How do I get homeowner's insurance 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.

What is the minimum auto insurance coverage required 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.

How much does insurance cost in Michigan?

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

Is renters' insurance mandatory in Michigan?

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.

How much does condo insurance cost in Michigan?

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.

What are some of the best life insurance companies in Michigan?

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

Is it advisable to get wildfire insurance in Michigan?

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.

Top Local Insurance Agents in Michigan

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Al Spearman

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Al Spearman

"Coverage that you will be able to trust."

Personal Insurance, Business Insurance
Michigan, 48239
SafeCo, Berkshire Hathaway, Hippo, Nationwide, Allstate, National General, Neptune, Wright Flood, US Assure, Hagerty, American Modern, Lemonade, JIBNA, Jewelers Mutual, Amwins, Foremost, Bristol West, and other insurance companies

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Cameron Robinson

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Cameron Robinson

"Stay informed"

Business Insurance, Commercial Auto
Davison, Michigan, 48423
Farmers Insurance, Foremost Star, Bristol West, Kraft Lake, Haggerty

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Arianna Engnell

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Arianna Engnell

"No games. No gimmicks. Just proper protection at fair prices."

Michigan, Michigan, 48362

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Anthony Mccowin

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Anthony Mccowin

"To help secure families legacies one home at a time."

Michigan, 48237
Aetna, Molina, Humana, United Healthcare, Aetna, Transamerica, Gerber, Mutual of Omaha, Lumico, John Hancock, Breeze

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Austin Smith

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Austin Smith

Orion Township, Michigan, 48362

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Find Agents for Different Coverages in Michigan

Home Insurance

Auto Insurance

Business Insurance

Life Insurance

With a population of over 10 million, Michigan is the tenth most populous state in the United States. It is also home to some of the most popular tourist destinations in the country, including Mackinac Island, Detroit, Traverse City, and the Upper Peninsula.

However, Michigan is not without its dangers. The state has a high crime rate, and its winters are notoriously harsh. The Michigan lake frequently affects the state’s weather, especially during severe winters with a lot of snow. Similarly, crime rates in Michigan are higher than the national average, and Detroit is one of the most dangerous cities in the country. Michigan also has a problem with wildfires. In Michigan, firefighters respond to 10,000 to 12,000 wildfires each year. This makes getting insured in Michigan a must, especially if you live there.

Despite its dangers, Michigan is a beautiful state with a lot to offer. To truly make the most of your time in Michigan, choose a local insurance agent and get insurance for you and everything you love right away.

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Popular Insurance Coverages in Michigan

Depending on your insurance requirements, there are several different insurance options available in Michigan. These are the most popular coverages in the state of Michigan:

Home Insurance

Personal property coverage
Personal Liability
Dwelling (Property damage to your home)
Wind/hail
Hurricane damage
Additional Living Expenses
Personal property replacement cost
Inflation protection

Car Insurance

Comprehensive Coverage
No-fault
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage

Business Insurance

Business Owners’ Policy
General Liability Insurance
Workers’ Compensation Insurance
Professional Liability Insurance
Employees Practices Liability
Data Breach Insurance
Business Income Insurance

Life Insurance

Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Interest
Variable Life Insurance

Average Insurance Rates in Michigan

In Michigan, house insurance is subject to competitive state law regulation. In light of this, rates cannot be regarded as being too high as long as there is competition among businesses.

However, due to the fact that Michigan is a no-fault state, and requires mandatory additional coverage, the state has a high cost of auto insurance. Find out the average annual premium rates of various types of insurance in the state.

Type of InsuranceAverage Annual Premium Rates

Car Insurance $2,345
Home Insurance $1,911
Business Insurance $100 -$1,000
Life Insurance $610

FAQ's

How do I get homeowner's insurance 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.
What is the minimum auto insurance coverage required 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.
How much does insurance cost in Michigan?

Insurance in Michigan typically costs $26 monthly or $316 annually.
Is renters' insurance mandatory in Michigan?

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.
How much does condo insurance cost in Michigan?

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.
What are some of the best life insurance companies in Michigan?

State Farm, Prudential, AIG and Pacific Life are some of Michigan’s best life insurance companies.
Is it advisable to get wildfire insurance in Michigan?

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.

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