Come back often for all the latest insurance news updates.
Updated December 2025
How Can You Save Money on Business Insurance in 2025?
Running a business in 2025 means balancing rising costs, evolving risks, and tighter margins. Whether you’re investing in new equipment, expanding your team, or adopting new technology, value matters—and that includes your business insurance.
Coronavirus Updates - Office Closures and Accessibility
COVID-19 is presenting historic challenges for all citizens of the world and we are here ready to help. While executive actions have been taken to reduce the spread of the virus, we understand that this has directly impacted the individuals and businesses who have placed their trust in Top O' Michigan.
Agency of the Month
LOOKING FOR NEW BUSINESS
Northern Michigan agency turns its sights southward
By Jenny Berner
Updated December 2025
How Michigan Auto Insurance Reform Affects Policyholders Today
Michigan’s auto insurance reform was one of the most significant changes to the state’s no-fault system in nearly 50 years. While much of the original legislation took effect in 2020, the real-world impact has continued to evolve as insurers, regulators, and courts clarified how the law applies to everyday ...
Updated December 2025
Life Changes Fast—Your Insurance Should Keep Up
Think about the last show you binge-watched. Each season brought new twists, unexpected challenges, and major character growth. Unlike TV, real life doesn’t follow a script—and that’s exactly why your insurance coverage shouldn’t stay static.
Updated December 2025
Michigan Auto Insurance Reform: What It Means for Drivers in 2025
Michigan’s auto insurance landscape permanently changed when lawmakers passed historic No-Fault Auto Insurance Reform—the first major overhaul since the original law took effect in 1973. While the bill was signed into law in 2019 and officially implemented in 2020, many of its long-term impacts are still ...
Updated December 2025
How Much Disability Insurance Do You Really Need in 2025?
Most people insure their home, their car, and even their phone—but forget to insure the one thing that pays for everything: their income. May is still recognized as Disability Insurance Awareness Month, making it the perfect time to talk about how you protect your ability to earn ...
Updated December 2025
The Danger of Buying Insurance Based on Price Alone (2025 Edition)
Insurance is one of those things you hope you never need—but when you do, it becomes one of the most important financial decisions you’ve ever made. Auto, home, and business insurance exist to protect you from major financial loss due to accidents, fire, theft, lawsuits, injury, ...
Updated December 2025
Winter Roof Safety: Prevent Damage from Snow and Ice in 2025
Michigan winters are beautiful—but heavy snow, ice, and fluctuating temperatures can put serious stress on your home or commercial building. In 2025, with climate patterns bringing more intense snow events, it’s more important than ever to prepare your property and reduce the risk of damage from ...
Updated December 2025
Alpena
514 N Ripley Blvd
Alpena, MI 49707
Local: (989) 356-6133
Hillman
150 State St
Hillman, MI 49746
Local: (989) 742-4574
Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684
Local: (231) 947-1164
Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935
Local: (906) 265-5137
Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770
Local: (231) 347-4610
Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401
Local: (989) 705-8664
Oscoda
PO Box 39
Oscoda, MI 48750-0039
Local: (989) 739-1461
