The Best Home Insurance in Michigan for 2024

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

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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. That's compared to the national average of $1,820 per year.

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.

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The best homeowners insurance in Michigan

If you’re looking to buy homeowners insurance from a well-rated brand, consider one of these insurers, all of which have a NerdWallet star rating of 4.5 or higher.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$1,795

4.5

NerdWallet rating 

$1,040

4.5

NerdWallet rating 

$1,105

Auto Club Group (AAA)

4.5

NerdWallet rating 

$1,260

4.5

NerdWallet rating 

$1,290

4.5

NerdWallet rating 

$2,620

4.5

NerdWallet rating 

Not available

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.

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Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected
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Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb caters to high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners. Its home insurance policies come with some great perks, including extended replacement cost in case it costs more than your dwelling limit to rebuild your home after a disaster.

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


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Frankenmuth

4.5

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

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
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Frankenmuth

4.5

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

Coverage options

About 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.


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State Farm

4.5

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
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State Farm

4.5

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

State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.

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


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Auto Club Group

4.5

NerdWallet rating 
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected
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Auto Club Group

4.5

NerdWallet rating 
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Auto Club Group is one of several companies selling AAA-branded homeowners insurance policies. Rewards like cash back or credits toward your deductible may be available for going a year or more without a claim.

You may also be able to save on your premiums by bundling home and auto insurance. However, you’ll want to weigh the savings against the cost of AAA membership, which may be required in order to buy a policy.

Get more information in our AAA home insurance review.


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Cincinnati Insurance

4.5

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

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
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Cincinnati Insurance

4.5

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

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.


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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
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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.


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Auto-Owners Insurance

4.5

NerdWallet rating 
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Auto-Owners Insurance

4.5

NerdWallet rating 
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Based in Michigan, Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.

Auto-Owners sells homeowners insurance through independent agents.


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USAA

5.0

NerdWallet rating 
Offers perks for the military community.

Coverage options

About 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

About 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.


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

4.5

NerdWallet rating 

$1,040

Westfield

4.0

NerdWallet rating 

$1,060

Not rated

$1,100

Pioneer State

Not rated

$1,105

4.5

NerdWallet rating 

$1,105

Fremont

Not rated

$1,135

Wolverine Mutual

Not rated

$1,150

Auto Club Group (AAA)

4.5

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.

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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 2020-2022. 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.

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