
Local Sterling Heights, Michigan insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and umbrella insurance in Sterling Heights, Michigan
Sterling Heights is Michigan's fourth-largest city, a Macomb County suburb along the Clinton River with family neighborhoods, Dodge Park, and a large auto and defense manufacturing base.
Homeowners insurance and basements
Heavy summer storms can overwhelm sewers and flood finished basements, as the 2014 and 2021 storms showed across metro Detroit. We shop homeowners coverage and add water backup coverage.
Clinton River flooding
Homes near the Clinton River can flood, and a standard policy does not cover it. We quote flood insurance separately.
Families and no-fault auto
We write no-fault auto insurance and explain your PIP choices, plus umbrella coverage for families with teen drivers.
Your insurance team for Sterling Heights, Michigan
We work with Sterling Heights households and business owners, and also serve nearby Warren, Troy, Shelby Township, and Utica, along with communities across Michigan.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.


"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance


Your trusted insurance advisor in Sterling Heights, Michigan providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Sterling Heights, Michigan.








