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Homeowners Insurance

The biggest investment most people will ever make is in their home.  This is where we start our families, enjoy good company, start projects, and never stop making memories.  That's why it makes sense to protect the sizable financial investment you've made in your own home and the people that live in it.

As your independent Michigan insurance agent, our solution providers are eager to help you protect your family and home.  We're your local choice in Michigan to help you understand the best way to insure your home.  

Wherever it is that you hang your hat and call home, a home in a quiet neighborhood, a busy downtown dwelling, or a peaceful country estate, Top O' Michigan Insurance will help you find the right Michigan home insurance policy that fits your needs.

Our TOMIA team is here for you whether you're a first time home-buyer, moving to a new house, or if it is simply time to review your home insurance.  

Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special features you can choose for additional security

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Jewelry, Firearms, Collectibles
  • Recreational Vehicles
  • and More

Contact us today for more information about Homeowners Insurance or fill out our online quote form.

Click here for Frequently Asked Questions

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