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Michigan Homeowners Insurance Quotes

Don’t let the lakes be the only great things in your state. With HomeownersInsurance.com, your Michigan homeowners insurance quotes can achieve greatness, too. Our agents work with multiple highly rated carriers to find a fitting combination of coverage and premiums.

There's no need for you to search multiple rates on different websites. We'll turn into a one-stop shop and do the searching for you. Fill out the form above or call us at 1-877-234-0731 and we can start working for you.

Why you need Michigan home insurance

With a name that means "great water" and a motto that refers to a peninsula, it's no wonder that "the Great Lakes State" is preoccupied with water. Even Michigan's weather patterns have to do with the lakes that surround it: lake-effect snow in the winter and severe thunderstorms in the summer. Southern Michigan also is vulnerable to tornados, experiencing an average of 17 a year.

You would need a standard homeowners insurance policy to protect your home and family from the natural disasters listed above. Living in a state so closely tied to water, however, residents also should remember that providers typically exclude flood damage from standard Michigan homeowners insurance policies. If you live near a lake or floodplain, consider purchasing a separate policy through the National Flood Insurance Program.

Homeowners insurance discounts

Home insurance rates frequently fluctuate, but discounts are almost always available. Sometimes you just have to know what to ask for. The licensed agents at HomeownersInsurance.com will work to find you the savings for which you might qualify. Some common price breaks include:

  • Bundle: Purchasing your auto insurance and your Michigan homeowners insurance through the same carrier could earn you up to 20% off your monthly premiums.
  • Retiree: If you're older than 55 and retired, you could earn up to 20% off your homeowners insurance bill for a primary residence.
  • Non-smoking: Even in a state surrounded by water, fire safety is important. Your provider might charge you less if no one in your family smokes.
  • Fire-safety: In addition to non-smoking discounts, families can earn price breaks for installing smoke detectors and sprinkler systems in their homes.
  • Security: Installing a security system, or even deadbolt locks, could qualify you for savings.

Your neighbors' home insurance rates

Are your fellow Michigan residents taking advantage of all available discounts? Listed below are the last five Michigan home insurance policies sold by HomeInsurance.com. Remember that premiums vary based on house type, location, and individual situation.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $899 $904 $632 $491 $937
Premium with Auto Discount$764†$768†$537†$417†$796†
Carrier Safeco Safeco Safeco Safeco Safeco
Zip 48312 49307 48867 48313 49738
Year Built 1997 1966 1970 1974 1968
Foundation type Slab Basement Basement Crawl Space Slab
Lot Size 7,405 Sq Ft 37,461 Sq Ft N/A 7,841 Sq Ft N/A
Square Feet 1,851 Sq Ft 2,160 Sq Ft N/A 1,632 Sq Ft 1,124 Sq Ft
Bedrooms N/A 4 N/A N/A 2
Bathrooms N/A 2.5 N/A N/A 1.0
Discounts














Primary Heat Source Central Gas Central Gas Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Standard Michigan homeowners insurance coverage

Think you know about everything that Michigan homeowners insurance covers? Spoiler alert: It's not just the structure of your home. Standard policies protect six main areas of your home life, only one of which is your home's structure. These coverage types are:

  • Dwelling and Other Structures: Dwelling (as expected) protects the structure of your home from perils such as fire or wind, whereas any additional structures on your property can receive coverage from Other Structures.
  • Loss of Use: If your home becomes badly damaged by a covered peril and you are forced to move out while it undergoes repair, Loss of Use can help pay for any hotel or restaurant bills that you accrue in your absence.
  • Personal Property: The contents of your home receive protection from covered perils using this portion of your policy.
  • Medical Payments: Your homeowners insurance policy can help pay the medical bills of someone who becomes injured on your property but decides not to take you to court.
  • Personal Liability: Your policy can help pay for the legal costs and final judgment when someone sustains an injury on your property and takes you to court.

Find Michigan home insurance in your city

If you have questions about Michigan homeowners insurance, click here. For more customized information about Michigan homeowners insurance quotes, fill out the form above or call us at 1-877-234-0731. We look forward helping you get the protection you need.