Osentoski Insurance Agency LLC

Osentoski Insurance Agency LLC If our agency is not servicing all your insurance needs, you're probably paying too much!!!

Auto insurance, homeowners insurance, business/commercial insurance, we have you covered. With options and solid information we can help you decide on the right options for those people and possessions that are important to you, including your very important budget. With superior quality products, services and support, our agency and you, it's a perfect fit.

If you're gearing up for winter adventures with your snowmobile, UTV, or snowbike, don’t forget one essential piece of e...
11/13/2025

If you're gearing up for winter adventures with your snowmobile, UTV, or snowbike, don’t forget one essential piece of equipment — insurance. Here’s a quick breakdown of the most important protections to consider:

✅Liability Coverage - Covers injuries or property damage to someone else’s belongings that you may cause. Often required on public trails or parks.
✅Collision Coverage - Helps pay for repairs to your vehicle if you hit another vehicle, object, or obstacle on the trail.
✅Comprehensive Coverage - Protects against theft, fire, vandalism, weather damage, and wildlife encounters.
✅Medical Payments Coverage - Covers medical costs for you and your passengers, regardless of fault.
✅Accessories and Gear Protection - Add-on coverage for custom parts, gear, and personal items.

Keep in mind that most homeowners insurance policies won’t cover off-road vehicles once they leave your property.

Contact us for a quote or to discuss starting your policy. We’ll help you find the right protection for all your winter toys.

On this Veterans Day, we’re taking a moment to reflect and say thank you. To all who have served and to the families who...
11/11/2025

On this Veterans Day, we’re taking a moment to reflect and say thank you. To all who have served and to the families who support them: your sacrifice, strength, and dedication mean more than words can express.

It’s easy to get caught up in the day-to-day, but today reminds us to slow down and recognize the everyday heroes who walk among us. If you’re a veteran or have one in your life, we hope today brings you the appreciation you so deeply deserve. Thank you for your service.

Please note that our office is closed on November 11th in observance of the holiday. We’ll be back on Wednesday, November 12th, ready to respond to any messages received during our absence.

Halloween is here — and for many parents and caregivers, it’s the spookiest day of the year (and not because of ghosts!)...
10/31/2025

Halloween is here — and for many parents and caregivers, it’s the spookiest day of the year (and not because of ghosts!).

Combine:

🧃 12 parts sugar
⚡ 4 parts overexcitement
😅 2 parts “I AM calm!”

Mix it all together, and you’ve got one powerful Halloween brew. The good news? The spell breaks at midnight, and the family memories last forever.

Wishing all caregivers a magical, sugar-filled day … and maybe a secret candy stash just for you.

Happy Halloween from our team!

Don’t forget to fall back this weekend!Daylight Saving Time ends this Sunday, November 2nd, so be sure to turn any non-s...
10/30/2025

Don’t forget to fall back this weekend!

Daylight Saving Time ends this Sunday, November 2nd, so be sure to turn any non-self-setting clocks back one hour before bed on Saturday night.

While you're at it, it’s a smart time to check off a few other seasonal to-dos:

✅ Replace the batteries in your smoke detectors.
✅ Adjust your thermostat for cooler evenings.
✅ Double-check your security lights or timers.

A few simple steps now can help keep your home safe and comfortable as we head into the holiday season. As always, if there’s anything we can do for you, just let us know!

When it comes to car insurance, knowing the basics can make a big difference. Whether you’re looking into a new policy, ...
10/22/2025

When it comes to car insurance, knowing the basics can make a big difference. Whether you’re looking into a new policy, filing a claim, or just reviewing your current coverage, understanding key terms can help you make more informed and confident decisions. Swipe through for a few terms every driver should know.

Not sure if your current policy checks all the boxes? Contact us today to review your auto coverage or get answers to any questions you have. We're here to help!

Did you know that deer-related vehicle collisions cause over $1 billion in damages each year, with the average repair ex...
10/14/2025

Did you know that deer-related vehicle collisions cause over $1 billion in damages each year, with the average repair exceeding $3,000? As deer activity peaks from October to December, a few simple precautions can make all the difference on the road. Swipe to learn more.

Have questions about what’s covered in the event of a deer collision or your auto insurance in general? Reach out — we’re here to help.

Fall is a favorite season for many, but it also brings seasonal risks. Whether you’re prepping your home or hitting the ...
10/06/2025

Fall is a favorite season for many, but it also brings seasonal risks. Whether you’re prepping your home or hitting the road, a few safety checks can go a long way. Swipe through for some fall safety tips to help protect what matters most.

Need help reviewing your homeowners or auto coverage this fall? Contact us today to get started.

Did you know nearly half of all car seats are used incorrectly? According to the National Highway Traffic Safety Adminis...
09/24/2025

Did you know nearly half of all car seats are used incorrectly? According to the National Highway Traffic Safety Administration, 46% of car seats are misused in a way that can compromise the child’s safety.

As we recognize Child Passenger Safety Week (September 21–27), it’s a great time to double-check your setup. Here are a few quick tips:

✅ Use the right seat for your child’s age, height, and weight
✅ Make sure the seat is tightly secured — less than one inch of movement at the base
✅ Keep straps flat and snug, with the chest clip at armpit level
✅ Visit a certified technician for a safety inspection if you’re unsure

Your child’s safety is worth a second look. Share this post with a fellow parent or caregiver who might find it helpful.

And as always, if you have questions about your auto coverage or want to ensure you’re fully protected on the road, we’re here to help. Give us a call anytime!

Today, we pause to remember the lives lost on September 11 and to honor the courage of the first responders and heroes w...
09/11/2025

Today, we pause to remember the lives lost on September 11 and to honor the courage of the first responders and heroes who answered the call. Patriot Day is a day of reflection and a reminder of the strength and resilience that can emerge from hardship.

From our families to yours, we wish you a safe, relaxing Labor Day weekend!Please note: Our office will be closed on Fri...
08/29/2025

From our families to yours, we wish you a safe, relaxing Labor Day weekend!

Please note: Our office will be closed on Friday August 29th and Monday, September 1st, and will reopen on Tuesday, September 2nd.

Enjoy the long weekend!

Dealing with unexpected damage or loss can be overwhelming — but the insurance claims process doesn’t have to be. Swipe ...
08/20/2025

Dealing with unexpected damage or loss can be overwhelming — but the insurance claims process doesn’t have to be. Swipe through for a general overview of what to expect and how to navigate it smoothly.

If you ever need to file a claim or just want help understanding your policy, contact our team today. We’re here to support you every step of the way.

As the school year kicks off, it’s a great time to review whether your college-bound student needs renters insurance — a...
08/07/2025

As the school year kicks off, it’s a great time to review whether your college-bound student needs renters insurance — and what other coverage might be worth considering. Swipe through for a quick overview.

Have questions or need help reviewing your policies? Contact us today!

Address

340 W Nepessing Street
Lapeer, MI
48446

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18106646980

Website

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