(800) 686-8664    

KEY CobrandWho We Are

As an independent insurance agency, our goal is to assist you in all your insurance needs. We will help you manage and plan for all your potential risks. As professionals, we assess your needs and offer you a variety of insurance products to choose from. 

Service, whether it is in response to an insurance claim or general question, is the most important value we offer you. 

We work hard to build a trusted relationship with our customers. We strive to make you feel both comfortable with and confident in our abilities by acting as your consultant. We want you to have the confidence in us that your parents may have had and that your children will have. We are an organization dedicated to our customers. We seek out the best companies that offer the appropriate coverages at a fair price.

Our History

On February 1, 1974, a group of insurance agents from Northern Michigan formed Top O’ Michigan Insurance.

They set up to represent some of the finest companies in Michigan and service their clients needs through offices located in communities throughout Northern Michigan.

Top O’ Michigan Insurance now has markets, personnel and expertise to service the broad spectrum of insurance needs for all of our clients in the communities we serve. It is our intention to provide quality client-focused service and to exceed the expectations that our clients may have.

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Mio
607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
455 Bay St, Ste C
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664