Shop multiple homeowners insurance carriers on one place providing service and consultation from a licensed Michigan agent.

Michigan Homeowners Insurance Quotes

For all Michigan homeowners shopping for home insurance in "The Great Lake" state, you can use our service and allow us to provie great rates for your home. Our free home insurance shopping service allows you to get the best coverage while comparing affordable rates and premiums. We can provide multiple home insurance quotes under major carriers like Travelers, AAA Insurance, American Modern and many more. Our services have been helping Michigan homeowners since 1998. Our main office in Macomb, MI opened in 2011.

Please call 586-741-8020 today or shop online by entering your zip code to start a free quote. Our consultation service is free and our local agents know the coverage and discount options available to you. You will value the service and guidance our Michigan licensed agents will be able to provide.

About Michigan

Michigan is the 9th most populous state of the 50 United States. The capital is Lansing which is located in the center of the state while the largest populated city is Detroit. Our home insurance shopping service provides competitive rates for homeowners across the state of Michigan. Start Your Quote Today!

Average Homeowners Insurance Premiums in Michigan

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Michigan homeowners are paying on average. Did you know that the average homeowners insurance premium in Michigan is $1002? Michigan is now ranked 36 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Michigan is 23.57% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1002 (0.3%)$ 8436
2019$999 (1.8%)$ 8335
2018$981 (4.06%)$ 8238
2017$942 (-1.06%)$ 7938
2016$952 (4.73%)$ 7937

When we combine the state averages over the last decade, the Michigan overall average is estimated to be around $943.87. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Michigan current state rank compare to the rest of the country is #36. Consider shopping your Michigan home insurance with us so we can help you save up to 40% or more on your policy.

Michigan Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Michigan Housing & Real Estate Data

Total Housing Units4532233
Occupied Housing Units3872508
Vacant Housing Units659725
Vacant Housing Units for Rent141687
Vacant Housing Units Rented Not Occupied6684
Vacant Housing Units For Sale77080
Vacant Housing Units Sold Not Occupied17978
Vacant Housing Units For Seasonal Occasional Use263071
Vacant Housing Units All Other Vacants153225
Housing Units Homeowner Vacancy Rate Percent2.7
Housing Units Rental Vacancy Rate Percent11.5
Housing Tenure Occupied Units3872508
Housing Tenure Occupied Units Owner Occupied2793342
Housing Tenure Occupied Units Owner Occupied Population7183134
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.57
Housing Tenure Occupied Units Renter Occupied1079166
Housing Tenure Occupied Units Renter Occupied Population2471438
Housing Tenure Occupied Units Renter Occupied Average Household Size2.29

Understanding Michigan Homeowners Insurance

When shopping for Michigan homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Michigan renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Michigan, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Michigan rates and coverage options.