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

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

  • Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

    According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

Michigan Housing & Real Estate Data

Details:Staticstics
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.