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Insurance in Gaylord, Michigan
Top O' Michigan has been locally owned and independent since 1974. From our office on W Main St, our Gaylord agents shop home, auto and business coverage across our full carrier panel — and you can still walk in and talk to a real person.
Visit our Gaylord office
440 W Main St, Ste F, Gaylord, MI 49735. Open Monday through Friday, 8:00 a.m. to 5:00 p.m. Call the office directly at (989) 705-8664, or reach our main line at (800) 686-8664.
Get directionsAreas we serve from Gaylord
Our Gaylord agents serve Otsego, Crawford, Montmorency, Cheboygan and Antrim counties, along with Johannesburg, Vanderbilt, Waters, Lewiston, Grayling, Frederic, Wolverine, Indian River, Elmira, Alba, Mancelona and Atlanta. Top O' Michigan is licensed in Michigan.
Coverage built for the snowbelt
Gaylord sits in one of the snowiest corners of Michigan, and that shapes what people ask us about. Roof snow load and ice dams. A pole barn full of sleds and toys. A cabin that sits empty between visits. Contractors trying to get a build closed in before the ground freezes. What a policy actually addresses depends on its terms and the cause of loss, and we would rather read yours with you than have you guess. Our agents shovel the same driveways you do. All coverage is subject to underwriting.
Meet your Gaylord team
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Gaylord insurance questions
Does Top O' Michigan have an insurance office in Gaylord?
Yes. Our Gaylord office is at 440 W Main St, Ste F, Gaylord, MI 49735, open Monday through Friday, 8:00 a.m. to 5:00 p.m. You can reach the office at (989) 705-8664 or call our main line at (800) 686-8664.
What kinds of insurance can I get in Gaylord?
Our Gaylord agents write both personal and commercial lines. On the personal side that includes home, condo and renters, auto and Michigan no-fault, boat and watercraft, flood, umbrella, life, health, Medicare and pet. On the commercial side we handle business owners policies, workers' compensation, commercial auto, contractors, builders risk, cyber, surety bonds, employee benefits, and coverage for campgrounds, RV parks, restaurants and hotels. Don't see what you need? Reach out and we will point you to the right person. Because we are an independent agency, we shop your coverage across multiple carriers. All coverage is subject to underwriting.
Does home insurance in Gaylord cover snow and ice damage?
Gaylord sits in Michigan's snowbelt, and snow load and ice dams are a real concern for local homeowners. What a policy addresses depends on its specific terms and the cause of loss. An agent can walk through your policy with you and explain what applies to your home.
Which areas near Gaylord does this office serve?
Our Gaylord office serves Otsego, Crawford, Montmorency, Cheboygan and Antrim counties. That includes Johannesburg, Vanderbilt, Waters, Lewiston, Grayling, Frederic, Wolverine, Indian River, Elmira, Alba, Mancelona, Atlanta and Onaway. Top O' Michigan is licensed in Michigan.
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Talk with a Gaylord agent
Tell us about your home, your toys, or your business and we will shop the market for you. No obligation.