The Lapeer Agency

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The Lapeer Agency Providing exceptional personal and commercial insurance products and service to our customers, based in Lapeer, Michigan. At the Depot!

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and...
10/20/2026

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. This increased activity can pose serious risks to drivers, and hitting a deer can be a distressing and upsetting experience.

With that in mind, our team wants to share a few reminders to help keep you and your passengers safe this season and navigate the aftermath of striking a deer. Swipe for more.

If you're not sure what your current policy includes or would like to review your coverage this fall, feel free to reach out. Our team would be happy to answer your questions and help you understand your options.

From October 15th through December 7th, Medicare beneficiaries can review their coverage and make changes for 2027 durin...
10/20/2026

From October 15th through December 7th, Medicare beneficiaries can review their coverage and make changes for 2027 during the Medicare Annual Enrollment Period (AEP). During this time, Medicare beneficiaries can:

✅ Switch from Original Medicare to a Medicare Advantage plan, or vice versa.
✅ Change from one Medicare Advantage plan to another.
✅ Add, change, or drop Medicare Part D prescription drug coverage.

This is also a good time to assess whether your current plan still meets your needs. Costs, covered medications, provider networks, pharmacies, and plan benefits can change from year to year, so even if you were happy with your coverage last year, it's worth taking a fresh look.

If you have any questions about your current plan, please don't hesitate to reach out to our team. We are here to be a resource for you.

As of 2026, nearly 35 million eligible Medicare beneficiaries are enrolled in a Medicare Advantage plan, underscoring th...
10/15/2026

As of 2026, nearly 35 million eligible Medicare beneficiaries are enrolled in a Medicare Advantage plan, underscoring that Medicare Advantage remains a popular choice among beneficiaries. So, to help you fully understand your options, we wanted to share a breakdown of key features of Medicare Advantage. Swipe for more information.

If you have questions about Medicare Advantage, please don't hesitate to reach out to our team. We are here to help.

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough ...
10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

Understanding Medicare is one thing, but knowing how to make the most of your benefits is another. If you're enrolled in...
10/06/2026

Understanding Medicare is one thing, but knowing how to make the most of your benefits is another. If you're enrolled in Medicare or preparing to use your coverage for the first time, swipe through for some important ways to maximize your benefits and avoid common mistakes.

If you have questions about your Medicare coverage or would like help reviewing your options, contact us today. We're here to help you make confident, informed Medicare decisions.

Life has a way of moving quickly, and certain changes, whether expected or not, can affect your health insurance coverag...
09/28/2026

Life has a way of moving quickly, and certain changes, whether expected or not, can affect your health insurance coverage in ways that aren't always obvious at the moment.

Some life events trigger a Special Enrollment Period, a 60-day window before or after the event during which you can enroll in or update your coverage outside the standard Open Enrollment Period. If any of the following have happened in your household over the past year, it may be worth a conversation:

🔵Getting married, divorced, or welcoming a new child into your family
🔵Moving to a new ZIP code, county, or state
🔵Turning 26 and coming off a parent's plan, or losing job-based coverage
🔵Changes in your income or household size
🔵Turning 65 and becoming eligible for Medicare, or becoming a U.S. citizen

If anything on that list sounds familiar, we'd love to connect to see how we can help you during a Special Enrollment Period. Give our team a call, and we can get started.

After-school activities can be a rush of spending time with friends, attending clubs or sports, and students making thei...
09/23/2026

After-school activities can be a rush of spending time with friends, attending clubs or sports, and students making their way home. Reviewing a few key safety tips before your students leave school can help keep them safe and everyone on the same page.

🔵Set up a check-in routine, so your children contact you as soon as they arrive home. A family locator app or a GPS tracker on their backpack can also give you real-time peace of mind on their route home.

🔵If your child will be home alone, establish clear rules about locking the door, who is allowed to visit, and what to do if someone unexpected shows up.

🔵Talk through internet safety with your child, reminding them never to share personal information, including their name, address, or school, with anyone online.

🔵Make sure your child knows what to do in an emergency. That means knowing where to shelter during severe weather, where to meet outside in the event of a fire, and who to call if they need immediate help.

🔵If your child walks or bikes home, review the route together and make sure they know to avoid shortcuts through unfamiliar or secluded areas and to never accept a ride from someone they do not know.

We hope you find these after-school safety tips helpful for you and your student this school year.

As a reminder, if you need anything this school year, do not hesitate to reach out to our team. We are here to support you.

Back-to-school season presents a good opportunity to ensure your kids are equipped with the habits and knowledge to stay...
09/16/2026

Back-to-school season presents a good opportunity to ensure your kids are equipped with the habits and knowledge to stay safe throughout the school day. Here are some helpful tips to keep in mind:

🔵Make sure your children know their full names, your phone number, home addresses, and how to reach a trusted adult. A laminated safety card kept in their backpack with this info, plus any medical conditions, can be a good addition.

🔵Teach and reinforce proper hand-washing, and remind them not to share food or drink. These simple habits go a long way toward keeping illnesses from spreading through the classroom.

🔵A backpack should weigh no more than 15% of your child's body weight, and both straps should always be used to evenly distribute the load on your child’s back. An overstuffed bag can cause real strain over time.

🔵Talk with your child about bullying — how to recognize it, how to report it, and who their designated trusted adult at school is if they ever feel unsafe or need help.

🔵 Avoid putting your child's first name on the outside of backpacks or lunch boxes; initials or names on the inside are a safer option for labeling belongings.

At-school safety is a collective effort, and taking precautions for your students can help keep students across your community safe.

As always, if you have questions or other needs this school year, give us a call. We are here for you.

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. S...
09/07/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting ther...
09/01/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

Address

145 E. Nepessing
Lapeer, MI
48446

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+18106642966

Website

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