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How to Get Affordable Home Insurance for Your Michigan

Buying home insurance doesn't have to be complicated. How to Get Affordable Home Insurance in Michigan Homeowners Insurance.

Homeowners home insurance is optional, but an important product that works to keep your belongings safe in the event your home or property is damaged by common incidents. Homeowners insurance protects your home and property against a variety of calamities, including theft, fire, vandalism, or wind damage.

Unlike auto insurance, home insurance is not priced based on state law. Still, there are significant discrepancies in homeowners insurance rates by state. Policy costs in a given state can vary based on the number and value of homeowners policy claims filed in that state, and depend on the value of the home and belongings you’re insuring.

The best way to purchase cheap Michigan home insurance is to get quotes from as many insurance companies as possible. Learn more about home insurance rates in Michigan by looking at the facts below. Remember: Your rates will vary, depending on your coverage limits.

Home Insurance in Michigan:

  • Rates per company
  • Rates by city
  • Fees per coverage amount
  • Rates by deductible level
  • Group
  • Frequent questions

Homeowner’s insurance prices in Michigan by the insurer

Michigan home insurance prices will vary depending on the insurance company you use. Meemic offers the most affordable home insurance in Michigan – just $635 a year. This compares favorably to the state median cost of $1,176, providing a $541 discount off the state median price.

Get a head start on your search for affordable coverage by reviewing the most affordable Michigan insurance companies, listed below.


Insurance company The average annual rate in Michigan
Meemic $635
farmers $884
Safeco $914
AAA $954
frankenmuth insurance $990

Homeowner’s insurance prices in Michigan by city

Michigan home insurance rates vary by city. Rates depend on city-specific variables, like the number of local claims filed, giving you the weight of your ZIP code in deciding how much you pay.

The cheapest home insurance rates in Michigan are in Ann Arbor. In Ann Arbor, the typical home insurance policy costs $856 per year, $320 less than the state average. The following cities have the most affordable homeowners insurance in Michigan.


City Average annual home insurance rate
Ann Arbor $856
Wyoming $863
Kentwood $911
big rapids $915
Kalamazoo $955

Michigan Home Insurance Costs by Coverage Limit

The amount of homeowners coverage you select has an impact on the insurance premiums you pay. In Michigan, carrying $100K of homeowners coverage costs an average of $527 per year, while carrying up to $400K of additional coverage costs $1,387/year.


Coverage level Annual average rate
$100,000 Housing $527
$200,000 Housing $836
$250,000 Housing $940
$400,000 Housing $1,387

Michigan home insurance deductibles

One of the decisions available when purchasing a homeowners insurance policy is how high to set your deductible. The deductible is the total dollar amount that the insured must contribute to cover a loss. Choosing where to set your deductible plays a big role in how much you pay for your homeowner’s policy.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, if you want lower insurance rates, aim for a higher deductible. Keep in mind that your deductible should only be set at the level you can reasonably pay in the event of a claim.

Below are some standard deductibles offered on most homeowner’s policies along with the related average insurance costs.


deductible amount Average annual home insurance rate
$500 $1,033
$1,000 $940
$1,500 $868
$2,000 $806
$5,000 $640

Insurance Packages for Homeowners and Automobiles in Michigan

If you want to save on home insurance, consider buying your auto and homeowners insurance policies from the same company. A Michigan auto and home insurance package can result in substantial savings on your auto insurance policy. Combined home and auto policies in Michigan generate average annual savings of $299.


Average Annual car insurance rate (without package) Average Annual car insurance rate (package) Annual savings per package Package Savings %
$2,599 $2,300 $299 13%

A great way to save is to combine your auto and home insurance policies. Start shopping today!

Looking for homeowners insurance information in a specific city?

  • Detroit

Michigan Homeowners Insurance FAQs

Can You Get Homeowners Insurance on a Michigan Land Contract?

Yes, you can get homeowners insurance on a land contract, but be aware that the policy could be canceled if the property is not occupied.

Do homeowners insurance cover sinkholes in Michigan?

Sinkholes are considered and categorized in the same way as earthquakes, such as “earth movement”, which will not be covered by homeowners insurance. You may be able to add an endorsement depending on your insurance company or get a separate sinking policy.

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