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Insurance in Petoskey, Michigan
Top O' Michigan has been locally owned and independent since 1974. From our office on Bay View Rd, our Petoskey agents shop home, auto, boat and business coverage across our full carrier panel — and you can still walk in and talk to a real person.
Visit our Petoskey office
1170 Bay View Rd, Ste B, Petoskey, MI 49770. Open Monday through Friday, 8:00 a.m. to 5:00 p.m. Call the office directly at (231) 347-4610, or reach our main line at (800) 686-8664.
Get directionsAreas we serve from Petoskey
Our Petoskey agents serve Emmet, Charlevoix, Cheboygan and Antrim counties, along with Harbor Springs, Bay Harbor, Boyne City, Boyne Falls, Charlevoix, East Jordan, Alanson, Pellston, Conway, Walloon Lake, Indian River and Mackinaw City. Top O' Michigan is licensed in Michigan.
Coverage built around Little Traverse Bay
Petoskey property comes with its own questions. A second home in Bay Harbor or Harbor Springs that sits empty from October to May. A boat that spends the season on Little Traverse Bay. A contractor booked solid on lakefront builds through a short season. Seasonal vacancy, higher replacement values and shoreline exposure are things a primary-residence policy is not always built to handle. Our agents live here, and we will talk through how the property is actually used before we shop it. All coverage is subject to underwriting.
Meet your Petoskey agent
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Petoskey insurance questions
Does Top O' Michigan have an insurance office in Petoskey?
Yes. Our Petoskey office is at 1170 Bay View Rd, Ste B, Petoskey, MI 49770, open Monday through Friday, 8:00 a.m. to 5:00 p.m. You can reach the office at (231) 347-4610 or call our main line at (800) 686-8664.
What kinds of insurance can I get in Petoskey?
Our Petoskey 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, second home and seasonal property, umbrella, life, health, Medicare and pet. On the commercial side we handle business owners policies, workers' compensation, commercial auto, contractors, builders risk, surety bonds, cyber, employee benefits, and coverage for restaurants, hotels and resorts. 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.
Can you insure a second home or seasonal property near Petoskey?
Seasonal and second homes raise questions a primary-residence policy may not address, including long stretches when the home sits vacant. We can review how the property is used and discuss the options available. Coverage is subject to underwriting; contact an agent to review your property.
Which areas near Petoskey does this office serve?
Our Petoskey office serves Emmet, Charlevoix, Cheboygan and Antrim counties. That includes Harbor Springs, Bay Harbor, Boyne City, Boyne Falls, Charlevoix, East Jordan, Alanson, Pellston, Conway, Walloon Lake, Cross Village, Indian River, Cheboygan and Mackinaw City. Top O' Michigan is licensed in Michigan.
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Talk with a Petoskey agent
Tell us about your home, your boat, or your business and we will shop the market for you. No obligation.