• Welcome to the Tom Holmes State Farm Agency

  Fall: Ready Protection for Every Day Life

  As the air turns crisp and the season changes, it’s a great time to take a fresh look at what keeps your family protected. From back-to-school routines and fall road trips to home maintenance and everything in between, autumn brings plenty of opportunities—and a few unexpected moments along the way.

  At the Tom Holmes State Farm Agency, we’re grateful for the chance to help you secure the financial protection your family deserves. This fall, let’s work together to make sure you’re supported through every season of life.

  Dedicated Guidance, Built on Experience

  At the Tom Holmes State Farm Agency, we recognize the hard work and dedication you’ve invested in building your life. Life is full of surprises, and everyone deserves knowing they’re prepared for the unexpected. Our mission is to help you manage everyday risks with confidence.

  With over four decades of experience as a licensed agent in the Troy, Royal Oak, and Clawson areas, I have the expertise to guide you through the complexities of insurance. Our office is conveniently located in Troy just east of Livernois Rd, and we’re committed to serving the community with coverage that fits your unique needs.

  Coverage That Matches Your Lifestyle

  Together with my dedicated team, we take the time to understand your lifestyle and priorities—so your coverage aligns with what matters most. Whether you need help with home, auto, renters, or life insurance, we’re here to simplify the process and make sure you’re getting the right fit. We also spend significant time supporting our policyholders with home and auto insurance needs, especially in light of the 2020 Michigan No-Fault Auto Insurance Reform.

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. In Troy, you can count on Tom for personalized service.

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. Tom is here to help your Troy household feel covered.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Looking for coverage? Talk with Tom about your options in Troy.

Q: Do you need to carry insurance on your home?

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. Tom, your local State Farm agent in Troy, MI, is here to help.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. Tom is proud to serve the Troy community.

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. Serving Troy and the surrounding area, Tom can help answer your questions.