Here's what our clients have to say

After two years of unpredictable premiums, Top O' Michigan helped us restructure our hotel insurance. We got better coverage and almost a 20% savings, with more stable renewal pricing.

We've been Top O' Michigan customers since 2002 and have rarely needed help with claims. Then the Great Ice Storm of 2025 hit us hard. Samantha, our agent, helped us navigate the process with Citizens Insurance to get us the most accurate claims reimbursement. She helped us find multi-policy discounts and negotiated the lowest rates for our coverage.

Misty is outstanding! She's proactive, responsive, and understands the unique risks of a charter fishing business — making sure I'm fully covered with the right policies at a fair price. Her follow-through gives me peace of mind on the water. Highly recommend!

Misty was amazing at helping me take over financial responsibility for my mother when she became too ill to do so herself. I live in another state, and by the time the mail was forwarded, policies had lapsed. She found a new policy to get immediate coverage. She was very compassionate and helpful during difficult times, and even sent me reminder emails. Highly recommended company, even if you live over 400 miles away!

Colleen has always been quickly responsive and helpful in maintaining our coverages and adjusting our policies as needed. Great company and great customer service. She has taken the time to understand our needs and to advise us on our insurances. Top notch!

I've worked with Misty Livermore at Top O' Michigan for the past 3 years to provide insurance for my business and vehicles. I've been given informative, helpful, and cost-effective advice every step of the way, as well as very fast service whenever needed. I would highly recommend Top O' Michigan Insurance to anyone.

Everything about your agency is right! You don't claim to be the biggest or excessively advertise, which means a lot to a small business owner like me. Always there when there is a hiccup, or to point out savings that can be had. Thank you!

I was recently persuaded to switch providers for my car insurance, and randomly decided to stop in at Top O' Michigan. 110% positive that it was the correct choice. The rep was outstanding and helpful, and I felt very confident making decisions about my policy after they broke down each question and made sure I understood everything. Amazing customer service.

Top O' Michigan has helped me for 18 years through 4 residences, and I am very grateful for your service. Thank you!

Tracy alerted us when we overlooked our renewal date, saving us a lot of trouble. Always great to deal with — if I have questions, she has the answers.