55+ years local
"The greatest compliment I can receive is a referral from friends and family."
We're independent — meaning we place your policy with the carrier that actually fits, not just the one we're stuck selling.
Liability, full coverage, and multi-car discounts.
Homeowners and mobile home coverage.
Bikes, RVs, and seasonal vehicles.
Commercial vehicle coverage.
CNA surety bonds for contractors and business.
Antique and classic car coverage via Hagerty.
All Risk Insurance and Thomas Spence Insurance have combined to form Roby All Risk Insurance Agency, Inc. With more than 55 years of experience combined, Roby All Risk Insurance Agency compares rates across multiple carriers to find real coverage at a fair price — no captive-agent script, no single-carrier ceiling.
Stop by whichever is closest — same agency, same carriers, same team standing behind your policy.
"I called over 20 insurance companies. Roby and his team took care of everything and answered every question — over 20 years in the business and it shows."— Google review, Flint location
Tell us what you're insuring — we'll compare carriers and get back to you.
Start my quote"The greatest compliment I can receive is a referral from friends and family."