Best homeowners insurance in Michigan (2024)

AAA is among the best home insurance companies in Michigan for its cheap rates (and its range of discounts), coverage options, and membership extras offered by AAA.

Pros

• Affordable rates, plus 15+ home insurance discounts available

• 20+ policy coverages and add-ons

• Slew of other perks and discounts that come with AAA membership

Cons

• AAA membership required to purchase home insurance

• Coverages, discounts, and claims experience will vary by region

• Below-average customer satisfaction scores

Why we chose it

AAA is one of the best homeowners insurance companies in Michigan. The company offers cheaper-than-average rates for Michigan homeowners, plus more than one dozen discounts (like a non-smoking discount, auto-pay discount, and paperless billing discount) that can lower your rates even more.

Besides low rates, AAA also offers a range of coverage options that you can add to a basic policy. AAA's add-ons include extended and guaranteed replacement cost coverage, water backup protection, and all of the perks that come with a AAA membership.

How do AAA home insurance rates compare to the Michigan average?

The average cost of AAA home insurance in Michigan is $1,040 per year, which is around 27% cheaper than the annual statewide average.

How to get a quote

Online or by calling AAA. Keep in mind that membership is required to get a home or auto insurance quote AAA.

The Hanover home insurance policies come with a slew of quality coverage add-ons and high customer service marks — though coverage from the Hanover can cost much more than average.

Pros

• Offers three tiers of coverage for all types of homes, including a specialized policy for high-value homes

• Received 85% fewer complaints in 2021 according to the NAIC complaint index

• Mobile app allows you to manage your policy, contact your agent, and report claims on the go

Cons

• Rates are much higher than average in Michigan

• No online quote tool or live-chat feature on its website

Why we chose it

The Hanover is one of the best home insurance companies in Michigan, especially for buyers who value highly-rated customer service. According to the National Association of Insurance Commissioners, the Hanover receives only a fraction of the complaints expected for its size.

We also like the number of coverages that the Hanover offers. For example, homeowners can add protection to their basic policies, including guaranteed and extended replacement cost coverage, valuable items coverage, equipment breakdown coverage, and water backup protection.

How do the Hanover home insurance rates compare to the Michigan average?

The average cost of home insurance from the Hanover in Michigan is $2,628 per year, which is 85% more expensive than the statewide average.

How to get a quote

You can get a home insurance quote by contacting a local Hanover insurance agent.

Farmers is one of the best home insurance companies in Michigan for those who want to add coverage to their policies. Farmers also has a range of discounts, slightly cheaper-than-average rates, and high claims satisfaction scores.

Pros

• Optional extended or guaranteed replacement cost dwelling coverage

• Receives few complaints from policyholders and has a high claims satisfaction score

• Lots of available discounts

Cons

• Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

• Rates are about average in Michigan

Why we chose Farmers

Farmers is one of the best home insurance companies in Michigan, especially if you want to add coverage to a basic policy. Optional coverages from Farmers include guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it scored below average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.

Farmers is one of the best companies for bundling home and auto coverage (you could save up to 18% on your premiums by bundling). The company also offers more than a dozen other discounts, many of which are easy for most homeowners to qualify for.

How do Farmers home insurance rates compare to the average in Michigan?

The average cost of Farmers home insurance in Michigan is $1,393 per year, which is 2% cheaper than the state's average annual premium.

How to get a quote

Online through Farmers

Cincinnati Insurance is one of the best home insurance companies in Michigan if your home is worth at least $750,000. If you have a high-value home, Cincinnati Insurance is a great choice for its range of coverage offerings and affordable rates.

Pros

• Earns 5-star ratings for customer service, financial stability, and coverage options

• Offers a lot of valuable add-ons, including extended replacement cost coverage

Cons

• Best coverage only available to higher-value homes

• No online quote tool

• More expensive than average in Michigan

Why we chose Cincinnati Insurance

Cincinnati Insurance is one of the top home insurance companies in Michigan for its Executive Select Plan. If your house is worth at least $750,000, you could add extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup protection, identity theft coverage, and more to your policy.

While Cincinnati Insurance's home insurance rates are more expensive than average in Michigan, the company also offers a few discounts, like a bundling and new home discount, that could offset the its higher rates.

How do Cincinnati Insurance rates compare to the Michigan average?

We found that the cost of home insurance from Cincinnati Insurance in Michigan is $1,064 per year, which is 21% more expensive than average.

How to get a quote

Find an agent via Cincinnati Insurance's website