Michigan Homeowners Insurance

Shopping for homeowners insurance doesn’t need to be complicated. Compare rates from Michigan by city and carrier below.

How to find cheap home insurance in Michigan


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners policy protects your home and your items in the event of a variety of misfortunes, including wind damage, fire, theft, vandalism, and others.

Discrepancies exist in homeowners insurance costs from state to state. Homeowners prices by state vary depending on the number and value of home insurance claims submitted statewide, and depend on the value of the dwelling and belongings being insured.

The best way to get a cheap home insurance policy in Michigan is to view prices from a variety of insurance companies. Find out average home insurance rates in Michigan by reviewing the below data. Individual rates may vary depending on coverage options.


Michigan home insurance:
  1. Rates by company
  2. Rates by city
  3. Bundling home and auto insurance


Home insurance rates in Michigan by insurance company

Rates for homeowners insurance in Michigan can vary depending on the insurance company you select. Meemic underwrites the most affordable homeowners insurance in Michigan, at only $635 per year. This compares favorably to the state average price of $1,176, providing a $541 discount on rates typical to the state.

Begin the hunt for cheap homeowners insurance by viewing average rates from top Michigan insurance companies, listed below.


CHEAPEST HOME INSURANCE COMPANIES IN MICHIGAN
CompanyAverage Annual Rate in Michigan
Meemic$634.84
Farmers$884.18
Safeco$913.64
AAA$954.49
Frankenmuth Insurance$989.88


Michigan home insurance prices by city

Not all Michigan cities have the same homeowners insurance rates. Home insurance prices can vary based on locally specific variables such as the likelihood of weather-related claims in the area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest home insurance in Michigan is found in Ann Arbor. An average homeowners insurance policy in Ann Arbor costs just $856 each year — $320 less than the average homeowners policy in other Michigan cities. The below cities have the most affordable home insurance in Michigan.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN MICHIGAN
CityAverage Annual Home Insurance Rate
Ann Arbor$856.09
Wyoming$862.65
Kentwood$911.19
Grand Rapids$914.56
Kalamazoo$954.63


How to save: bundle home and auto insurance in Michigan

If you want to save on homeowners insurance, consider purchasing both your home and auto insurance policies from one company. Bundling auto and homeowners insurance in Michigan can lead to substantial savings on car insurance. Purchasing bundled policies in Michigan leads to a yearly savings of $299.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN MICHIGAN
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$2,599.00$2,300.00$299.0013%


A great way to save is to bundle your home and auto insurance policies. Find a policy today!


Compare rates from top car insurance companies.

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