Guide to home insurance in Michigan (2024)

We break down everything you need to know about home insurance in Michigan — from average costs, the best companies, how to prepare for storm season, and much more.

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Andrew HurstSenior Editor & Licensed Insurance ExpertAndrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|3 min read

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What to do if you’ve been impacted by 2024 tornadoes

Over 100 tornadoes swept through several states in April and May 2024, including parts of Texas, Kansas, Nebraska, Missouri, Iowa, Michigan, Indiana, and Ohio. Homeowners impacted by these tornadoes may need to file a claim with their insurance company for damage caused by the storms. Policygenius has several resources available to help guide homeowners through the claims process. Homeowners looking for a new insurance policy can reach out to our expert home insurance agents to compare quotes from multiple companies.

Our ultimate guide to home insurance in Michigan can help you find the best home and flood insurance companies in your area, learn about the average cost of home insurance in your city or town, find the right coverage for the type of property you want to insure, and more.

Jump down to learn about home insurance in Michigan …

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Average cost of home insurance in Michigan

The average cost of home insurance in Michigan is $1,422 per year, but rates have gone up for many homeowners. According to our Policygenius Home Insurance Pricing Report, people who renewed their coverage in 2023 saw an average premium increase of 21% compared to the year before.

Rates in Michigan and in many other states will likely keep going up. As storms get stronger and bring destructive wind and flooding that affects more homes, premiums will increase. Higher rebuilding costs that stem from inflation will also play a part in pushing the cost of home insurance higher.

Learn more >> Average cost of home insurance in Michigan

Best home insurance in Michigan

The best homeowners insurance company in Michigan is State Farm for its affordable rates and coverage options, as well as its highly rated customer service and strong financial strength. We gave State Farm 4.8 out of 5 stars, but your best home insurance company will depend on the amount and kind of coverage you need, the age of your home, your budget, and other factors specific to you.

Company

Best for … 

Average annual cost

Policygenius rating

State Farm

Overall

$1,683

4.8 out of 5

Cincinnati Insurance

Coverage for high-value homes

$1,717

4.8 out of 5

Farmers

Low rates

$1,393

4.5 out of 5

The Hanover

Customer service

$2,628

4.3 out of 5

AAA

Coverage options and discounts

$1,040

4.3 out of 5

Learn more >> Best home insurance companies in Michigan in 2024

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Find your best home insurance rates in Michigan with our free calculator

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Cheapest home insurance in Michigan

The cheapest homeowners insurance company in Michigan is Westfield Insurance, followed by AAA and Frankenmuth. Home insurance from Westfield Insurance costs about 32% less than the statewide average.

If you’re having trouble finding affordable home insurance, consider bundling your home and auto insurance, paying your premiums all at once, and outfitting your home with protective devices like deadbolted doors, a burglar alarm or security system, and intruder-proof windows.

Company

Average annual cost

Policygenius rating

Westfield Insurance

$965

N/A

AAA

$1,040

4.3 out of 5

Frankenmuth Insurance

$1,118

N/A

Hastings Mutual Insurance

$1,247

N/A

Pioneer State Mutual

$1,256

N/A

USAA

$1,372

4.9 out of 5

Farmers

$1,393

4.5 out of 5

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Learn more >> Cheapest home insurance companies in Michigan in 2024

Michigan home insurance rates by city

Ann Arbor has the cheapest homeowners insurance rates in Michigan (looking at its 20 largest cities). The cost of home insurance in Ann Arbor is about 15% cheaper than the statewide average in Michigan. Other cities in Michigan with cheaper-than-average home insurance rates include Grand Rapids and Kalamazoo.

City

Average annual cost

Ann Arbor

$1,205

Dearborn

$1,760

Dearborn Heights

$1,721

Detroit

$2,327

Farmington Hills

$1,462

Flint

$1,988

Grand Rapids

$1,219

Kalamazoo

$1,256

Lansing

$1,286

Livonia

$1,454

Novi

$1,594

Pontiac

$1,842

Rochester Hills

$1,357

Southfield

$1,861

Sterling Heights

$1,382

Taylor

$1,667

Troy

$1,354

Warren

$1,576

Westland

$1,595

Wyoming

$1,272

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Find your best home insurance rates in Michigan with our free calculator

We don't sell your information to third parties.

How to buy home insurance

Given the possibility of severe weather and flooding in Michigan, it’s worth keeping a few things in mind as you shop for home insurance. Here’s what you should know:

Learn more >> How to buy home insurance in Michigan

Flood insurance in Michigan

A regular homeowners insurance policy doesn’t cover flood damage. Since Michigan has more than 10,000 lakes (not to mention the Great Lakes that surround it), [1] there’s a good chance that your mortgage lender will require you to buy flood insurance as a condition of your loan.

  • About 366,735 homes in Michigan have a high chance of experiencing flood damage.

  • The average cost of flood insurance in Michigan is $72 a month or $886 per year.

  • Coverage is most expensive in East Lansing ($2,567 per year) and cheapest in New Buffalo ($353).

  • Most flood insurance policies are sold by the National Flood Insurance Program (NFIP), but you can also get flood insurance from a private insurer.

Learn more >> Compare quotes for flood insurance in Michigan

Mobile home insurance in Michigan

Home insurance is different from mobile or manufactured home insurance. In Michigan, American Modern, Foremost, and Michigan Farm Bureau are among the top insurance companies offering home insurance specifically designed for mobile homes.

Company

Policygenius rating

American Modern

4.9 out of 5

Foremost

4.2 out of 5

Michigan Farm Bureau

3.5 out of 5

Learn more >> Mobile home insurance companies in Michigan

Landlord insurance in Michigan

You need insurance for your rental property if you own an apartment or house you lease to short- or long-term tenants. Three of the top insurers offering landlord insurance in Michigan are Farmers, Liberty Mutual, and Obie. On average, landlord insurance costs $1,777 per year in Michigan.

Company

Policygenius rating

Farmers

4.5

Liberty Mutual

4.3

Obie

3.6

Find your best home insurance rates in Michigan with our free calculator

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Learn more >> Landlord insurance companies in Michigan

When is storm season in Michigan?

According to the National Weather Service, Michigan’s severe storm season typically lasts from June to September, peaking around the middle of summer. [2] Michigan may also experience strong storms during the fall, specifically November, as cold air from farther north mixes with warm southern air. [3]

Michigan’s Department of the Environment, Great Lakes, and Energy states that in the past Michigan has been affected by severe weather like windstorms and sometimes tornadoes, strong thunderstorms, and hailstorms. [4] As the area gets warmer, its weather patterns may change and storms may get even stronger. To prepare, you should:

  • Consider replacement cost coverage so that you’re sure you can rebuild your home if it’s destroyed.

  • Purchase flood insurance if you live near a low-lying area that’s prone to flooding.

  • Install storm-resistant windows and shutters, and upgrade your roof.

  • Plan ahead for power outages by filling an emergency bag with essentials.

Learn more about home insurance in Michigan

Find your best home insurance rates in Michigan with our free calculator

We don't sell your information to third parties.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Department of Natural Resources

    . "

    Michigan's Lakes and Rivers

    ." Accessed August 02, 2024.

  2. National Weather Service

    . "

    Severe Weather in Michigan

    ." Accessed August 02, 2024.

  3. National Weather Service

    . "

    The Fall Storm Season

    ." Accessed August 02, 2024.

Author

Andrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Pat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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