Popular Questions about Michigan Home Insurance
In Michigan, the average annual cost of homeowners insurance is $942, which is quite a bit lower than the national figure of $1,211 per year. For your exact pricing on home coverage, you'll need to obtain quotes.
Each homeowners insurance policy will have specific limits that are included automatically and tailored to your needs. Your Michigan home insurance policy will have the following coverages to protect against fire, theft, vandalism, and severe weather:
- Dwelling value
- Personal property
- Other structures
- Personal liability
- Medical payments
- Additional living expenses
In Michigan, there are commonly reported disasters that should be covered under your homeowners policy. Take a look at the top 5 risks for homeowners in Michigan:
- Flooding and water damage
- Severe storms and lightning damage
- Tornadoes
- Heavy snow
- Burglary and other property crimes
Your Michigan home insurance rates are calculated using both personal information and outside data. Things like past claims reported, insurance scores, coverage selected, local crime, and natural disasters are all risk factors. To understand how these impact your home insurance costs, discuss with a licensed professional.
Yes, currently Michigan has 899 independent insurance agencies, giving you ample opportunity to find an adviser. They'll do the shopping through dozens of carriers so that you get the best coverage for an affordable rate.
Each state works with a variety of carriers that cover local risk exposures for your personal protection. Michigan has Safeco, Nationwide, Progressive, and Westfield insurance companies that are top-rated. These markets are best known for their competitive pricing on coverage and broad selections on limits.
Do You Know What Your Michigan Home Insurance Covers?
Find the Best Homeowners Insurance in Your City
How does your city measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
| City | Annual insurance cost | Avg. home value | Burglaries (per 1k residents) |
| Adrian | $739 | $76,800 | 7.96 |
| Alpena | $568 | $88,053 | 2.57 |
| Ann Arbor | $1,194 | $297,700 | 2.22 |
| Battle Creek | $869 | $92,358 | 11.1 |
| Bay City | $654 | $70,899 | 9.4 |
| Big Rapids | $729 | $101,750 | 2.3 |
| Birmingham | $1,375 | $514,421 | 0.95 |
| Bloomfield Hills | $1,893 | $931,114 | 2 |
| Brighton | $942 | $194,497 | 3.99 |
| Charlotte | $736 | $110,006 | 2.98 |
| Clarkston | $1,156 | $299,044 | 1.98 |
| Clinton Township | $854 | $143,500 | 3.99 |
| Dearborn | $1,145 | $136,400 | 3.16 |
| Detroit | $1,183 | $147,100 | 13.06 |
| DeWitt | $989 | $207,144 | 0.85 |
| East Lansing | $1,008 | $191,319 | 3.95 |
| Escanaba | $623 | $94,499 | 3.18 |
| Farmington Hills | $1,128 | $243,500 | 1.84 |
| Fenton | $867 | $126,347 | 2.52 |
| Flint | $759 | $28,200 | 12.72 |
| Flushing | $872 | $133,196 | 2.23 |
| Grand Rapids | $828 | $134,500 | 4.29 |
| Grayling | $653 | $78,960 | 3.81 |
| Grosse Pointe | $1,284 | $353,612 | 1.54 |
| Hancock | $779 | $125,461 | 1.76 |
| Hillsdale | $831 | $94,153 | 2.57 |
| Holt | $921 | $161,402 | 2.84 |
| Howell | $863 | $161,206 | 2.52 |
| Jackson | $657 | $66,287 | 9.14 |
| Kalamazoo | $720 | $98,000 | 10 |
| Lansing | $708 | $79,200 | 7.82 |
| Livonia | $1,053 | $175,600 | 3.14 |
| Marquette | $913 | $187,676 | 1.85 |
| Mount Clemens | $868 | $95,462 | 6.64 |
| Mount Pleasant | $874 | $133,968 | 1.58 |
| Muskegon | $787 | $67,219 | 7.8 |
| New Baltimore | $1,083 | $223,447 | 0.89 |
| Novi | $1,231 | $311,699 | 1 |
| Okemos | $922 | $222,754 | 2.13 |
| Ortonville | $925 | $171,083 | 0.88 |
| Petoskey | $925 | $195,097 | 1.91 |
| Plymouth | $1,124 | $294,105 | 1.32 |
| Port Huron | $742 | $84,727 | 6.94 |
| Portage | $952 | $164,329 | 3.11 |
| Rogers City | $703 | $78,845 | 1.86 |
| Saginaw | $598 | $42,088 | 7.66 |
| Sault Ste Marie | $621 | $94,959 | 2.98 |
| Southfield | $1,061 | $147,000 | 4.88 |
| St. Clair Shores | $842 | $119,796 | 2.36 |
| St. Joseph | $948 | $183,872 | 1.81 |
| Sterling Heights | $1,021 | $173,400 | 1.36 |
| Traverse | $1,011 | $241,722 | 2.82 |
| Troy | $1,131 | $286,800 | 1.17 |
| Waterford | $1,099 | $184,891 | 2.24 |
| Westland | $859 | $113,200 | 3.68 |
- $107
- Grosse Pointe, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Grosse Pointe: $107
- Your actual cost for coverage can vary from this rate because it will depend on a variety of factors such as the size, age, and value of your home, the crime rate in your ZIP code, and your claims and credit history. By comparing rates from multiple carriers, you can be sure that you are getting your coverage at a competitive rate.
- Your home insurance can cover you against a number of risks that you face as a homeowner in Grosse Pointe. These can range from liability lawsuits to accidental fires. One of the biggest risks to area homeowners is damage caused by severe storms. Sometimes, heavy rainfalls can also lead to flooding in the area. Be aware that while storm damage is covered by your home insurance policy, flood damage is not.
- $82
- DeWitt, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in DeWitt: $82
- Your home insurance could be less or more, depending on factors like the size of your house, your credit score and claims history, your house's building materials, and the amount of coverage you are purchasing. Compare quotes to make sure you are getting the best rate.
- Your home insurance is designed to cover you against financial losses related to damage to your home. Property damage can happen during a bad storm or a burglary break-in or if a small spark leads to a blazing inferno. Your homeowners policy should have proper coverage limits to enable you to replace lost or damaged belongings, and repair or rebuild when necessary.
- $61
- Charlotte, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Charlotte: $61
- You can expect your actual rate to differ somewhat from this amount since it will be calculated by insurance companies according to a variety of factors such as the size and age of your home and your claims history. Just as rates can vary from one homeowner to the next, so too can rates offered by different insurance companies. It is therefore in your best interest to compare quotes before making a selection.
- Your Charlotte homeowners insurance can help to prevent a major disaster from causing you exorbitant financial losses. These policies can cover the costs associated with such risks as residential fires, severe weather events, and liability lawsuits. Home insurance can also compensate you for losses resulting from property crimes like burglary. You will want to make certain that your most valuable possessions are suitably covered.
- $96
- Clarkston, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Clarkston: $96
- A number of different factors go into determining the type and amount of coverage to be included in your homeowners insurance. That means your policy is uniquely designed for you, your home and your needs. Comparing quotes enables you to find the best price for coverage.
- Winter weather in Michigan can be intense. Heavy snow can damage your roof, and freezing temperatures can affect your plumbing system. If a pipe freezes and bursts, this can lead to serious water damage to your walls and floors. Your Clarkston home insurance is designed to protect against these and other hazards you are likely to face as a Michigan homeowner.
- $72
- Fenton, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Fenton: $72
- The size of your house, your credit score, your house's building materials, and the crime rate in your ZIP code are just some of the variables that can impact how much you pay for homeowners coverage. Because every insurance company has its own proprietary way of calculating rates, it pays to comparison shop before making a purchase.
- Your Fenton homeowners insurance policy is designed to cover you against the various risks you face as a property owner in this city. This includes the risk of a liability lawsuit if someone is injured on your property, loss or damage due to property crimes, accidental fires in your home, and severe weather events. This city sees its share of severe storms and occasional tornadoes, and these hazards can do serious damage to area homes. Make sure that your coverage limits are high enough to protect your finances in the event of a total loss.
- $73
- Flushing, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Flushing: $73
- Of course, your actual home insurance costs could be less or more than this average. That is because insurance companies calculate rates according to a variety of factors such as the type of home you are insuring, its size, age, and value, and often, even your claims history and credit score. Because each insurer has its own way of determining rates, it is advantageous to compare quotes before making a selection.
- Flushing homeowners insurance is designed to cover you against financial losses related to several potential hazards you may face as a property owner in this city. This includes damage caused by accidental fires, property crimes, and severe weather events. It can also cover the costs associated with liability lawsuits. If a visitor slips on your porch and is seriously injured, or if a dinner guest becomes intoxicated in your home and damages a neighbor’s property, you could be held liable for the resulting costs. Fortunately, your home insurance can cover legal fees, court costs, and damages.
- $77
- Holt, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Holt: $77
- Of course, there is a wide range of property types and values in this city, and the home coverage rates can therefore vary greatly from one homeowner to the next. Your actual rate will be calculated according to several considerations such as the age, size, and value of your home and the crime rate in your ZIP code. Every insurance provider has its own proprietary method for assessing risk and assigning rates, so comparison shopping can help you save a lot of money.
- Your home is one of the biggest investments you will ever make. It is therefore best to protect that investment with a reliable and comprehensive home insurance policy. A number of things could cause damage to your home or the belongings you keep inside it. These risks can range from severe weather events to property crimes. Make sure your homeowners policy addresses any property risks you may have as a Holt resident.
- $73
- Mt. Pleasant, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Mt. Pleasant: $73
- Rates can vary significantly throughout the community though. That is because they are based on several different factors, including details about the home being insured, information about potential liability hazards such as the presence of a swimming pool or a dangerous breed of dog, and, at times, even your credit score and claims history. Comparing quotes is always a good idea, as each insurance company assigns rates in a different way.
- You have invested a lot in your home. You will want to protect that investment by backing it up with a reliable Mt. Pleasant homeowners insurance policy. This insurance can cover the costs associated with such hazards as severe weather events, liability lawsuits, property crimes, and accidental fires. Because a residential fire can be all-consuming and lead to a total loss of your property, you will want to be sure that your coverage limits are high enough to enable you to rebuild your home and replace your belongings without suffering an exorbitant financial loss.
- $77
- Ortonville, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Ortonville: $77
- Your home's location, size, age, and proximity to a fire station are just some of the many factors that play a role in determining how much you can expect to pay for your coverage. It should therefore come as no surprise if your quoted rates vary somewhat from the average amount. Comparing multiple quotes helps you be certain that the policy you choose is offered at a competitive rate.
- Severe storms, strong winds, tornadoes and hailstorms can wreak havoc on your property. This is a reality you must face as an Ortonville resident, and it is something your homeowners policy can cover you against. Your home insurance can also cover you against hazards like burglary, vandalism, residential fires, and liability lawsuits.
- $78
- Rogers City, MI Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Rogers City: $78
- Because homeowners insurance rates are customized for each policyholder, you should use this average rate only as a baseline. A number of factors will be used to calculate your actual rate, including information about you, details about your home, and the amount of coverage you are purchasing. When you request rates from multiple insurers, you can compare them to find the best price.
- Your Rogers City homeowners insurance policy can safeguard your finances by covering the costs associated with losses brought about by a variety of hazards. These can include severe weather, residential fires, burglaries, and liability lawsuits. Many types of expensive home damage are completely unexpected. Water damage to your home can come in various forms, including freezing pipes that burst, hot water tanks that erode, and heavy rains that cause leaking through your roof. These risks are covered, but flood damage is not. Be sure to supplement your policy with flood insurance to be fully protected.