Enter your ZIP code:

Michigan Home Insurance Quotes

"The single best suggestion I can give you as a consumer is to take the time to shop around."

-Linda A. Watters
Michigan Office of Financial and Insurance Services Commissioner


Sorting through the massive amounts of Michigan homeowner's insurance information can be a daunting task. That's why InsureMe is here-we want to help! Finding the right home insurance policy usually takes a lot of time and patience-but not anymore. Just enter your personal information into our system once, and we'll get you up to five Michigan home insurance quotes from some of the top insurance companies and agents in your area.


Important Michigan Home Insurance Information

Access to affordable home insurance remains an integral part of Michigan's communities' success story. The state's Office of Financial and Insurance Services is continually working to ensure that all Michigan residents retain the right to purchase Michigan home insurance in a fair and equitable manner. The Essential Insurance Act also works toward this end by enabling home insurance companies to set their own rates without prior approval from the state. This promotes competitive pricing between companies and allows insurance companies to change rates quickly in response to consumer demands.

Types of Homeowners Policies

Over 100 insurance companies currently offer Michigan homeowner's insurance, keeping the market very competitive in providing the lowest possible rates, the broadest coverage and the best possible service. These companies present a wide variety of rates and services; however, the most standard forms of Michigan home insurance include:

  • HO-3-Covers your home against all risks except those specifically excluded, and its contents against named perils. Considered a "deluxe" policy. May require the insured to purchase coverage of at least 70 percent of the home's replacement cost.
  • HO-4-Provides liability and comprehensive protection against loss to personal property only (named perils) in a rented living space. Does not include coverage for the building or its accompanying structures.
  • HO-6-A condominium policy providing coverage for the portion of the dwelling belonging to the condominium owner, as well as insuring its contents against named perils.
  • "Market Value" or "Repair Cost" -Coverage on your house limited to 100 percent of your home's fair market value. Covers both the dwelling and its contents against named perils.

When deciding what type of policy fits your individual situation, consider how much your house is worth, its replacement cost, and your own monthly budget to determine how much you can afford to spend on your Michigan home insurance.

Questions to Ask

Asking a Michigan home insurance provider the following questions will help you determine whether a particular insurance policy is appropriate for you and your family:

  • What is not covered?
  • Is this coverage based on replacement value or repair cost?
  • How much will I save if I increase my deductible?
  • What discounts am I eligible for?
  • Does this coverage include water damage or sewage backup?
  • Does the policy cover my antiques, jewelry or other special collections?
  • What other special coverages are available?
  • What proof will I need in case of loss?

If you are not satisfied with the answers to these questions, ask the insurance agent or company for a policy better suited to your needs.

Reducing Your Premium

Following are some ways to reduce your Michigan home insurance premium. Employing a few or all of these recommendations will help keep your premium at an affordable level.

  • Purchase only what you can reasonably afford
  • Increase your deductible
  • Pay your premiums on time
  • Inquire about group and multiple-policy discounts
  • Use any available safety features, such as smoke detectors, deadbolt locks or fire extinguishers
  • Ask about special discounts for senior citizens

Comparison Shop!

Michigan consumers are always amazed to find out just how much time and money they can save by comparing home insurance quotes and coverages. Comparison shopping works because insurance companies offer a wide variety of rates in every area of the state.

Almost everyone in Michigan is eligible for home insurance coverage under state law, and comparing policies and offerings is essential to getting the right policy at the right price. In addition, companies which do not offer competitive prices will lose Michigan insurance consumers' business, placing pressure on them to lower their rates.

What to Do If You Have a Problem

Trying to resolve your issue with a Michigan home insurance company is the first course of action to take when you have a problem. If, however, you do not get the assistance you need or you feel you have been unfairly denied coverage, contact the Michigan Department of Labor and Economic Growth's Consumer Services Division toll free at 877-999-6442, or online at www.michigan.gov/cis.


We appreciate your taking the time to visit our Michigan home insurance quotes and information page. Your home insurance savings are just around the corner! Just fill in our "Get a free quote" box, and we'll put you in contact with knowledgeable Michigan home insurers who are waiting to service your home insurance needs.

Get in on the savings now!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6625
54 Wisconsin Home Insurance youcomparequotes 6934
53 West Virginia Homeowners Insurance youcomparequotes 6512
52 Washington, D.C. Home Insurance youcomparequotes 8169
51 Washington Home Insurance youcomparequotes 6256
50 Virginia Home Insurance youcomparequotes 6581
49 Vermont Homeowners Insurance youcomparequotes 7024
48 Utah Homeowners Insurance youcomparequotes 6218
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7205
46 Texas Home Insurance Quotes youcomparequotes 6731
45 Tennessee Homeowners Insurance youcomparequotes 8308
44 South Dakota Homeowners Insurance youcomparequotes 6999
43 South Carolina Homeowners Insurance youcomparequotes 6262
42 Rhode Island Homeowners Insurance youcomparequotes 6468
41 Pennsylvania Home Insurance Quotes youcomparequotes 6724
40 Oregon Home Insurance Quotes youcomparequotes 12809
39 Oklahoma Homeowners Insurance youcomparequotes 6655
38 Ohio Home Insurance Quotes youcomparequotes 7084
37 North Dakota Homeowners Insurance youcomparequotes 6388
36 North Dakota Home Insurance youcomparequotes 6220
35 North Carolina Homeowners Insurance youcomparequotes 11197
34 New York Home Insurance Quotes youcomparequotes 6918
33 New Mexico Homeowners Insurance youcomparequotes 6836
32 New Jersey Home Insurance youcomparequotes 6277
31 New Hampshire Home Insurance youcomparequotes 6352
30 Nevada Home Insurance youcomparequotes 6473
29 Nebraska Home Insurance youcomparequotes 6327
28 Montana Home Insurance youcomparequotes 6697
27 Missouri Home Insurance Quotes youcomparequotes 6466
26 Mississippi Home Insurance youcomparequotes 6441
25 Minnesota Home Insurance Quotes youcomparequotes 6599
» Michigan Home Insurance Quotes youcomparequotes 8085
23 Maryland Home Insurance youcomparequotes 6603
22 Maine Homeowners Insurance youcomparequotes 6427
21 Louisiana Homeowners Insurance youcomparequotes 6830
20 Kentucky Homeowners Insurance youcomparequotes 6219
19 Kentucky Home Insurance youcomparequotes 6604
18 Kansas Homeowners Insurance youcomparequotes 6857
17 Iowa Homeowners Insurance youcomparequotes 6311
16 Indiana Homeowners Insurance youcomparequotes 6603
15 Illinois Home Insurance Quotes youcomparequotes 7354
14 Idaho Home Insurance youcomparequotes 6452
13 Hawaii Home Insurance youcomparequotes 6487
12 Georgia Home Insurance youcomparequotes 6578
11 Florida’s Home Insurance Headache youcomparequotes 7933
10 Florida Home Insurance Quotes youcomparequotes 6528
9 Delaware Home Insurance youcomparequotes 6134
8 Connecticut Homeowners Insurance youcomparequotes 6404
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 11003
6 Colorado Home Insurance Information youcomparequotes 7148
5 California Home Insurance youcomparequotes 6602
4 Arkansas Home Insurance youcomparequotes 6730
3 Arizona Home Insurance Quotes youcomparequotes 7688
2 Alaska Homeowners Insurance youcomparequotes 6377
1 Alabama Homeowners Insurance youcomparequotes 6400
XE Login