while keeping needed coverage. Reasonable rates come up in several reviews.
What stands out:
- Free quotes by phone at (248) 693-8100
- Long-time customers mention years of consistent service
- Website describes personalized service and coverage support
How We Built This List
- Google reviews and ratings pulled via the Google Places API on 2026-10-22, sorted by rating weighted by review count.
- Location. Companies with an address in Lake Orion, 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 Lake Orion ask us who to call. Verify licenses and get more than one quote.
Need a Roofer in Lake Orion, 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 Lake Orion 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 Lake Orion. Budgeting? See what a roof replacement costs in Lake Orion, with real prices from our published jobs.
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Frequently Asked Questions
Is there an insurance agency based in Lake Orion?
Yes. Jake Asbury's State Farm office, Family Shield Insurance Group, J Jacobs and Associates, Scott Ockerman's State Farm office and Jamie Felix's State Farm office are all based in Lake Orion. J Jacobs and Associates is an independent agency, and the three State Farm offices sell State Farm policies. Community Insurance Center, another independent agency, is in Oxford, next to Lake Orion, and also serves Lake Orion.
Does homeowners insurance cover roof replacement in Michigan?
It depends on the cause of the damage and the wording of your policy. Many homeowners policies cover roof damage from sudden events such as wind, hail or a fallen tree, while wear and age are usually excluded. Some policies pay full replacement cost and others pay a depreciated value for older roofs, and your deductible applies either way. Ask your agent which terms apply before a storm, not after.
Captive or independent agent: which is better?
Neither is better for everyone. Captive agents sell one carrier, like the State Farm offices on this list. Independent agents quote several carriers; J Jacobs and Associates says it shops more than 20, and Community Insurance Center is also independent. A captive agent can know one company's products deeply, while an independent agent can compare prices across companies. Either way, Michigan agents are licensed by the Department of Insurance and Financial Services (DIFS), and you can check a license on the DIFS lookup.
Does Roofing Army help with insurance claims?
No. Roofing Army does roofing only. We do not sell insurance, and we do not file or manage claims for homeowners. What we do on storm jobs is meet the adjuster on site and document what is actually damaged on the roof. A good agent makes that process faster, so it helps to have one you can reach. Roofing Army also inspects roofs for free in Lake Orion if you want to know where yours stands.



