Fall weather is here, and it’s a great time to make sure your insurance coverage is ready for the road ahead! 🍂🚗 Shorter days, wet leaves, and more deer activity can bring added challenges to fall driving, while cooler temperatures make it a good time to prepare your home for the months ahead. A fall insurance review can help you understand your auto and home coverage, check your deductibles, and identify gaps before seasonal surprises happen.

Give us a call or stop by for an insurance review to ensure your auto policy is up to date before you head out on your seasonal adventures. If you've experienced any major life changes such as getting married, welcoming a child, changing jobs, or other important milestones, reach out to discuss your life insurance needs and make sure your loved ones are protected. And if you're purchasing a new home this season, contact us about home insurance coverage to help safeguard your home from day one. We’re here to help keep what matters most protected!

I am an avid fly fisherman. On my days off, looking for any opportunity to find a stream or lake to wet my line and catch a prized fish. I also enjoy animals and have always owned English Springer Spaniels. They have an awesome temperament and are so loving. I have lived in Birmingham, Bloomfield Hills, and Waterford. I enjoy hiking and nature. In the winter months, I like to get outside and snowshoe. In the summer, I enjoy gardening and long walks out in nature. On my days off, I enjoy cooking. It is always enjoyable to try new recipes and occasionally, you find some that become one of your favorites!

My family have been in the insurance industry all my life. I have a father, Bob J Ross, who was a 46-year, President Club, State Farm Agent. I also have a younger brother and brother-in-law, who are State Farm agents as well. This career choice is my passion and, all I have ever known. I have worked for State Farm since 1989, after graduating from Oakland University. That means I have over 34+ years of insurance experience to share with my customers. I was a claim handler and handled PIP claims. I have experience in negotiating liability claims with many law firms. I was promoted into management, which allowed me to exercise my leadership skills. All of this allows me to provide key consultation in choosing the right No Fault Reform Choices. No Fault Reform Choices changed in 7/2/2020. This is the largest change in our laws in the last 30 years. Healthcare may not cover your auto related injuries as comprehensively as you may think. Your choice in PIP Medical coverage is critical. The wrong choice could bankrupt your household. We want to help you evaluate whether “excluding” your medical coverage or “opt-out” are the right choices for you. Other agencies want to quote you the “least costly” option so they can write your business. Some companies advertise that by selling you the costliest coverage, the agent makes more. So why would they not tell you your options? With our agency, we explain all your options! Inevitably, you choose the option that balances the right coverage but fits your budget. We put your needs first!

Are you shopping for a new Auto? Is this your first time purchasing a Home? Does your apartment now require you to purchase Renters Insurance? How about changing careers and looking for Business and Liability insurance to properly protect you? We can help in all those situations. Adding a new driver to the household? You want to make sure your children are added to your policies for coverage. If they are not, you may find yourself in an accident and the claim may not be honored. We also offer policies for Rental Properties that you purchase. Worried about being sued with all the legal advertising these days? Purchase an Excess Personal Liability Policy to ensure all drivers in your household are covered. There are many more distracted, aggressive drivers on the road these days. This is creating a more litigious outcome.

Our Agency is built on Referrals and the unique service we provide to our customers! People are tired of dealing with carriers that expect you “to do it yourself” and “talk to an automated attendant”. You get a live person each time you contact our agency. Give us an opportunity to demonstrate a different outcome.

November 2026