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City Rankings

Best Insurance Agents in Royal Oak, MI (2026)

By Aaron Scott|5 min read||Royal Oak, 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 Royal Oak, 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 Royal Oak come first. This list is updated for 2026.

Quick Comparison

#CompanyRatingReviewsPhone
1Eagle Rock Insurance Agency★★★★★5.0126(248) 548-5530
2Cameron Barnes - State Farm Insurance Agent★★★★★4.9640(248) 721-8365
3Tiffany Khousakoun - State Farm Insurance Agent★★★★★4.9171(248) 864-8219
4Kirsten Wood - State Farm Insurance Agent★★★★★4.9162(248) 547-5309
5HealthMarkets Insurance - Julia Muraj Bruceti★★★★★5.029(248) 225-3821
6The Robert Littleton Insurance Agency★★★★★5.019(248) 643-7575
7High Favor Insurance Agency LLC★★★★★4.8106(248) 765-8675
#1

Eagle Rock Insurance Agency

★★★★★5.0(126 reviews)

Address: 1904 W Eleven Mile Rd, Berkley, MI 48072

Phone: (248) 548-5530

Website: eaglerockinsurance.com

Eagle Rock Insurance Agency is in Berkley, next to Royal Oak, and serves Royal Oak clients. It is an independent agency, so it can compare more than one carrier for the same coverage. The agency writes auto, home, life and business insurance across Michigan. Its website has a section for carriers, claims and payments. Reviewers mention staying with the agency for decades on auto, home and RV policies. Several describe yearly policy reviews aimed at keeping rates competitive. Others mention staff who explain the options openly before settling on a quote.

What stands out:

  • Independent agency quoting multiple insurance carriers
  • Auto, home, life and business coverage
  • Reviewers mention fast, professional solutions for home and auto
  • Office in Berkley, serving Royal Oak
  • Online quote requests through the agency website
#2

Cameron Barnes - State Farm Insurance Agent

★★★★★4.9(640 reviews)

Address: 306 S Washington Ave Ste 207, Royal Oak, MI 48067

Phone: (248) 721-8365

Website: cameronsf.com

This State Farm office is in Royal Oak and describes itself as a local Oakland County insurance office. As a State Farm agency, it sells State Farm policies for home, auto, life and business. Free quotes are offered by phone. Reviewers mention staff who handle several properties, vehicles and liability coverage in one place. One first-time homeowner describes getting help bundling auto and home, along with clear answers on sewer and water line questions. Others mention patient staff who explain options without pressure, even when they are not ready to switch policies yet.

What stands out:

  • State Farm captive agency in Royal Oak
  • Bundles auto, home and life policies
  • Reviewers mention responsive service after the sale
  • Free quotes by phone: (248) 721-8365
#3

Tiffany Khousakoun - State Farm Insurance Agent

★★★★★4.9(171 reviews)

Address: 312 E 3rd St, Royal Oak, MI 48067

Phone: (248) 864-8219

Website: tiffanykinsurance.com

Royal Oak is home to Tiffany Khousakoun's State Farm office, which writes auto, home, life and business insurance. Free quotes are available by phone. One reviewer bundled a new home policy with a car and says the quote beat those from other State Farm offices. Another mentions good discounts and an accident claim handled efficiently. A customer of several years says the team covers their home, auto and specialty car needs. Reviewers also point to steady communication and support from the first call, with a friendly and professional staff.

What stands out:

  • State Farm agency located in Royal Oak
  • Specialty car coverage alongside home and auto
  • Reviewers describe kind, efficient service from the whole team
  • Free quotes by phone: (248) 864-8219
#4

Kirsten Wood - State Farm Insurance Agent

★★★★★4.9(162 reviews)

Address: 1017 S Washington Ave, Royal Oak, MI 48067

Phone: (248) 547-5309

Website: kirstenwood.net

In business since: 2015

Founded in 2015, the Wood Agency is a State Farm office in Royal Oak. Its website lists auto, home, life, renters and business insurance, and the office offers free quotes by phone. Reviewers mention staff who reply to texts and emails promptly and take time to explain each policy. One customer who switched after nearly 20 years with another company says the office was close enough to drop in. Others describe a professional staff that stays on top of things and a friendly front desk for paying bills in person.

What stands out:

  • State Farm captive agent based in Royal Oak
  • Operating since 2015 in Royal Oak
  • Renters insurance listed alongside home and auto
  • Reviewers mention patience with customers comparing before switching
  • Free quotes by phone: (248) 547-5309
#5

HealthMarkets Insurance - Julia Muraj Bruceti

★★★★★5.0(29 reviews)

Address: 32801 Woodward Ave, Royal Oak, MI 48073

Phone: (248) 225-3821

Website: healthmarkets.com

Unlike the property and auto agencies on this list, this Royal Oak office focuses on health coverage. Julia Muraj Bruceti is a licensed agent with HealthMarkets Insurance Agency. She works with individuals and families on health, Medicare, dental, vision, supplemental and life insurance. Reviewers describe someone who takes the time to explain options until they are clear. Longtime clients mention coverage that fits their budget. Others mention help finding insurance for a parent and for a sibling's family. It is a good fit if you need health or Medicare guidance rather than a home policy.

What stands out:

  • Licensed health insurance agent with HealthMarkets
  • Medicare, dental and vision plan options
  • Serves Royal Oak and surrounding communities
  • Reviewers mention clear guidance through the health care system
  • Free quotes by phone: (248) 225-3821
#6

The Robert Littleton Insurance Agency

★★★★★5.0(19 reviews)

Address: 104 W 4th St #205, Royal Oak, MI 48067

Phone: (248) 643-7575

Website: farmersagent.com

With an office in Royal Oak, The Robert Littleton Insurance Agency writes personal and small business coverage. One business owner says the agency picked up the phone right away and made getting a small business policy easy. Others mention help securing homeowners insurance on a newly purchased home, and condo coverage for buyers from out of town. A reviewer says the agency saved a lot on auto insurance. A common thread is quick callbacks and plain explanations of what a policy covers and what it costs.

What stands out:

  • Royal Oak agency handling auto and homeowners policies
  • Small business insurance mentioned by reviewers
  • Condo insurance for new property owners
  • Reviewers mention fast callbacks when the agent is out
#7

High Favor Insurance Agency LLC

★★★★★4.8(106 reviews)

Address: 26080 Woodward Ave, Royal Oak, MI 48067

Phone: (248) 765-8675

Website: highfavorinsurance.com

On Woodward Avenue in Royal Oak, High Favor Insurance Agency LLC writes a wide range of personal and commercial policies. The list includes auto, home, condo, life, umbrella, commercial, boat, motorcycle and classic car insurance. Its website lets clients view policies, print ID cards, add a driver, make a payment and file a claim online. Reviewers mention quotes that came in lower than what they were paying for car insurance. Others describe staff who explain options without industry jargon and help with claims and first-home policies.

What stands out:

  • Office at 26080 Woodward Ave, Royal Oak
  • Umbrella, motorcycle and boat coverage available
  • Reviewers mention help navigating complicated claims
  • Reviewers mention prompt, thorough service from the team

How We Built This List

  • Google reviews and ratings pulled via the Google Places API on 2026-10-21, sorted by rating weighted by review count.
  • Location. Companies with an address in Royal Oak, 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 Royal Oak ask us who to call. Verify licenses and get more than one quote.

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

Royal Oak roofing services →

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

More Royal Oak Rankings

Frequently Asked Questions

Is there an insurance agency based in Royal Oak?

Yes. Six agencies on this list are based in Royal Oak: Cameron Barnes, Tiffany Khousakoun and Kirsten Wood, all State Farm agents; HealthMarkets Insurance with Julia Muraj Bruceti, which focuses on health and Medicare; The Robert Littleton Insurance Agency; and High Favor Insurance Agency LLC on Woodward Ave. Eagle Rock Insurance Agency is in Berkley, the next town over, and serves Royal Oak as an independent agency.

Does homeowners insurance cover roof replacement in Michigan?

It can, depending on the cause. Most homeowners policies cover roof damage from sudden events such as wind, hail or a falling tree. They usually do not pay to replace a roof that is simply old or worn out. Some policies pay less on older roofs, so read your declarations page or ask your agent. We meet adjusters on site for storm claims 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. Michigan insurance agents are licensed by the Department of Insurance and Financial Services (DIFS). Captive agents sell one carrier, like the State Farm agents on this list. Independent agents quote several, like Eagle Rock Insurance Agency in Berkley. A captive agent knows one company's products well, while an independent agent can compare prices across carriers. Whichever you choose, check the license on the DIFS lookup.

Does Roofing Army help with insurance claims?

No. Roofing Army does roofing only and does not sell insurance or file claims for homeowners. Your agent and your insurance company handle the claim itself. We handle the roofing side: we meet adjusters on site for storm claims and document what is actually damaged. Roofing Army also inspects roofs for free in Royal Oak, so you can find out whether there is storm damage before you call your agent.

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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