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Call Us Now: At HomeInsurance.com you can compare up to four home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Michigan homeowners insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.
The average Michigan home insurance rate in 2008 was $715.00. It appears that rates have increased over the past 3 years, so make sure you shop your Michigan home insurance policy today.
Since rates have increased in recent months, it's important to continue to save money and find great coverage on your Michigan homeowners insurance. Be sure to review your home insurance policy with your local Michigan insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Michigan home insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard Michigan Home Insurance Coverages
| A | Dwelling: A standard Michigan homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Michigan home insurance policy |
| C | Contents/Personal Property: A Michigan home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Michigan home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Michigan, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Michigan MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Michigan Homeowners Insurance News
- Michigan residents on road to recovery following tornadoesMonday, March 19, 2012
- Spring season increases risk for tree damage Friday, April 15, 2011
- Flood insurance costs could rise for homeowners after FEMA map redrawnFriday, January 28, 2011
Other Michigan Homeowners Resources:
- Visit our RateReport to see how Michigan home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in Michigan? Check out our list of available home insurance discounts.
Search for home insurance in your Michigan county:
- Alcona
- Alger
- Allegan
- Alpena
- Antrim
- Arenac
- Baraga
- Barry
- Bay
- Benzie
- Berrien
- Branch
- Calhoun
- Cass
- Charlevoix
- Cheboygan
- Chippewa
- Clare
- Clinton
- Crawford
- Delta
- Dickinson
- Eaton
- Emmet
- Genesee
- Gladwin
- Gogebic
- Grand Traverse
- Gratiot
- Hillsdale
- Houghton
- Huron
- Ingham
- Ionia
- Iosco
- Iron
- Isabella
- Jackson
- Kalamazoo
- Kalkaska
- Kent
- Keweenaw
- Lake
- Lapeer
- Leelanau
- Lenawee
- Livingston
- Luce
- Mackinac
- Macomb
- Manistee
- Marquette
- Mason
- Mecosta
- Menominee
- Midland
- Missaukee
- Monroe
- Montcalm
- Montmorency
- Muskegon
- Newaygo
- Oakland
- Oceana
- Ogemaw
- Ontonagon
- Osceola
- Oscoda
- Otsego
- Ottawa
- Presque Isle
- Roscommon
- Saginaw
- Saint Clair
- Saint Joseph
- Sanilac
- Schoolcraft
- Shiawassee
- Tuscola
- Van Buren
- Washtenaw
- Wayne
- Wexford
Customer Reviews in Michigan
For additional information about specific insurance laws in Michigan, visit the Michigan Insurance Division website.
