Good, honest protection for our neighbors

An independent agency, working for you

Unlike captive agents who only sell one company's products, we work with multiple insurance carriers. That means we can compare options across several companies to find you the best combination of coverage and price — we work for you, not the insurance company. When your rate drifts or your life changes, we re-shop the market instead of hoping you won't notice.

We offer personal and commercial insurance including home, auto, farm, renters, business owners policies (BOP), and umbrella/excess liability coverage. Not sure what you need? Just ask — we'll walk you through it.

Local agents. Farmers, too.

Madison Schapman is your agent — and like a lot of our clients, we're farmers and small business owners ourselves. When you tell us about your barn, your equipment, your livestock, or the shop you've built, you won't have to translate. That firsthand understanding is why farm families and business owners across Lapeer County trust us with the coverage that protects their livelihood.

It also shapes how we work: plain language instead of jargon, straight answers instead of upselling, and a real person to call when something goes wrong. Insurance is a promise, and promises mean more when they come from a neighbor you can actually find.

Why a local agent beats buying online

Online insurance is convenient, but it can't review your situation and flag gaps in coverage — a local agent can. We catch things like underinsured homes, missing umbrella coverage, or farm risks that online tools miss entirely. And when something goes wrong, you have a real person in your corner.

Who we serve

We're based in Dryden, Michigan and primarily serve Lapeer County — including Imlay City, Almont, Metamora, Lapeer, and the surrounding rural communities. We're happy to help clients throughout Michigan.

Stop by the office at 5481 Main St, Dryden, MI48428, call or text (810) 305-2794, or emailmadison@schapmaninsurance.com. We're in Monday through Friday, 8:30 AM to 5:00 PM, and Saturdays by appointment.