Finding competitive, low cost home owner insurance quotes in Michigan does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Michigan home insurance coverage. Rest assured knowing our team of Michigan licensed insurance consultants are standing by to give you top notch advice on homeowner insurance coverages and rates in your area.
The average Michigan homeowner insurance rate in 2006 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 owner 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. |
Other Michigan Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Michigan home insurance policy? Quiz yourself!
- home owner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Michigan
- Michigan Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Michigan county:
- Wexford
- Wayne
- Washtenaw
- Van Buren
- Tuscola
- Shiawassee
- Schoolcraft
- Sanilac
- Saint Joseph
- Saint Clair
- Saginaw
- Roscommon
- Presque Isle
- Ottawa
- Otsego
- Oscoda
- Osceola
- Ontonagon
- Ogemaw
- Oceana
- Oakland
- Newaygo
- Muskegon
- Montmorency
- Montcalm
- Monroe
- Missaukee
- Midland
- Menominee
- Mecosta
- Mason
- Marquette
- Manistee
- Macomb
- Mackinac
- Luce
- Livingston
- Lenawee
- Leelanau
- Lapeer
- Lake
- Keweenaw
- Kent
- Kalkaska
- Kalamazoo
- Jackson
- Isabella
- Iron
- Iosco
- Ionia
- Ingham
- Huron
- Houghton
- Hillsdale
- Gratiot
- Grand Traverse
- Gogebic
- Gladwin
- Genesee
- Emmet
- Eaton
- Dickinson
- Delta
- Crawford
- Clinton
- Clare
- Chippewa
- Cheboygan
- Charlevoix
- Cass
- Calhoun
- Branch
- Berrien
- Benzie
- Bay
- Barry
- Baraga
- Arenac
- Antrim
- Alpena
- Allegan
- Alger
- Alcona
For additional information about specific insurance laws in Michigan, visit the Michigan Insurance Division website.
Twitter
Linkedin
Facebook
Blog
Help us improve our website-