Farm Insurance in Lapeer County, MI

Insurance from people who actually farm

If you're farming in Lapeer County, you already know that one bad season — a hailstorm, an equipment breakdown, a barn fire — can set an operation back years. What we've learned talking with farm owners around Dryden, Imlay City, Almont, and Metamora is that many are either underinsured or carrying coverage that no longer matches what they own and operate today.

We're farmers ourselves, so this isn't abstract to us. When you tell us about your operation, you won't have to explain what a tillage pass is or why your equipment values changed after last year's upgrade. We speak the language, and we build coverage around the operation you actually run.

One policy for the house and the operation

A farm owners policy covers your dwelling and farm structures — barns, grain bins, machine sheds, outbuildings — against fire, wind, hail, lightning, and other covered perils, alongside your farm personal property: tractors, combines, and the rest of the machinery line. Livestock can be covered for death from covered perils, stored grain and feed up to set limits, and farm liability protects you if a neighbor, hired hand, or farm stand customer is injured on your property.

Just as important is what's often not covered without an endorsement: mechanical breakdown of equipment, hired and non-owned auto exposure when employees drive their own vehicles for farm business, agritourism events, and workers' compensation — where Michigan has specific rules about farm labor. We'll walk through each of these so nothing is left to assumption.

Built for Lapeer County operations

Our area is a mix of row crop operations, livestock farms, hobby farms, and everything in between. A carrier that's great for a 500-acre cash grain farm may be the wrong fit for a diversified 40-acre family farm with a farm stand. As an independent agency we work with multiple carriers, which means we shop the market for your specific operation — not just the closest thing available from one company.

When did you last review your farm coverage?

Equipment values change, buildings go up, herds grow. If your farm coverage hasn't been looked at in the last couple of years — especially if you've added land, equipment, or livestock — a policy review costs nothing and can save you from an expensive surprise. Call or text (810) 305-2794 or email madison@schapmaninsurance.com. We're local, we understand farming, and we'll give you a straight answer.