Local Insurance Agents in Michigan

We offer you a number of insurance dos and don’ts that might assist you in finding the best homeowner’s insurance for your requirements. If you want to get started right away, get in touch with an insurance broker or schedule a free consultation with one of our local insurance agents in Michigan.

In Michigan, drivers are required to carry a 20/40/10 no-fault insurance coverage. Therefore, liability insurance with minimum limits of $20,000 per person, $40,000 per accident, and at least $10,000 in coverage for property damage is mandatory in the state.

Personal injury protection and property protection insurance are also mandated under Michigan’s auto insurance laws for drivers.

Insurance in Michigan typically costs $26 monthly or $316 annually.

Unlike vehicle insurance, the state of Michigan does not mandate renters insurance. Nevertheless, to live in their building, some landlords might insist on it. It’s generally a good idea to obtain at least some type of coverage, as your landlord’s insurance does not cover any harm to your personal property.

For insurance coverage of $40,000 in personal property, $100,000 in liability, and a $1000 deductible, condo owners in Michigan pay an average of $592 annually or $49 per month.

State Farm, Prudential, AIG and Pacific Life are some of Michigan’s best life insurance companies.

Most All-Risk (HO-3) homeowner insurance policies in Michigan cover fire damage. All structures on your property may be covered by basic property owner’s insurance (garage, shed, fences). However, your HO-3 insurance policy could not cover it if you live in a high-risk region where wildfires are common; therefore, it’s essential to check your homeowners insurance policy.