The Best Home Insurance in Michigan for 2025

Chubb, USAA and Amica are among the best home insurance companies in Michigan, according to our analysis.

To help you find the best home insurance in Michigan, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best homeowners insurance

Here’s more information about the best homeowners insurance companies in Michigan.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb offers coverage other insurers often charge extra for, such as extended replacement cost coverage for the structure of your home. This coverage is useful in case it costs more than expected to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Amica has a strong set of options for customizing your policy. You can add extra coverage for your home and belongings, as well as coverage for identity theft or damage from backed-up drains.

The company shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” option. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers several other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Michigan is $2,095. That’s 1% less than the national average of $2,110.

In most U.S. states, including Michigan, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Michigan, those with poor credit pay an average of $4,065 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 94% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

What you pay for home insurance depends on where you live in Michigan. For example, the average cost of homeowners insurance in Detroit is $3,275 per year, while homeowners in Grand Rapids pay $1,810 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Michigan average of $2,095.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when shopping for home insurance in Michigan.

Flooding

Homeowners insurance usually won’t cover damage caused by flooding. If you live in an area that's at risk of flooding, such as along a lake or river, your mortgage lender will likely require you to buy flood insurance. But you could be at risk no matter where you live, so flood insurance may still be worth considering.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do I need flood insurance?

Tornadoes

A standard homeowners insurance policy covers tornado damage, along with any additional living expenses you might have if you have to move out of your home after the storm.

Winter storms

Snow, ice and frigid temperatures could cause problems like burst pipes or fallen branches. Homeowners insurance will generally cover this type of damage, as long as it wasn’t due to your negligence. Say you turn your thermostat down too low while you’re away from home for a few days. Your insurer might refuse to pay for damage from a burst pipe because you could have prevented it.

Michigan Basic Property Insurance Association

If you can't find an insurance company to insure your home, work with an agent to apply to the Michigan Basic Property Insurance Association. MBPIA is the state’s insurer of last resort, offering coverage to those who can’t get it in the private market.

Michigan’s Department of Insurance and Financial Services oversees the state’s insurance and financial services industry. You can file a complaint on its website, which also provides information about home insurance. To get assistance from the DIFS, call 877-999-6442.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.