Independent insurance agency · Michigan

Home & auto insurance, shopped for you.

The Koka Group is an independent agency. We compare quotes from multiple top-rated carriers and hand you the best fit — home, auto, renters, business, life, and more — with a real person on the other end of the line.

Get a free quote Join our team

Prefer to talk? Email thekokagroup@gmail.com and we'll set up a call — real people, no sales scripts.

  • Licensed in Michigan
  • Independent agency
  • Multiple carriers compared
  • Home + auto bundles
01

Coverage we place

Personal · Specialty · Business · Life

We're independent, so we're not stuck with one company's products. Tell us what you need to protect and we'll find the carrier that fits it best — and price it against the others.

Auto

Cars, trucks, and SUVs. Liability, collision, comprehensive, and the extras that actually matter — rental reimbursement, roadside, and gap.

Get an auto quote for Auto

Homeowners

Coverage for the house, what's in it, and the people who live there — with replacement cost that keeps up with today's building prices.

Get a home quote for Homeowners

Renters

Protects your belongings and your liability for less than most people expect. Often required by your landlord — and worth it either way.

Get a renters quote for Renters

Condo

Covers the interior, your belongings, and your liability — built around what your association's master policy doesn't cover.

Get a condo quote for Condo

Umbrella

Extra liability protection above your home and auto limits, so one bad day doesn't reach your savings, your home, or your future income.

Get an umbrella quote for Umbrella

Business

General liability, commercial auto, business owner's policies, and workers' comp for contractors, retailers, landlords, and home-based businesses.

Get a business quote for Business

Life

Term and permanent life insurance to protect your family's income, your mortgage, and the plans you've made — quoted across multiple carriers.

Get a life quote for Life

Not sure what you need? Tell us about your situation

02

An independent agent who works for you

Why clients choose us

Independent

We aren't employed by an insurance company. We work for you, so the recommendation is about your fit and your price — not a quota.

We shop the market

One conversation, multiple carriers. We compare rates and coverage side by side so you don't have to spend your weekend doing it.

Bundle & save

Most households save the most by bundling home and auto with one carrier. We'll show you when it's worth it — and when it isn't.

Licensed & local

Licensed in Michigan and based here. When you call, you get a person who knows your name and your policy — not a call center.

03

How it works

Three steps · Usually one business day
  1. 1

    Tell us about you

    A few minutes on the phone or the quote form. Your address, vehicles, drivers, and what you have today. If you have a current policy, a photo of the declarations page is perfect.

  2. 2

    We shop the market

    We run your details across our carriers, compare coverage apples to apples, and come back with options — usually within one business day.

  3. 3

    You pick. We handle the rest.

    We bind the policy, cancel the old one if you're switching, and send proof of insurance wherever it needs to go — lender, landlord, or the DMV.

04

Closing soon? We keep it on schedule.

For loan officers · Realtors · Lenders

Loan officers and real estate agents send us their buyers because we turn homeowners quotes around fast, get evidence of insurance to the lender the same day, and keep everyone in the loop. Your client gets a real agent. You get one less thing to chase.

Partner with us Send us a client
  • Fast homeowners quotes for purchases and refinances — typically the same business day.
  • Evidence of insurance and binders sent straight to the lender, title company, or closing agent.
  • Auto bundled at the same time when it saves the client money — and skipped when it doesn't.
  • Status updates without asking. You'll know where things stand before the closing checklist does.
For agents

Build your book with The Koka Group

Independent contracts, multiple carriers, and real mentorship from a producer who built a book from a standing start. Licensed or ready to get licensed — let's talk.

Explore careers
Get started

Request your free quote

Tell us a little about what you're looking for and we'll reach out with options. No obligation, no pressure.

  • Independent — we compare multiple carriers for you
  • Straight answers, no sales pressure
  • Your information is never sold

Want the full picture in one go? Use the detailed quote form.

By submitting, you agree to be contacted by The Koka Group about insurance options by phone, text, or email. This is not an application for coverage, and coverage is not bound until confirmed in writing. See our privacy policy.