"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:
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:
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.
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!