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An independent insurance agency that knows Michigan
Top O’ Michigan is a third-generation, locally owned independent agency. We sit down with families and business owners across Michigan, shop the market on your behalf, and stay close long after the policy is signed.
National resources, locally sourced.
Personal insurance
Auto, home, and the things you love — covered by people who live here too.
Get a personal quoteBusiness insurance
From the job site to the storefront — coverage built around how your business actually runs.
Three generations of looking out for Michigan
Local people you know
Real agents in Alpena, Hillman, Traverse City, Petoskey, Gaylord, and Iron River — not a call center.
Independent by design
We represent many carriers and shop the market for you, so your coverage fits you and not the other way around.
National resources, locally sourced
As a Keystone Insurers Group partner we bring big-agency markets and tools to a hometown relationship.
52 years, third generation
Founded in 1974 and still family-run — many clients have worked with the same agent for decades.
Real, local Michigan-based agents.
When you call a Top O’ Michigan office, you’re talking to someone who lives where you live. Our team of local Michigan agents know the carriers and the local quirks that matter for your home and business.
One local agency for everything you need to protect
All coverage is subject to underwriting. Talk to a local agent for a quote built around your situation and needs.
What your Michigan neighbors say
Need to file a claim? We’ll walk you through it.
A claim is stressful enough. See exactly what to do after a loss, find your carrier’s direct claim line, and get started with a local Top O’ Michigan agent on your side from first call to final check.
Six offices across Michigan
Real local agents in six Michigan towns.
Scroll through — each office lights up on the map as you go.
The carriers you trust — shopped for you
As an independent agency we represent a broad panel of regional and national carriers and compare them on your behalf, so you are not stuck with a one-company quote.
Insurance 101 - Videos & Blogs
Plain-English guidance on common questions, coverage, claims, and protecting what you have built in Michigan.
Named Keystone Michigan Partner of the Year
We’re proud to be Keystone’s Michigan Partner of the Year — an honor Top O’ Michigan first earned in 2019 and received again in 2026. It reflects our team’s commitment to growing the right way while staying locally owned. National resources, locally sourced.
About our Keystone partnershipLet's protect what matters to you.
Talk to a local agent who will take the time to understand your needs first.