Michigan requires all drivers to carry no-fault insurance, which includes personal injury protection, property protection, and liability coverage. We help Lapeer residents navigate these complex laws and choose the right level of protection. With so many changes in Michigan auto insurance laws, it’s important to work with a local agent who can explain your options. We’ll help ensure you’re compliant and well-covered.

It’s not required by law, but if you have a mortgage, your lender will require it. Homeowners insurance protects against fire, storms, theft, and liability—common risks in Michigan. We help Lapeer homeowners tailor policies to local risks like winter damage, windstorms, and tree-related claims. You can also add endorsements for things like sump pump failure or service line damage.

Even basic renters insurance provides valuable protection for just a few dollars a month. It covers personal property, liability, and loss of use if your rental becomes uninhabitable. We work with Lapeer renters in apartment buildings, duplexes, and rental homes to make sure their coverage matches their lifestyle. Most landlords require it—and we make it simple.

Yes, and it’s one of the easiest ways to save. Bundling your policies often leads to better pricing, fewer gaps in coverage, and easier management. We’ll compare rates across multiple top carriers so you can keep your protection local and your costs low. Many of our clients in Lapeer save hundreds annually with bundled policies.

Umbrella insurance adds additional liability protection on top of your other policies. It’s especially useful if you own a home, have teen drivers, or host guests frequently. We recommend it for many Lapeer families who want peace of mind and added financial security. It’s a low-cost way to protect your savings and assets from big claims.