Born in the Tri-Valley
Oram Insurance was founded with a simple belief: families and businesses in our community deserve an insurance agent who actually works for them — not for the insurance company.
Our story
After years of watching friends and neighbors overpay for insurance — or worse, discover gaps in their coverage after a claim — we knew there had to be a better way.
As an independent agency, Oram Insurance isn't tied to any single carrier. We shop your policy across 35+ A-rated companies to find the right coverage at the right price. When you have a claim, we advocate on your behalf.
Based right here in the Tri-Valley, we're proud to serve the communities of Dublin, Livermore, Pleasanton, San Ramon, Danville, and the greater East Bay.
Founded in the Tri-Valley
Why choose an independent agency?
Working with Oram means having an advocate who puts your interests first — always.
Independent
We're not tied to any single carrier. We shop your policy across 35+ top-rated companies to find you the best deal.
Local
We live and work in the Tri-Valley. When you call, you talk to a neighbor who knows your community.
Transparent
No hidden fees. No confusing jargon. We explain your options clearly so you can make the best decision for your family.
Fast
Get quotes in minutes, not days. We leverage technology and carrier relationships to move quickly without cutting corners.
Our carrier partners
We partner with top-rated carriers to bring you the best coverage options at competitive prices.
Meet the team
Your local insurance professionals, dedicated to protecting what matters most to you.
Areas We Serve
California Regions
Interactive Map by Zip Code
Your Dedicated Team
Michael Oram
Founder & Lead Agent
Sarah Chen
Senior Account Manager
David Park
Commercial Lines Specialist
Lisa Torres
Client Services Manager
Let's find your perfect policy
Get a free quote and see how much you could save with a local independent agency on your side.