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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!


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