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City Rankings

Best Insurance Agents in Oxford, MI (2026)

By Aaron Scott|6 min read||Oxford, MI

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 Oxford, 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 Oxford come first. This list is updated for 2026.

Quick Comparison

#CompanyRatingReviewsPhone
1Best Senior Health Plans★★★★★5.0137(248) 770-7553
2Nick Horvath - State Farm Insurance Agent★★★★★4.9240(248) 693-2464
3Curtis Insurance Agency-America One★★★★★4.9130(248) 628-3604
4Community Insurance Center★★★★★4.8132(248) 628-2505
5Melisa Counelis Farm Bureau Insurance★★★★★5.015(248) 929-5896
6Angela McConnell - State Farm Insurance Agent★★★★★5.011(248) 628-4823
7Rich Dagenais Insurance★★★★★5.06(248) 628-4900
#1

Best Senior Health Plans

★★★★★5.0(137 reviews)

Address: 52 E Burdick St, Oxford, MI 48371

Phone: (248) 770-7553

Website: bestseniorhealthplans.com

Best Senior Health Plans is an Oxford agency built around Medicare guidance. Its website walks through Original Medicare, Medicare Advantage and enrollment at 65, with a glossary and other resources for people new to the system. Beyond Medicare, it lists copay protection plans, ACA Marketplace insurance for families and life insurance. Reviewers mention an agent who is patient and knowledgeable, and who takes time to help seniors through a process that can feel confusing. Several first met the agency at an informative presentation and felt comfortable asking for help afterward. This is a good fit if your questions are about health coverage rather than home or auto.

What stands out:

  • Prescription drug and Medicare Supplement plan guidance
  • Dental, vision and hearing plans offered
  • Free consultation available by appointment
  • Reviewers describe a low pressure approach
#2

Nick Horvath - State Farm Insurance Agent

★★★★★4.9(240 reviews)

Address: 148 S Washington St, Oxford, MI 48371

Phone: (248) 693-2464

Website: nickinsuresmi.com

From his State Farm office in Oxford, Nick Horvath serves the town and nearby parts of Oakland County. As a State Farm agent, he quotes that one carrier rather than shopping several. Reviewers say the team takes time to explain each choice, so they know what their policy covers and where it could be improved. One customer of more than ten years says filed claims have always been processed without trouble. Another picked the agency after comparing several providers and mentions a competitive price. If a storm ever damages the roof, an agent who has already explained the coverage makes the claim easier to start.

What stands out:

  • Over 25 years of insurance experience
  • Home, auto, life and business insurance
  • Reviewers mention quick replies with detailed notes
  • Free quotes by phone at (248) 693-2464
#3

Curtis Insurance Agency-America One

★★★★★4.9(130 reviews)

Address: 25 N Washington St, Oxford, MI 48371

Phone: (248) 628-3604

Website: curtisinsuranceagency.com

In Oxford, Curtis Insurance Agency is known among reviewers for patient explanations. Several describe an agent who walks through the differences between policies and makes sure they understand what each part of their coverage does. One reviewer notes the agent was honest about the premium compared with the coverage being offered. Others mention fast replies to questions, even when they had many of them, and close attention to detail. A friend's referral led another customer to request a quote at renewal, and that customer left pleased. Since no website details were available, ask the office directly which carriers and policy types it offers.

What stands out:

  • Based in Oxford, Oakland County
  • Reviewers mention coverage arranged within days of a home closing
  • Reviewers describe no pressure and no upselling
  • One reviewer reports cutting their premium by over half
#4

Community Insurance Center

★★★★★4.8(132 reviews)

Address: 932 S Lapeer Rd, Oxford, MI 48371

Phone: (248) 628-2505

Website: communityinsurancecenter.com

Community Insurance Center works as an independent agency, which means it can compare policies from more than one company. Personal lines include home, auto and condo coverage. On the business side, the website lists business auto, commercial umbrella and cyber liability, plus programs for carpenters, churches and non-profits. Reviewers describe staff who answer emails quickly and update policies as needed. One customer says a quick review of their policy saved more than $1,300. Others mention help buying a first home and getting coverage in place to build a new one. For homeowners who want several quotes side by side, an independent office like this is a practical place to start.

What stands out:

  • Office at 932 S Lapeer Road, Oxford
  • Delivering insurance and financial services for over 40 years
  • Open 9 to 4:30, Monday through Friday
  • Reviewers mention lower premiums through bundling policies
#5

Melisa Counelis Farm Bureau Insurance

★★★★★5.0(15 reviews)

Address: 115 S Washington St, Oxford, MI 48371

Phone: (248) 929-5896

Website: insurancemommi.com

Working out of Oxford, Melisa Counelis and her team write a wide range of personal policies. The website lists homeowners, condo, renters and mobile home coverage, along with personal auto, specialty auto, recreation and personal umbrella insurance. Reviewers mention a careful look at individual needs and savings on house and auto rates. One restaurant owner says she explained everything clearly and made the setup smooth. Another reviewer points out that she also handles mortgage protection and life insurance. The site also features Ting, a program to help prevent electrical fires, which homeowners can ask about.

What stands out:

  • Farm Bureau agent with prior years in the insurance industry
  • Lake Estate and Country Estate home policies
  • Workers compensation and commercial insurance for businesses
  • Reviewers mention she found gaps in previous coverage
#6

Angela McConnell - State Farm Insurance Agent

★★★★★5.0(11 reviews)

Address: 318 N Lapeer Rd, Oxford, MI 48371

Phone: (248) 628-4823

Website: mcconnellagent.com

In business since: 2017

Angela McConnell has a State Farm office in Oxford, and her website says customer relationships built over many years are her favorite part of the job. Reviews back that up: several customers say they have stayed with the office for close to 20 years. Reviewers describe a staff that is knowledgeable, quick to answer questions and friendly. One says the team handles both personal and business policies. Others describe the office as inviting and say it feels like family. Because it is a State Farm agency, quotes come from that one carrier. That steady relationship can help when you need to file a claim after storm damage.

What stands out:

  • State Farm agent for 30 years
  • Home, auto, life and business coverage
  • Free quotes by phone at (248) 628-4823
  • Reviewers mention reaching a person, not an automated system
#7

Rich Dagenais Insurance

★★★★★5.0(6 reviews)

Address: 826 S Lapeer Rd # C, Oxford, MI 48371

Phone: (248) 628-4900

No website was available for Rich Dagenais Insurance, so this profile draws on what customers say. One reviewer reports saving hundreds of dollars a year with an umbrella insurance option covering both a home and a farm. The other reviews are brief and positive, and one simply calls it a great insurance agent. Since the agency's carriers and policy list are not published, call and ask which companies it represents and whether it can quote home, auto and umbrella coverage together. Bringing your current declarations page to that first call makes comparing easier.

What stands out:

  • Insurance agency based in Oxford
  • Reviewers call the agent knowledgeable and helpful
  • Reviewers describe the agency as easy to work with

How We Built This List

  • Google reviews and ratings pulled via the Google Places API on 2026-10-20, sorted by rating weighted by review count.
  • Location. Companies with an address in Oxford, 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 Oxford ask us who to call. Verify licenses and get more than one quote.

Need a Roofer in Oxford, 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 Oxford for free, quotes five options at different price points, and takes no deposit until the job is done.

Oxford roofing services →

Comparing roofers? See the best roofing companies in Oxford. Budgeting? See what a roof replacement costs in Oxford, with real prices from our published jobs.

More Oxford Rankings

Frequently Asked Questions

Is there an insurance agency based in Oxford?

Yes. All seven agencies on this list are based in Oxford: Best Senior Health Plans, Nick Horvath - State Farm Insurance Agent, Curtis Insurance Agency-America One, Community Insurance Center, Melisa Counelis Farm Bureau Insurance, Angela McConnell - State Farm Insurance Agent and Rich Dagenais Insurance. Best Senior Health Plans focuses on Medicare and health coverage, while the others handle home and other personal policies.

Does homeowners insurance cover roof replacement in Michigan?

It depends on the cause and your policy. Most homeowners policies cover sudden damage from events like wind, hail or a fallen tree, but not wear from age or lack of upkeep. Some policies pay replacement cost and others pay actual cash value, which subtracts for age. Ask your agent which one you have before a storm hits. Roofing Army meets adjusters on site for storm claims and documents what is actually damaged, and a good agent makes that process faster.

Captive or independent agent: which is better?

Neither is better in every case. Captive agents, like the State Farm offices on this list, sell one carrier and know its policies in depth. Independent agents, such as Community Insurance Center, quote several carriers so you can compare prices side by side. Either way, Michigan insurance agents are licensed by the Department of Insurance and Financial Services (DIFS), and you can check any agent's license on the DIFS lookup.

Does Roofing Army help with insurance claims?

No. Roofing Army does roofing only. We are not an insurance agency, and we do not sell policies or manage claims. Your claim runs through your agent and your insurance company. What we do is meet adjusters on site for storm claims and document what is actually damaged on the roof. Roofing Army also inspects roofs for free in Oxford, which is a good first step if you suspect storm damage.

About the Author

Aaron Scott, Owner, Licensed Residential Builder

20+ years in the home service industry. Licensed residential builder in Michigan. Owner of Roofing Army with offices in Oxford, Ferndale, Rochester Hills, Plymouth, and Jenison.

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