Michigan is a beautiful state that attracts both the residents and the visitors. However, Michigan homeowners face many challenges throughout the year. The harsh winter weather brings frozen pipes and snow cause damage to home. Hot summers mean thunderstorms and hail, which can cause property damage.
We understand the needs of homeowners and aim to connect you with homeowners’ insurance agents in Michigan. They will help you purchase the coverage that is suitable you at a great price.


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Explore top agents who best understand your location, local laws, and needs.Â
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Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best.Â
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Find insurance agents near your cities in Michigan
- Auto Insurance Agents in Michigan
- Business Insurance Agents in Michigan
- Life Insurance Agents in Michigan
- Local Insurance Agents in Lansing 2023
- Local Insurance Agents in Sterling Heights, Mi
- Local Insurance Agents in Traverse City, Mi (2023)
- Top Agents Near You in Detroit
- Top Agents Near You in Grand Rapids, MI
- Top Agents Near You in Orion Township
- Top Insurance Agents in Redford Charter Township, MI
- Top Insurance Agents Near You in Novi (2023)
Popular Insurance Coverage in MichiganÂ
Understanding the homeowners’ insurance coverage requirement as per your home and location is very important. It helps you get the right insurance policy and also saves your money. Here we have listed some popular homeowners’ insurance policies in Michigan.Â
Standard Coverage
- Personal property coverage
- Personal Liability coverage
- Dwelling coverage
- Wind/hail coverage
- Hurricane damage coverage
- Additional Living Expenses coverage
Recommended Coverage
- Personal Property Replacement Cost
Optional Coverage
- Blanket Jewelry
- Inflation protection
Average Homeowners Insurance Rates
The cost of homeowners insurance depends on many individual factors, including but not limited to the company you choose, the coverage you purchase, the discounts you qualify for, your location, and your claim history. Michigan homeowners pay an average of $1,292 a year for 250,000 coverage for home insurance.Â
CityAverage Insurance Rates
- Detroit $2,800
- Troy $1,118
- Ann Arbor $906
- Westland $1,427
- St. Joseph $1,127
FAQ's
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What is the meaning homeowners insurance in Michigan?
Homeowners insurance is a type of property insurance that covers loss and damage to your home, furniture, and other property in your home.
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What is the average homeowners insurance cost in Michigan?
Michigan homeowners pay an average of $1,292 a year for a 250,000-dwelling coverage for homeowners’ insurance.
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What is the most important part of homeowners insurance in Michigan?
The most important part of homeowners insurance is the cost you are paying for it and the type of coverage.
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Who has the best home insurance rates in Michigan?
In Michigan Auto-Owners, Frankenmuth, State Farm and Allstate have the most affordable rates statewide.
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What should you include in homeowners insurance in Michigan?
A homeowners insurance should include Comprehensive Coverage and affordable prices. It should include a single, easy-to-understand deductible.
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How do I choose a home insurance company in Michigan?
When you are choosing a home insurance company you should seek for affordable prices, good discount and reliable insurance company in Michigan.
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What types of homeowners insurance coverages are recommended in Michigan?
The recommended homeowners insurance coverage in Michigan are personal property coverage, personal Liability insurance, dwelling coverage, wind/hail coverage and hurricane damage coverage.