Halloween is right around the corner and now is a great time to protect what matters most. As your local State Farm Insurance agent in Royal Oak, we help individuals and families in Michigan with auto, home, renters and life insurance. Whether you’re reviewing existing coverage or looking for new policies, our team is here to help you feel confident and protected.

From Auto and Home Insurance to Life and Business Insurance, our personalized plans give you the confidence to kickoff 2026 without worry. Take a moment this month to review your coverage and make sure you’re protected, because when the unexpected happens, it’s your State Farm Insurance team that stands by you.

Welcome to Michael Lantzy - State Farm Insurance, proudly serving all of Michigan, Ohio, Indiana, Wisconsin and Texas with two convenient locations in Royal Oak and Bingham Farms, MI. As a dedicated State Farm Agent since 2011 and a lifelong Michigan resident, I am committed to helping you with all your insurance needs.

Our Services:

• Auto Insurance Quotes

• Homeowners Quotes

• Renters Insurance

• Life Insurance

• Health Insurance

• Business Insurance

• Motorcycle Insurance

• Boat Insurance

We focus on providing personalized insurance to residents of Royal Oak, Clawson, Berkley, Ferndale, and Oakland County. Our office focuses on need-based conversations to ensure you receive the coverage for your unique situation.

Why Choose Us?

• Serving State Farm customers since 2006

• Our team has over 50 years of insurance experience

• Two Convenient Locations to Serve You Better

• We pride ourselves on being an insurance name Oakland County can count on

• We would love to prepare and protect your family for what can go wrong, and help plan for what can go right

• After-hours customer support available via app, online account, and phone

• Serving Michigan, Ohio, Indian, Wisconsin, Texas

At Michael Lantzy - State Farm Insurance, we offer all our customers the opportunity to discuss their risks, goals, and how State Farm can help protect their families. Whether you're in Michigan, Ohio, or Texas we're here to assist you.

Contact us today for a State Farm quote and experience the difference of working with a dedicated State Farm agent near you.

Frequently Asked Questions (FAQs)

Q: How do I get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Serving Royal Oak and the surrounding area, Michael can help answer your questions.

Q: How quickly can car insurance coverage start?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Have questions? Michael in Royal Oak can walk you through your options.

Q: What kind of insurance do I need for a leased vehicle?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Michael works with Royal Oak residents to find coverage that fits.

Q: Is homeowners insurance required?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Connect with Michael for insurance guidance in Royal Oak.

Q: What exactly is renters insurance and how does it work?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. In Royal Oak, you can count on Michael for personalized service.

Q: How does life insurance work?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. Michael serves Royal Oak, MI and is happy to help with your insurance needs.