Shopping for homeowners insurance doesn’t need to be complicated. Compare rates from Michigan by city and carrier below.
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. Home insurance defends your house and property in the event of an array of calamities, including theft, fire, vandalism, or wind damage.
Unlike auto insurance, homeowners insurance isn't priced based on state-level legislation. Even so, large gulfs exist in homeowners insurance rates from state to state. Home insurance policy rates in states may vary depending on the frequency of — and value of — home insurance claims filed across the state, and depend on the value of the belongings and structures covered by the policy.
The best way to find affordable homeowners insurance in Michigan is to get quotes from multiple companies. Find out typical homeowners insurance rates in Michigan via the below breakdown. Individual rates may vary depending on coverage options.
Rates for homeowners insurance in Michigan differ depending on the insurance company you select. Meemic provides the cheapest homeowners policies in Michigan, at only $635 per year. This compares favorably to the state mean cost of $1,176, offering a $541 price cut on average policy costs statewide.
Start your search for home insurance by reviewing the best Michigan carriers, detailed below.
| Carrier | Average Annual Rate in Michigan |
| Meemic | $634.84 |
| Farmers | $884.18 |
| Safeco | $913.64 |
| AAA | $954.49 |
| Frankenmuth Insurance | $989.88 |
Not all Michigan cities have the same homeowners insurance rates. Rates depend on city-specific variables like the number of claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.
The most affordable home insurance in Michigan is found in Ann Arbor. The average home insurance policy in Ann Arbor costs $856 every 12 months — $320 less than the state average. The below table shows the best places to live in Michigan if you’re looking for cheap homeowners insurance.
| City | Average Annual Home Insurance Rate |
| Ann Arbor | $856.09 |
| Wyoming | $862.65 |
| Kentwood | $911.19 |
| Grand Rapids | $914.56 |
| Kalamazoo | $954.63 |
If you're trying to save, consider purchasing both your car and home insurance policies from one company. Bundling homeowners and auto insurance in Michigan can save you a substantial sum each month on car insurance. In fact, bundling policies in Michigan leads to an a yearly discount of $299.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $2,599.00 | $2,300.00 | $299.00 | 13% |
A great way to save is to bundle your home and auto insurance policies. Find a policy today!
Seeking insights on home insurance in a specific city?
Yes, you can get homeowners insurance on a land contract but keep in mind the policy might be canceled if the property is not occupied.
Sinkholes are viewed and categorized in the same way as earthquakes - as "ground movement, " which will not be covered under homeowners insurance. You might be able to add an endorsement depending on your insurance company, or get a separate sinkhole policy.
