The Best Home Insurance in Michigan for 2023

State Farm is one of the best homeowners insurance companies in Michigan, with generous coverage and affordable rates.

Ben Moore
By Ben Moore 
Edited by Caitlin Constantine

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you're a homeowner in Michigan, you'll likely pay less than the national average for home insurance. The average annual cost of home insurance in Michigan is $1,345, which is considerably less than the national average of $1,820.

We compared rates from companies across the state to find the best homeowners insurance 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

The best homeowners insurance in Michigan

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$1,105

5.0

NerdWallet rating 

$1,795

5.0

NerdWallet rating 

$1,860

Frankenmuth

4.5

NerdWallet rating 

$1,040

4.5

NerdWallet rating 

$1,290

4.5

NerdWallet rating 

$2,620

5.0

NerdWallet rating 

$1,575

*USAA homeowners policies are available only to active military, veterans and their families.

More about the best home insurance companies in Michigan

See more details about each company to help you decide which one is best for you.

insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

If you prefer working directly with an agent, State Farm may be the company for you. It has a wide network of agents throughout Michigan.

State Farm offers identity theft coverage and discounts for bundling your home with another insurance policy, installing home security devices like smoke or burglar alarms, plus a discount for installing impact-resistant roofing shingles.


insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb caters to high-value homes and boasts strong customer satisfaction. Its policies are available only through agents.

Chubb home insurance comes with great features, including extended replacement cost coverage so you can rebuild your home up to current building codes in the event of a claim and get replacement cost value for your belongings. The company also offers a wide range of liability limits, from $1 million to $100 million.

Learn more about the company with our Chubb home insurance review.


insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.

Learn more about the company with our Farmers home insurance review.


insurance-product-card-logo

Frankenmuth

4.5

NerdWallet rating 
Small regional insurer that sells homeowners insurance through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Frankenmuth

4.5

NerdWallet rating 
Small regional insurer that sells homeowners insurance through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

If you’re looking for a local option, consider Michigan-based Frankenmuth. It sells policies through local independent agents and has been in business since 1868.

You may be able to save money on a Frankenmuth homeowners policy by bundling it with auto insurance, having protective devices in your home, or going a certain amount of time without filing a claim. The company has two homeowners coverage packages — one for standard homes and one with extra features for higher-value houses.


insurance-product-card-logo

Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance works with local independent agents to sell its policies. You can choose from several add-ons for your policy, including coverage for identity theft, personal cyberattacks and damage from water backups.

People with high-value homes can opt for a more comprehensive coverage package that may include things like guaranteed replacement cost coverage for their home. With this coverage, the company will pay whatever it takes to rebuild your house after a covered disaster, even if the amount is above your policy limit.

Check out our Cincinnati home insurance review to learn more.


insurance-product-card-logo

Hanover

4.5

NerdWallet rating 
Best for homeowners looking for many ways to customize their policy.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Hanover

4.5

NerdWallet rating 
Best for homeowners looking for many ways to customize their policy.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of coverage options for things like guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.

The Hanover sells policies exclusively through local independent agents. This means online quotes aren’t available, but you can get personal service to help you choose the right coverage.

Learn more about the company with our Hanover home insurance review.


insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a “replacement cost” basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

Learn more about the company with our USAA home insurance review.


How much does homeowners insurance cost in Michigan?

The average annual cost of home insurance in Michigan is $1,345. That’s 26% less than the national average of $1,820.

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 $3,580 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 166% more than those with good credit.

Average cost of homeowners insurance in Michigan by city

What you pay for home insurance depends on where you live in Michigan. For example, the average cost of homeowners insurance in Detroit is $2,370 per year, while homeowners in Grand Rapids pay $1,215 per year, on average.

City

Average annual rate

Average monthly rate

Ann Arbor

$1,135

$95

Battle Creek

$1,310

$109

Canton

$1,285

$107

Clinton Township

$1,355

$113

Dearborn

$1,700

$142

Detroit

$2,370

$198

Farmington

$1,520

$127

Flint

$1,825

$152

Grand Rapids

$1,215

$101

Holland

$1,155

$96

Jackson

$1,315

$110

Kalamazoo

$1,225

$102

Lansing

$1,265

$105

Livonia

$1,495

$125

Macomb

$1,315

$110

Muskegon

$1,355

$113

Rochester

$1,420

$118

Saginaw

$1,415

$118

Southfield

$1,765

$147

Sterling Heights

$1,335

$111

Troy

$1,420

$118

Utica

$1,315

$110

Warren

$1,505

$125

Westland

$1,635

$136

Ypsilanti

$1,305

$109

The cheapest home insurance in Michigan

Here are the insurers we found with average annual rates below the Michigan average of $1,345.

Company

NerdWallet star rating

Average annual rate

Meemic

Not rated

$740

Frankenmuth

4.5

NerdWallet rating 

$1,040

Westfield

4.0

NerdWallet rating 

$1,060

Not rated

$1,100

Pioneer State

Not rated

$1,105

5.0

NerdWallet rating 

$1,105

Fremont

Not rated

$1,135

Wolverine Mutual

Not rated

$1,150

Auto Club Group (AAA)

4.0

NerdWallet rating 

$1,260

4.5

NerdWallet rating 

$1,290

What to know about Michigan homeowners insurance

Here are a few things to keep in mind when evaluating home insurance options in Michigan.

Flooding

Michigan does experience flooding, and homeowners insurance typically won’t cover the resulting damage. If you live in a high-risk zone for flooding, such as along a lake or river, your mortgage lender will likely require you to purchase flood insurance. But you could be at risk no matter where you live, so flood insurance may still be worth considering. 

You can use the Federal Emergency Management Agency's flood maps or check RiskFactor.com to see the likelihood of flooding in your area.

Tornadoes

Michigan sees an average of about 15 tornadoes per year. 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 are common in Michigan and could lead to problems like pipes bursting or tree branches falling on your home. 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’re unable to 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 Department of Insurance and Financial Services

You can file a complaint against your insurance company or learn more about how home insurance works from Michigan’s Department of Insurance and Financial Services. Its website lets homeowners submit a complaint electronically, plus offers information about home insurance laws and where to shop for a policy. Assistance is available by calling 877-999-6442.

Looking for more insurance in Michigan?

Frequently asked questions

Home insurance isn’t required by law in Michigan. But if your home is financed, your mortgage lender will likely require that you carry it. Home insurance can be a good idea even if you don’t have a mortgage since an unexpected disaster could result in damage that is expensive to repair. For more information, read Is Homeowners Insurance Required?

Michigan home insurance costs an average of $112 per month, or $1,345 per year, for homeowners with $300,000 in dwelling and liability coverage, no recent claims and a $1,000 deductible.

Your home insurance policy may cover mold if it comes from an incident your policy covers. For example, most home insurance policies will pay for damage from a burst pipe, so they may also pay to get rid of any resulting mold. But insurance doesn’t cover maintenance, so if your basement gets moldy because you failed to run a dehumidifier, you’ll likely have to clean it up yourself. Learn more about if homeowners insurance covers mold.

Methodology

NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

DIVE EVEN DEEPER IN INSURANCE
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.