Finding a good home insurance policy is one of the best ways to protect the investment that you’ve made in your home. It also gives you valuable peace of mind, knowing that you’ll be able to afford any repairs that your home might need after a disaster like a fire. But finding the best home insurance in Michigan can be tricky, especially if you haven’t shopped for insurance before. That’s why we outlined some of the details that you need to know before you buy a home insurance policy
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The average cost of home insurance in Michigan is $1,527 for $250,000 of dwelling coverage. That is nearly $100 more than the national average home insurance premium of $1,428.
The cost of home insurance in Michigan depends on multiple variables, including your location. Factors like population densities, home values, and crime rates all vary from city to city, so your location within the state can impact your rates.
| Michigan City | Average Cost of Home Insurance Per Year |
| Brohman | $1,390 |
| Edwardsburg | $1,395 |
| Inkster | $1,746 |
| Harper Woods | $1,747 |
| Hazel Park | $1,753 |
While your location impacts your home insurance costs, the value of your home also affects your rates. Since rates can vary so much, getting a personalized quote will give you the most accurate idea of what you’ll pay for coverage. To get started, get free home insurance quotes in Michigan from ConsumerCoverage today.
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There are several ways to save on home insurance in Michigan. To start, look for insurance companies that offer discounts, such as multi-policy discounts for buying your home insurance and car insurance from the same company. You might consider a high deductible plan, which can help to keep your monthly premiums down. Just make sure that you’re prepared to pay that higher deductible if you ever have to file a claim.
Take the time to shop around and compare insurance options, which can help you to find the best coverage at the best rate. To get started, request a free homeowners insurance quote from ConsumerCoverage to explore your home insurance coverage options.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
