Personal & Commercial Insurance Policies

Sam Heron Insurance Agency, Inc. carries a variety of insurance policies for all of your needs. Based in Lapeer, Michigan, we provide coverage for your home, vehicle, business, and also life.


Get the home protection you need at a price that perfectly fits your budget with one of our home insurance policies, tailored around your needs and type of home. We even have insurance plans for farms and country estates. 

Whether you are renting an apartment, need to insure a vacant house, or are a new homeowner, we have the perfect insurance policy to fit your needs. Our home insurance policies include: 

• Renter’s Insurance • Dwelling/Fire Insurance • Condo Insurance • Mobilehome Insurance


When accidents happen on the road, we have you covered. Whether your car is a classic, antique, or modern, we carry policies to ensure your vehicle is protected.

Coverage options are also available for toys such as snowmobiles, plus watercraft like motorboats and yachts. We offer high-risk insurance with either full coverage or liability only for:

• Auto • Motorcycle • Toys • Watercraft


Make sure your business and employees are protected while they're at work. With our customizable insurance policies, we are able to offer the perfect level of coverage at prices that your business can afford. We specialize in Small Business, Start-ups, and Contractors. We offer policies including:

• General Liability • Workman’s Compensation • Commercial Auto


Secure your legacy with a life insurance policy. We carry coverage for term, whole, and universal life insurance, which depends on your needs, pre-existing conditions, and age.

If you want to accumulate a cash flow over the course of your life, choose a whole life policy. For a set period of coverage, we have term coverage that can be converted to whole.

File A Claim

If you should have a claim to file during business hours, please don’t hesitate to call our office. Our agents can handle your claim personally so you that you don't have to call an 800 number. If you wish to file it directly with the company, please call the number below for your specific company:

Pioneer: 1-800-837-7674
Fremont: 1-800-550-0325
Progressive: 1-800-PROGRESSIVE

If you should need assistance with getting an estimate to repair the damage, we can recommend a few select, top-rated restoration companies that we have worked with for your convenience. You can also call to get an estimate on your own, whichever you prefer. That's the ease of doing business with us, we're here when you need us! Also, we'll see to it that your claim is taken care of promptly and paid fairly, and if there is anything we can do to help resolve a dispute between you and an adjuster, please let us know.

Business Man - Insurance Policies
Petplan Pet Insurance
Fire - Insurance Policies

Contact us to protect yourself and your assets with one of our secure insurance policies.

Independent Insurance Agent Logo - Independent Agency

 Pioneer State Mutual Logo - Independent Agency

Progressive Logo - Independent Agency


 Fremont Insurance