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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.
Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
---|---|---|---|
2020 | $1002 (0.3%) | $ 84 | 36 |
2019 | $999 (1.8%) | $ 83 | 35 |
2018 | $981 (4.06%) | $ 82 | 38 |
2017 | $942 (-1.06%) | $ 79 | 38 |
2016 | $952 (4.73%) | $ 79 | 37 |
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.
Find Local MI Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Alcona
- Alger
- Allegan
- Alpena
- Antrim
- Arenac
- Baraga
- Barry
- Bay
- Benzie
- Berrien
- Branch
- Calhoun
- Cass
- Charlevoix
- Cheboygan
- Chippewa
- Clare
- Clinton
- Crawford
- Delta
- Dickinson
- Eaton
- Emmet
- Genesee
- Gladwin
- Gogebic
- Grand Traverse
- Gratiot
- Hillsdale
- Houghton
- Huron
- Ingham
- Ionia
- Iosco
- Iron
- Isabella
- Jackson
- Kalamazoo
- Kalkaska
- Kent
- Keweenaw
- Lake
- Lapeer
- Leelanau
- Lenawee
- Livingston
- Luce
- Mackinac
- Macomb
- Manistee
- Marquette
- Mason
- Mecosta
- Menominee
- Midland
- Missaukee
- Monroe
- Montcalm
- Montmorency
- Muskegon
- Newaygo
- Oakland
- Oceana
- Ogemaw
- Ontonagon
- Osceola
- Oscoda
- Otsego
- Ottawa
- Presque Isle
- Roscommon
- Saginaw
- Saint Clair
- Saint Joseph
- Sanilac
- Schoolcraft
- Shiawassee
- Tuscola
- Van Buren
- Washtenaw
- Wayne
- Wexford
Michigan Homeowners Insurance News & Information
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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 […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]
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Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025
Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums. In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help. Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]
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Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025
Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year. With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]
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Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025
Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase? The increasing frequency of […]
Michigan Housing & Real Estate Data
Details: | Staticstics |
---|---|
Total Housing Units | 4532233 |
Occupied Housing Units | 3872508 |
Vacant Housing Units | 659725 |
Vacant Housing Units for Rent | 141687 |
Vacant Housing Units Rented Not Occupied | 6684 |
Vacant Housing Units For Sale | 77080 |
Vacant Housing Units Sold Not Occupied | 17978 |
Vacant Housing Units For Seasonal Occasional Use | 263071 |
Vacant Housing Units All Other Vacants | 153225 |
Housing Units Homeowner Vacancy Rate Percent | 2.7 |
Housing Units Rental Vacancy Rate Percent | 11.5 |
Housing Tenure Occupied Units | 3872508 |
Housing Tenure Occupied Units Owner Occupied | 2793342 |
Housing Tenure Occupied Units Owner Occupied Population | 7183134 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.57 |
Housing Tenure Occupied Units Renter Occupied | 1079166 |
Housing Tenure Occupied Units Renter Occupied Population | 2471438 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.29 |
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.