Fitzpatrick Gold
Fitzpatrick Gold

A hassle-free Insurance agency providing everything you need, and only what you need

Commercial | Life | Auto | Marine | Personal | Health | Bonds

Fitzpatrick Gold

A hassle-free Insurance agency providing everything you need, and only what you need

Commercial | Life | Auto | Boat | Personal | Health | Bonds

Northern Michigan's Leading Insurance Agency

Look around you – everyone you see needs insurance, but every year it becomes more complicated. How much coverage do you need? Do you have enough? Too little? Is everything up to date?

Established in 1996, Fitzpatrick Insurance is an independent insurance agency with your best interests in mind. We’re dedicated to our customers, not the insurance companies. We’ll help you find the best value for your needs without trying to oversell you.

At Fitzpatrick Insurance, you can expect a listening ear, a straight answer, and no hassle. Our commission-free office keeps your needs – not the sale – at the center of every transaction.

Our Insurance Products

Commercial Insurance


Auto / Car Insurance


Personal Insurance


Boat Insurance


Home Insurance


Fitzpatrick Health Insurance Icon


What Our Customers Say

Don't Just Take Our Word For It,

Jessica Daenzer

Fitzpatrick Insurance Customer


I cannot recommend them enough for your insurance needs! The company is efficient, thorough, and extremely friendly. Michelle has helped my husband and I both for our home and vehicles. She is truly incredible at what she does! We are thankful to have found this agency and look forward to continuing services 😊


Our Insurance Provider Network

We work with only the best carriers and insurance vendors and will pull as many quotes and estimates as we need to ensure you are 100% satisfied. Our partner insurance providers include but are not limited to:

  • Auto-Owners
  • Frankenmuth Mutual
  • Foremost
  • Progressive Insurance
  • Pioneer State Mutual
  • Grange
  • Blue Cross / Blue Shield
  • Hagerty Insurance

A Family Endeavor

Sharon Fitzpatrick and her late husband, Paul, moved to Elk Rapids from New York in the early 1990s. In 1996, she opened her own insurance office in Elk Rapids as part of the Larkin Group. Then, in 2000, she left the group to create Fitzpatrick Insurance – an independent agency focused wholly on the customer. 

As Sharon, moved towards retirement, a new generation stepped in to carry the torch. However, the ethos remains the same.

We operate on a basic principle – to educate and shoot straight. As insurance instruments become increasingly complex, we keep our client’s best interests in mind and strive to help them understand and navigate their options. 

Honesty and proven experience take the hard work out of buying insurance. Want to meet our team and hear more about what sets us apart?

Group Outdoor - Fitzpatrick Insurance Agency