Everything You Need to Know About Insurance

You can request a quote through our website contact form, by calling us at 248-300-4343, or by emailing brennan@longlakeinsuranceagencyllc.com. Simply provide your basic information and coverage needs, and a licensed agent will respond within 24 business hours with personalized options.

Absolutely not. All quotes from Long Lake Insurance Agency are completely free and carry no obligation. We believe you should have all the information you need to make the best decision for your family or business before committing to anything.

Most clients receive their personalized quote within 24 business hours of submitting their information. For complex commercial policies, it may take up to 48–72 hours to gather all carrier options. We'll always keep you informed of the timeline.

For auto insurance, we typically need your driver's license, vehicle information (year, make, model, VIN), and driving history. For home insurance, we need your property address, year built, and square footage. For business insurance, we'll need your business type, annual revenue, and number of employees. We'll guide you through exactly what's needed.

We offer auto insurance, home insurance, business insurance, life insurance, commercial liability insurance, property insurance, and insurance consulting services. As an independent agency, we work with multiple top-rated carriers to find the best coverage for each type.

Yes. As an independent insurance agency, we are not tied to any single carrier. We work with a network of top-rated insurance companies to shop the market on your behalf and present you with the best options for your specific needs and budget.

Absolutely. Our insurance consulting service includes a thorough review of your current policies to identify coverage gaps, overlaps, or areas where you may be overpaying. This review is complimentary and comes with no obligation to change your coverage.

Yes. Many of our carrier partners offer multi-policy discounts when you bundle auto and home insurance, or combine personal and commercial coverage. During your consultation, we'll identify all available discounts to maximize your savings.

We aim to respond to all inquiries within 24 business hours. For urgent matters — such as an active claim or coverage question — we encourage you to call us directly at 248-300-4343 for the fastest response.

Once you select your coverage, we handle all the paperwork and submission to the carrier. You'll receive your policy documents digitally, and we'll walk you through the key details. We also schedule an annual review to ensure your coverage remains appropriate as your life changes.

Yes. While claims are processed directly through your insurance carrier, we're available to guide you through the process, help you understand your coverage, and advocate on your behalf if any issues arise. We don't disappear after the sale.

Payment is made directly to your insurance carrier, not to Long Lake Insurance Agency. Each carrier offers various payment options including monthly, quarterly, semi-annual, or annual billing. We'll provide full details when your policy is issued.

Most insurance policies can be cancelled with proper notice to the carrier. The specific cancellation terms — including any short-rate penalties or pro-rated refunds — vary by carrier and policy type. Contact us and we'll walk you through the cancellation process for your specific policy.

In most cases, if you cancel your policy before the expiration date, you may be entitled to a pro-rated refund of the unused premium. Some policies may apply a short-rate cancellation fee. We recommend reviewing your policy documents or contacting us before cancelling to understand the financial implications.

We do not typically charge service fees for standard insurance placements. For certain consulting or administrative services, fees may apply and will always be disclosed upfront before any work begins. Please see our Refund Policy for full details.