How to Find the Best Home Insurance in Michigan

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

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

The Average Cost of Home Insurance in Michigan

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.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Coverage Options for Home Insurance in Michigan

It’s helpful to be familiar with what your typical home insurance policy includes. Most home insurance in Michigan will include the following coverages:

Dwelling coverage applies to the structures of your home, including the roof, walls, and porch, and helps to cover repairs that these specific elements need.
Other structures coverage applies to detached structures on your property, like sheds or barns.
Personal property coverage helps to pay for repairs or replacement of your personal belongings inside the home, like your furniture or electronics.
Personal liability coverage helps to protect you if another person is injured, or their property is damaged, while they’re on your property.
Medical payments coverage helps to cover medical expenses that other people might have as the result of an accident that happens on your property.
Loss of use coverage helps to cover expenses, like rental property costs, that you face if your home is uninhabitable while it’s being repaired.

While these standard coverages are a good place to start, you might want to add on optional coverages for more complete protection.

Flood insurance: Most standard home insurance policies don’t include flood insurance. Investing in additional flood insurance may be a good idea if you’re in an area that could potentially flood.
Valuable items coverage: While your personal property coverage helps to protect the items in your home, its limit may be so low that the coverage doesn’t replace your more valuable items. Buying valuable items coverage will increase those limits to protect more expensive items like jewelry.

How to Save Home Insurance in Michigan

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.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

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.