Independent insurance for Lapeer and Lapeer County

What we write for Lapeer families

• Auto insurance — Michigan No-Fault explained, with PIP options that work for Lapeer drivers. Multi-vehicle households, teen drivers, the after-claim re-shop most agencies skip.
• Home insurance — homes throughout the City of Lapeer (48446), Lapeer Township, Mayfield Township, and the surrounding rural areas. We know the carriers that underwrite Lapeer County well.
• Rural property and acreage — Lapeer County is a mix of small-town and large rural properties. We have carriers that handle homes on acreage, hobby farms, and properties with significant outbuildings.
• Boat, jet ski, and pontoon — Lapeer County's 159 lakes include Nepessing Lake (in Elba Township), Lake Pleasant, Bow Lake, Devils Lake, and many others. Multiple recreational specialists available.
• Classic and collector car — we're a Hagerty agency.
• Motorcycle, RV, and ATV — recreational coverage.
• Life insurance — term, whole, and universal life.
• Umbrella — extra liability over your auto and home.
• Flood, condo, renters, mobile home, pet — and anything else you need.

For Lapeer business owners

From downtown Lapeer professionals on the Courthouse square to contractors working throughout Lapeer County, we write commercial coverage through 20+ markets:

• General liability and commercial property
• Workers compensation with audit and Mod support
• Commercial auto for service vehicles and fleets
• Business owners policies (BOP) for retail, restaurants, professional offices
• Contractor coverage — builders, HVAC, electrical, plumbing
• Agribusiness for the rural Lapeer County properties
• Professional liability, errors & omissions
• Cyber liability
• Surety bonds and builders risk

Why Lapeer residents choose an independent agent

Captive agents (State Farm, Allstate, Farmers) sell only their one company's products. As an independent agency we represent 20+ carriers including Michigan-based Citizens, Frankenmuth, Wolverine Mutual, Michigan Millers, plus national A-rated names like The Hartford, Liberty Mutual, Hanover, Hagerty, and Hiscox. We shop your coverage every renewal and switch you to whoever offers the best value at the time.

Areas we serve around Lapeer

• City of Lapeer (48446)
• Lapeer Township
• Mayfield Township
• Elba Township (Nepessing Lake)
• Metamora (48455)
• Imlay City (48444)
• Columbiaville (48421)
• Almont (48003)
• Hadley
• Dryden

Common questions from Lapeer clients

Is your office in Lapeer?

No — we're in Lake Orion, about 35 minutes south. But we're licensed throughout Michigan and most of our work is done by phone, email, and online, so distance doesn't matter. We have many long-time Lapeer clients we've never met in person.

Do you write boat insurance for Nepessing Lake?

Yes — and the rest of Lapeer County's 159 lakes. Boats, jet skis, pontoons, fishing boats, personal watercraft — we have multiple recreational-watercraft carriers and can quote any of them.

I have a hobby farm in Lapeer County — is that different from a regular homeowners policy?

Yes. Hobby-farm coverage is a specialty product that handles outbuildings, livestock, and farm equipment that standard homeowners policies exclude. We have carriers that specialize in this for Lapeer County's many small farms.

Prefer to talk? Call us at (248) 693-6455, Monday-Friday 9am-5pm.