The Best Home Insurance in Michigan for 2024

Chubb and Amica are among the best home insurance companies in Michigan.

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Written by Ben Moore
Assistant Assigning Editor
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Assistant Assigning Editor
Fact Checked

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

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Michigan. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$1,450

Auto Club Group (AAA)

4.5

NerdWallet rating 

$1,725

4.5

NerdWallet rating 

$2,055

4.5

NerdWallet rating 

$2,445

4.5

NerdWallet rating 

$1,560

4.5

NerdWallet rating 

$4,285

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$1,835

4.5

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$2,005

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

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)

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The best home insurance companies in Michigan

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

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Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

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Auto-Owners

5.0

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

Far fewer than expected

Auto-Owners

5.0

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

Far fewer than expected

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 equipment breakdown (the failure of home 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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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

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 owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage 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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Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home. Other, less common 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 for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

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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

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. Options may include coverage for underground utility lines that serve your home, major appliances that break down or flood damage in lower-risk areas.

You may 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.

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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

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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Farmers

4.5

NerdWallet rating 
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Farmers

4.5

NerdWallet rating 
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.

Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy coverage for water damage caused by backed-up drains or sewer lines.

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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

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 Frankenmuth. It sells policies through 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 different homeowners coverage packages — one for standard homes and one with extra features for higher-value houses.

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The Hanover

4.5

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

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Hanover

4.5

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

Coverage options

About 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 options such as 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. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.

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Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

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State Farm

4.5

NerdWallet rating