The Best and Cheapest Homeowners Insurance Companies in Michigan

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The average cost of homeowners policy in Michigan is $ 1,493 per year .
Along with affordability, we compared customer service reviews and ratings, ampere well as coverages and discounts .
On average, the best price we found for distinctive homeowners in the state was $750 per class. however, you should consider more than cost when deciding on home policy providers. Below, read our selections for the best family indemnity for most people in the Great Lake State .
Other recommendations :

The cheapest options for homeowners insurance in Michigan

One of the most crucial factors when deciding on a homeowners insurance company is how much you ‘ll pay. We collected over 10,000 quotes in Michigan and found that Auto-Owners offers the lowest rates statewide, with an average price of fair $ 750 for our sample property — about half the typical price of $ 1,493. Auto-Owners besides offered the absolute lowest rate in 84 % of ZIP codes statewide .

Find Cheap Home Insurance Quotes in Michigan

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Insurer		Average annual cost
	Auto-Owners	$750
	AAA	$942
	USAA	$988*
	Frankenmuth	$1,055
	Chubb	$1,237

Show All Rows Auto Club/AAA and USAA were besides very low-cost options, with typical prices coming in below $ 1,000 per year .

Best for most people: Auto-Owners Insurance

Get a Quote Auto-Owners has very depleted home insurance rates in Michigan, with great customer service vitamin a well. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/autoowners-3 ”, ” description ” : ” Auto-Owners has very low home plate indemnity rates in Michigan, with great customer service a well. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” connect ” : ” hypertext transfer protocol : \/\/www.auto-owners.com\/ ”, ” mention ” : ” Auto-Owners ”, ” hideBanner ” : false, ” hideDescription ” : fake, ” hideDetails ” : on-key, ” hideDisclaimer ” : assumed, ” hideTitle ” : on-key, ” title ” : ” Auto-Owners ” }
The home insurance company we recommend for most people in Michigan is Auto-Owners indemnity. We were impressed with the company ‘s very low-cost median annual rate of barely $ 750, which is small more than half the statewide average of $ 1,493. Plus, the caller has very well-regarded customer service — a 0.21 complaint index from the NAIC — arsenic well as a courteous variety show of home indemnity coverages and discounts .
The only potential downside to Auto-Owners policy is that it ‘s only available immediately from an indemnity agent. If there are no Auto-Owners agents near you, or if you prefer to buy and manage your indemnity policy on-line, you may need to look at another company .

Best for bundling: Auto Club Insurance (AAA)

Get a Quote AAA has a batch of benefits for bundling your home and car insurance policies together. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/aaa-2 ”, ” description ” : ” AAA has a draw of benefits for bundling your home and car policy policies together. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” associate ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.aaa.com\/office\/ & carrier=AAA ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” appoint ” : ” AAA ”, ” hideBanner ” : false, ” hideDescription ” : delusive, ” hideDetails ” : genuine, ” hideDisclaimer ” : assumed, ” hideTitle ” : dependable, ” title ” : ” AAA ” }
Our runner-up choice for homeowners policy in Michigan and our recommendation for car policy bundling is Auto Club Insurance, which is affiliated with AAA Michigan. AAA offered a adept price for homeowners insurance with a nice combination of coverages and discounts .
In order to buy homeowners insurance from Auto Club, you must be a member of AAA car club, and the company offers its best rates and discounts if you carry both home and car policies. As a result, we recommend that you only consider Auto Club if you ‘re willing to get an car policy and AAA motor club membership as well .

Best for online service: State Farm

Get a Quote state farm has knock-down on-line tools, so you can buy and manage your policy from anywhere.

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If you prefer to get quotes and manage your indemnity policy on-line, we recommend State Farm. Though State Farm ‘s rates were only about $ 120 less than the statewide average, it ‘s the alone competitive insurance company that offers on-line quotes. For Michigan residents who live far from a local agentive role, on-line service may be a exceed priority .
state farm is well-known for its dependability. It has an NAIC charge exponent of 0.2, meaning that it receives merely one-fifth as many complaints as a typical insurance company of its size nationally. furthermore, the party has great fiscal constancy : A.M. Best rated it A++, which is the highest rat A.M. Best offers. This means that State Farm will likely be able to pay out your claim, even in situations of high claims demand ( like a bombastic storm ) or economic downturn .

Best for high-value homes: Chubb

Get a Quote We like Chubb ‘s coverages to protect exotic or high-end homes. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” engage ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/chubb-2 ”, ” description ” : ” We like Chubb ‘s coverages to protect alien or high-end homes. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.chubb.com\/us-en\/ ”, ” mention ” : ” Chubb ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : on-key, ” title ” : ” Chubb ” }
Owners of high-value homes should take a good look at Chubb indemnity for their homeowners policy. Chubb ‘s typical pace of $ 1,237 is below the average monetary value we found statewide, but where Chubb in truth shines are its coverages and customer service. The company offers several coverages that appeal to people with a lot of assets, such as undertake substitute monetary value coverage and a cash out choice : If your home is completely destroyed, you can opt to just receive a check from Chubb for its value without being required to use the money to rebuild your home .
however, Chubb alone caters to the higher end of the base policy market. The caller has a minimal coverage come, meaning that you ‘ll only be able to get a policy from them if you commit to purchasing a certain level of protective covering. Chubb does n’t publish this amount, but it ‘s much higher than a typical homeowner would need in Michigan .

Best for military families: USAA

Get a Quote USAA has a great indemnity propose that ‘s entirely for people tied to the military. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” description ” : ” USAA has a big policy offer that ‘s entirely for people tied to the military. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.usaa.com\/inet\/wc\/insurance-products ? akredirect=true ”, ” list ” : ” USAA ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : on-key, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” championship ” : ” USAA ” }
If you or a class member are connected with the U.S. Military, USAA is an excellent home indemnity option. For one, the company is an all-around solid insurance company : low-cost homeowners policy rates ( barely $ 942 per year for our sample property ), impregnable customer serve and excellent fiscal stability .
But what very sets USAA apart for soldiers and their families are the military-specific coverages it offers. For exercise, USAA waives your homeowners policy deductible on your uniform while you ‘re on active duty. And while most home policy companies do n’t cover your property in warzones, USAA does .
Besides indemnity, USAA offers a wide roll of well-regarded fiscal products, including check and savings accounts, credit cards and loans. indeed people in the military may find USAA to be a commodious one-stop denounce for their fiscal needs .
The independent downside to USAA is that it ‘s not open to everyone. The party alone serves members of the U.S. Armed Forces and the families of current or early USAA members .

Michigan insurance rates: City-by-city breakdown

In accession to a statewide analysis of every ZIP code in Michigan, we besides did a city-specific analysis to see how much homeowners insurance costs in the major cities and townships of Michigan .

Show All Rows For every city we looked at, we calculated the cost of homeowners indemnity for every ZIP code in that city, then averaged the results. If you ‘d like to see how costs in Michigan compare to early parts of the U.S., you can find those numbers in our study of home policy rates by department of state .

The best-reviewed home insurance companies in Michigan

When selecting an policy company, it ‘s crucial to balance looking for the most low-cost option with the company that has the best review. This way, you can be sure you ‘ll receive quality service in exchange for your monthly insurance premium .
We look at two main metrics when analyzing a company ‘s customer serve ratings : a party ‘s NAIC complaint index and its A.M. Best fiscal constancy denounce ( FSR ) .

The NAIC complaint index is the how many of the complaints an policy company has been the submit of, proportional to the company ‘s dollar amount of insurance premiums. The countrywide average is 1.0, so a caller with a ailment index below 1.0 has fewer complaints than would be expected for a caller of its size .
A.M. Best ‘s fiscal stability denounce is a holistic analysis of an insurance company ‘s fiscal forte, considering its total sum of assets, operate procedures, fiscal safeguards and more. The highest grade offered is A++ .

The most common homeowners insurance perils in Michigan

As a department of state in the upper berth midwest, the key regional policy risks to Michigan and its homeowners are related to storms, and they can strike year-round. In the warm months, rainstorms and tornadoes are coarse occurrences, whereas in winter, snowstorms and blizzards can cause significant damage .

Storm damage from wind

Wind damage to roofs, windows and home side is one of the most common types of indemnity claim made countrywide. fortunately, damage from wind instrument is about always covered by homeowners policy, no matter what type of policy you have. It ‘s one of the 16 basic perils included on HO-1, HO-2 and HO-3 insurance policies .
In some places in the U.S., homeowners may have a separate scent deductible on their insurance policy. however, this is most coarse in coastal states where large-scale hurricane winds cause millions or billions of dollars of damage, not in Michigan .

Storm damage from weight of snow

Another common cause of damage from winter storms is the slant of snow on roof. If snow causes your roof to collapse or get otherwise damaged, homeowners insurance will cover the price. however, keep in thinker that if your roof is blabbermouthed due to lack of care and water gets into your home, policy wo n’t cover it .

Storm damage from flooding

One keystone type of ramp damage is not covered by insurance : flood damage. If your home is flooded from a rainstorm or other major source of body of water, you unfortunately ca n’t count on regular homeowners indemnity to pay for the price.

Michigan homeowners who are concerned about deluge ( particularly those who live in a bad flood area, such as low-lying areas near major lakes or rivers ) should purchase a flood insurance policy to cover water damage. There are two main options for flood indemnity : You can buy a policy backed by the federal government through the NFIP but sold through a secret insurance company, or you can buy a completely secret policy from an indemnity company .

Methodology

To do our comprehensive examination analysis of Michigan homeowners insurance, we collected quotes from 12 of the largest indemnity companies in Michigan. From each company, we gathered a quote for one sample distribution property for every residential ZIP code in Michigan. Our sample property was built in 1971 and had a dwell coverage limit of $ 191,000 .

Insurance companies included in our study

• State Farm
• Auto-Owners Insurance
• Auto Club Insurance Association
• Allstate Corp.

• The Hanover Insurance Group
• Michigan Farm Bureau
• Farmers Insurance
• USAA

• Frankenmuth Insurance
• Pioneer State Mutual
• Chubb
• The Cincinnati Insurance Cos.

ValuePenguin ‘s analysis used policy rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes lone — your own quotes may be unlike .