After a storm, the agent who picks up the phone and knows your policy is worth more than the cheapest premium. We pulled every insurance agency Google lists in Lapeer, MI, checked which ones actually have an address in town, read their reviews, and went through their websites to build this list.
How we chose this list: Insurance agencies are sorted by Google rating weighted by review count. Companies based in Lapeer come first. This list is updated for 2026.
Quick Comparison
| # | Company | Rating | Reviews | Phone |
|---|---|---|---|---|
| 1 | Your Local Medicare Help | ★★★★★5.0 | 343 | (877) 438-9564 |
| 2 | Schank Insurance Agency - Farm Bureau Insurance | ★★★★★5.0 | 15 | (810) 356-3114 |
| 3 | Michelle Belesky - State Farm Insurance Agent | ★★★★★5.0 | 13 | (810) 664-1711 |
| 4 | Beasley Insurance Agency | ★★★★★4.9 | 16 | (810) 660-7725 |
| 5 | Nustar Insurance | ★★★★★4.8 | 24 | (810) 667-4557 |
| 6 | Sweeten Insurance Solutions | ★★★★★5.0 | 5 | (810) 356-6404 |
| 7 | Whitney Insurance Agency | ★★★★★4.6 | 50 | (810) 969-4511 |
Your Local Medicare Help
Address: 700 S Main St Suite 111, Lapeer, MI 48446
Phone: (877) 438-9564
Website: yourlocalmedicarehelp.com
Medicare is the focus at Your Local Medicare Help, an agency in Lapeer that serves residents of the city and surrounding areas. Its website lays out the range of Medicare Supplement plans and the parts of Medicare. The site also mentions home, auto, life and business coverage. Reviewers mention that plans were matched to their doctors, medications and health history, and that a confusing process was made clear and easy. Others describe honest answers, no pressure, and time to evaluate options before a second meeting. Some reviewers say they have already sent friends and family to the office. If you are getting ready to sign up for Medicare, this is a good first call.
What stands out:
- Medicare Supplement Plans F, G and N
- High deductible Plan F and Plan G options
- Explains Medicare Part A and Part B
- Website mentions licensing and free quotes
- Reviewers mention follow-up on benefit cards after enrollment
Schank Insurance Agency - Farm Bureau Insurance
This Farm Bureau Insurance office in Lapeer serves individuals, families and businesses across Lapeer County and nearby communities. It is part of the Michigan Farm Bureau Family of Companies. Home coverage on the site includes homeowners, renters, condo and mobile home policies, along with Lake Estate and Country Estate options. Auto lines include personal, specialty and recreation coverage. Reviewers mention saving money after switching and getting more coverage than their previous insurer at a lower price. Others describe a clear walk through payment options and eligible discounts before making a decision, along with quick quotes and steady communication throughout the process.
What stands out:
- Umbrella, life and business insurance offered
- Commercial and workers compensation coverage
- Farm insurance through Farm Bureau
- Reviewers mention savings on bundled home and auto
Michelle Belesky - State Farm Insurance Agent
Address: 148 W Park St, Lapeer, MI 48446
Phone: (810) 664-1711
Website: insurelapeer.com
In business since: 2003
Since 2003, Michelle Belesky has run a State Farm office serving individuals, families and businesses in Lapeer and the surrounding communities. The office handles auto, car, home and homeowners insurance, among other lines. Reviewers describe a friendly, helpful staff and a smooth move to State Farm from other carriers, including one longtime customer of another company who wanted a local agent. Others mention reasonable pricing and say switching plans was seamless. One reviewer notes that their agent was communicative and clear about every question during the process. Several customers say they look forward to a continued relationship with the office and its team.
What stands out:
- Free quotes for home, life and auto insurance
- Business coverage offered alongside personal lines
- Phone: (810) 664-1711
- Reviewers mention a warm welcome for newcomers to Lapeer
Beasley Insurance Agency
Beasley Insurance Agency has an office in Lapeer, and its web listing points to meemic.com. Reviewers who moved their policies here describe the staff as straight shooters who go out of their way for clients. Several mention very competitive pricing, and one teacher says they feel appreciated and valued as a customer. Others describe prompt, courteous service and quick replies with helpful information. One reviewer mentions getting insurance documents sent to a car dealer after posted business hours so a new car purchase could close. For drivers who want fast answers from a local office, this agency is worth a call.
What stands out:
- Office located in Lapeer
- Auto insurance is a common review topic
- Reviewers mention moving AAA policies to this office
- Reviewers say staff are available when needed
Nustar Insurance
Based in Lapeer, Nustar Insurance handles auto, homeowner's and business coverage. Its website links to Acrisure Great Lakes, which describes work with businesses, families and clients across the Great Lakes region. Reviewers describe friendly, efficient staff who explain coverage clearly and find good deals. One mentions getting new auto and homeowner's policies in place in less than two days. Others say the office keeps coverage up to date and helps add new drivers and vehicles as a household changes. Customers also say they have referred many friends and family members to the agency over the years.
What stands out:
- Office located in Lapeer
- Business insurance listed on its website
- Fremont insurance policies available, per reviewers
- Reviewers mention clients of more than 15 years
Sweeten Insurance Solutions
Sweeten Insurance Solutions is an independent agency in Lapeer where you can talk directly with Aaron Sweeten. With one call, the office compares more than 37 insurance companies on auto, home, life and business policies. The website cites 15+ years of experience. Reviewers mention that the right questions come first, then the quotes, with options explained clearly so coverage fits what is actually needed. Others describe a hardworking approach, strong follow up and follow through, and competitive rates on quality policies. Several reviewers say they would recommend the agency for the low cost and the coverage they received.
What stands out:
- Umbrella coverage and claims help listed
- Free quotes offered
- Licensed in Michigan, per website
- Phone: 810-356-6404
Whitney Insurance Agency
Locally owned and operated, Whitney Insurance Agency is an independent agency in Lapeer offering auto, home, umbrella, life and business insurance. Reviewers mention a staff that is personable, professional, polite and quick to respond. Several have grown from a single renters policy to multiple cars and a house with the agency. One reviewer says the office found coverage for a gooseneck trailer when another company would not. Others describe an ultra-responsive agent who takes initiative and keeps insurance running smoothly. Many customers say they have been with the agency for years and plan to stay.
What stands out:
- Independent agency representing multiple companies
- Website cites 27 years in business
- Open Monday from 8:00 a.m., closed Sunday
- Reviewers mention rate checks to keep premiums down
How We Built This List
- Google reviews and ratings pulled via the Google Places API on 2026-10-23, sorted by rating weighted by review count.
- Location. Companies with an address in Lapeer, MI rank ahead of companies based nearby.
- Michigan producer license, verified on the DIFS lookup.
- Google rating weighted by review count.
- Carriers represented: captive or independent.
- Claims support described on their site.
- Website review for services offered, years in business and any licenses or credentials the company publishes.
Licensing in Michigan: Michigan insurance agents are licensed by the Department of Insurance and Financial Services (DIFS). Captive agents sell one carrier; independent agents quote several. Check the license on the DIFS lookup.
Disclosure: Roofing Army is a roofing company. We do not do this kind of work, we have no business relationship with the companies above, and nobody paid to be listed. We built this list because our customers in Lapeer ask us who to call. Verify licenses and get more than one quote.
Need a Roofer in Lapeer, MI?
We meet adjusters on site for storm claims and document what is actually damaged. A good agent makes that process faster. Roofing Army inspects roofs in Lapeer for free, quotes five options at different price points, and takes no deposit until the job is done.
Comparing roofers? See the best roofing companies in Lapeer. Budgeting? See what a roof replacement costs in Lapeer, with real prices from our published jobs.
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Frequently Asked Questions
Is there an insurance agency based in Lapeer?
Yes. All seven agencies on this list are based in Lapeer: Your Local Medicare Help, Schank Insurance Agency - Farm Bureau Insurance, Michelle Belesky - State Farm Insurance Agent, Beasley Insurance Agency, Nustar Insurance, Sweeten Insurance Solutions and Whitney Insurance Agency. Between them they cover Medicare, home, auto, life and business insurance, so most Lapeer households and businesses can work with a local office.
Does homeowners insurance cover roof replacement in Michigan?
It can. Many homeowners policies cover roof damage from a sudden event, such as wind, hail or a falling tree, but not wear from age or lack of maintenance. What gets paid depends on your policy, your deductible and whether it pays replacement cost or actual cash value. Ask your agent to explain your roof coverage before a storm. When a claim happens, we meet adjusters on site and document what is actually damaged. A good agent makes that process faster.
Captive or independent agent: which is better?
Neither is better for everyone. Michigan insurance agents are licensed by the Department of Insurance and Financial Services (DIFS). Captive agents sell one carrier, like the Farm Bureau and State Farm offices on this list. Independent agents quote several, like Sweeten Insurance Solutions and Whitney Insurance Agency. A captive agent knows one company's products well, while an independent agent can compare prices across carriers. Whichever you choose, check the license on the DIFS lookup.
Does Roofing Army help with insurance claims?
No. Roofing Army does roofing only. We do not sell insurance or file claims for homeowners. What we can do is meet your adjuster on site after a storm and document what is actually damaged on the roof. For the policy and the claim itself, work with a licensed insurance agent like the ones listed above. Roofing Army also inspects roofs for free in Lapeer, which is a good first step if you suspect storm damage.




