Hey there! I'm Nick Horvath, your friendly neighborhood insurance agent serving Oxford, MI, and the surrounding areas of Oakland County. With over 25 years of experience, I'm here to help you navigate the sometimes-confusing world of insurance.

I grew up in Flushing, MI, in a loving family with my parents and three siblings. After finishing high school in '99, I headed to Baker College in Flint, MI, where I originally pursued drafting and engineering. But during my time there, my interest in insurance started to grow.

In 2000, I started my career working with my father, who was an agent with a major competitor. This experience gave me valuable insights into the insurance industry and helped me develop crucial skills. In 2005, I joined State Farm as a team member for an agent in East Lansing, MI.

In May 2016, we opened our doors as Nick Horvath - State Farm in Lake Orion, MI. Since then, our agency has grown, and we've received various levels of recognition. Recently, we decided to shake things up and relocate our office to Oxford, MI. This move allows us to better serve our valued customers in the surrounding Oakland County communities, whether you're in Lake Orion, Metamora, Auburn Hills, Rochester Hills, Dryden, Lakeville, or anywhere nearby.

At our agency, we find true satisfaction in helping folks like you find the perfect auto insurance, home insurance, life insurance, and business insurance to meet your needs. And the greatest part? We're backed by the largest insurer in the United States, so you can know that you're in good hands.

To make your life easier, we offer 24/7 assistance through calls, clicks, or texts. Our dedicated team is always here to provide prompt and reliable support whenever you need it.

Whether you want to swing by our office in person or meet us virtually, we'd love to chat and create a personalized insurance plan just for you. Let's embark on a journey of safeguarding your loved ones and your valuable assets from life's uncertainties.

October 2026

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. Nick is here to help your Oxford household feel covered.

Q: How soon can I get insured for my car?

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. Looking for coverage? Talk with Nick about your options in Oxford.

Q: What are the insurance requirements on a leased car?

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. Nick is proud to serve the Oxford community.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Serving Oxford and the surrounding area, Nick can help answer your questions.

Q: What kinds of things does renters insurance protect?

A: Renters insurance helps protect the things you own if something unexpected happens. It can help cover personal belongings if they're damaged or stolen, provide personal liability protection if someone is injured, and help with additional living expenses if you're unable to stay in your home due to a covered loss. For personalized coverage in Oxford, MI, reach out to Nick.

Q: Is homeowners insurance required?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Have questions? Nick in Oxford can walk you through your options.