Best Homeowners Insurance Companies in Michigan (2025)
Allstate, Chubb, and State Farm are some of Michigan’s best home insurance companies. Protect your home from windstorms, ice, and other weather risks.
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Written byCarley Clark
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Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byChase Gardner
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Data reviewed byAndrew Huang
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
The cost of homeowners insurance in Michigan is $2,220 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible. This is lower than the national average of $2,532 per year for the same coverage. Rates can vary widely depending on your home’s age, location, and coverage level.
Michigan homeowners face weather challenges from severe storms to flooding caused by heavy rain and snowmelt. Whether you’re a Yooper or a Troll, here’s how to choose a policy that protects your home year-round in the Great Lakes State.
Quick Facts
Best home insurance companies in Michigan
Many quality companies offer homeowners insurance in Michigan, but the right one for you depends on your budget and the level of coverage you need. We’ve selected some of the best home insurance companies based on affordability, discounts, customer satisfaction ratings, coverage options, and more.
State Farm: Best for winter weather
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $397/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $537/mo |
Michigan ranks among the top 10 snowiest U.S. states, averaging 60–120 inches of snow per year. Extreme winter weather can lead to frozen pipes, ice dams, and roof collapses — all of which State Farm’s standard home insurance typically covers.
Between August 2022 and August 2023, State Farm paid more than $800 million in home insurance claims from cold weather, showing its ability to handle large losses during harsh winters. Its extensive network of agents makes it easy to buy coverage and file a claim.
Pros
Several homeowners insurance discounts available
Excellent mobile app ratings
Above-average J.D. Power customer satisfaction rating
Cons
Higher premiums than some other insurers
Customer service hours vary by agent
Negative Trustpilot rating
Chubb: Best for lakefront properties
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $140/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $232/mo |
Along with its Great Lakes, Michigan has 11,000 inland lakes and an extensive system of rivers and streams. If you own a waterfront home, you could face risks like rising water levels, shoreline erosion, and flooding.
Chubb’s optional Overland Water endorsement can protect your home and belongings from these perils. Its Masterpiece policy also includes extended replacement cost coverage, which pays to rebuild your home to its original condition — even if it exceeds your policy limits.
Pros
Optional endorsements for waterfront properties
Extended replacement cost coverage included
High J.D. Power customer satisfaction rating
Cons
Higher premiums than some other insurers
Lower Google Play rating than competitors
No customer service on Sunday
Farmers: Best for older homes
older homes
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $83/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $145/mo |
Many of Michigan’s homes are aging, especially in cities like Detroit and Grand Rapids. Older properties often have outdated plumbing, wiring, and roofs, which can increase rebuild costs and make it harder to find coverage.
Farmers Insurance offers specialty homeowners insurance, which covers older or lower-value homes. You can also add optional endorsements for aging houses, including guaranteed replacement cost, building ordinance or law coverage for code upgrades, and sewer and drain water damage protection.
Pros
Affordable premiums
Multiple available add-ons for older homes
Excellent mobile app ratings
Cons
Below-average J.D. Power customer satisfaction rating
No 24/7 customer service
Older homes may have higher rates
Allstate: Best for tornadoes and windstorms
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $108/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $168/mo |
Allstate’s standard homeowners insurance policies include coverage for tornadoes, high winds, hail, and lightning. This coverage is essential for Michiganders, who experience frequent severe weather. Policies can also pay for additional living expenses if your home becomes uninhabitable due to a covered peril.
With Allstate, you can customize your coverage limits and deductibles to build a policy that fits your budget. The company also offers extended replacement cost coverage, which pays to rebuild your home even if repair costs exceed your dwelling coverage limit.
Pros
Customizable coverage with optional add-ons
Several homeowners insurance discounts available
24/7 customer service
Cons
Lower Google Play rating than some competitors
Below-average J.D. Power customer satisfaction rating
Several Trustpilot reviews mention poor customer service and claims handling
Auto-Owners: Best for affordability
Auto-OwnersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $27/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $32/mo |
Headquartered in Lansing, Auto-Owners offers some of the most affordable home insurance premiums in Michigan. Policyholders can save even more through discounts for bundling policies, paying on time, enrolling in paperless billing, or paying annually.
Auto-Owners makes it easy to access your policy information and file a claim — either in person, by phone, or online. You can add optional protections like replacement cost, water backup, and extended personal property coverage. The company also provides specialty coverage for high-value homes, equipment breakdown, and home cyber protection.
Pros
Affordable premiums
Several homeowners insurance discounts available
Local agents familiar with Michigan weather risks
Cons
Lower mobile app ratings than competitors
Below-average J.D. Power customer satisfaction rating
No customer service available on weekends
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Michigan to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Michigan
The cost of home insurance depends on several factors, such as your ZIP code, the age of your home, and the coverage levels you choose. The table below shows some of the cheapest insurers in Michigan.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Auto-Owners | $324 |
| Farmers | $996 |
| Westfield | $1,152 |
| Allstate | $1,296 |
| USAA | $1,476 |
| Chubb | $1,680 |
| Encompass | $1,860 |
| State Farm | $4,764 |
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How much does homeowners insurance cost in Michigan?
Homeowners insurance in Michigan costs $2,220 per year, on average, for a policy with $300,000 of dwelling coverage and a $1,000 deductible, according to Insurify data.
Home insurance premiums can vary widely across the state. For example, lakeshore homes may have higher insurance rates due to risks like flooding and erosion. Many factors can affect what you’ll pay, including your:[3]
Location and ZIP code
Weather risks
Flood exposure
Policy limits
Deductible choices
Credit and claims history
Cheapest home insurance companies in Michigan by dwelling coverage
While home insurance costs can vary, you may find some of the cheapest dwelling coverage in Michigan from the following companies:
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Auto-Owners | $300 |
| Farmers | $684 |
| Allstate | $900 |
| Westfield | $984 |
| Chubb | $1,116 |
| USAA | $1,164 |
| Encompass | $1,452 |
| State Farm | $3,732 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Auto-Owners | $324 |
| Farmers | $996 |
| Westfield | $1,152 |
| Allstate | $1,296 |
| USAA | $1,476 |
| Chubb | $1,680 |
| Encompass | $1,860 |
| State Farm | $4,764 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Auto-Owners | $384 |
| Westfield | $1,368 |
| Farmers | $1,740 |
| Allstate | $2,016 |
| USAA | $2,016 |
| Encompass | $2,556 |
| Chubb | $2,784 |
| State Farm | $6,444 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Auto-Owners | $444 |
| Westfield | $1,668 |
| Farmers | $2,532 |
| USAA | $2,616 |
| Allstate | $2,892 |
| Encompass | $3,312 |
| Chubb | $4,200 |
| State Farm | $8,268 |
Michigan homeowners insurance costs by city
Home insurance rates in Michigan can differ significantly by city. For example, premiums for homeowners insurance in Detroit are typically higher due to older housing and higher crime rates. Ann Arbor, on the other hand, tends to be more affordable.
Prices can vary based on weather risks, home age, and proximity to lakes or flood zones. Below is a comparison of the average annual premiums between several Michigan cities.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Ann Arbor | $1,836 |
| Grand Rapids | $2,004 |
| Lansing | $2,196 |
| Flint | $2,448 |
| Detroit | $2,520 |
What homeowners should know about insurance in Michigan
Michiganders can enjoy the state’s natural beauty year-round, but it comes at a price. Consider these weather risks when choosing your home insurance coverage.
Flooding and water damage
Along the Great Lakes, Michigan’s thousands of inland lakes and rivers make flooding one of the state’s most common hazards.[4] In 2020, heavy rainfall caused catastrophic flooding in Midland County after dam failures, displacing more than 10,000 residents.
Standard home insurance usually doesn’t cover flood damage. If you live near a lake, river, or in a low-lying area, you should consider buying flood insurance through the NFIP. If you own an older home, you might also consider a water-backup endorsement for sump-pump or sewer overflows.
Winter weather
During the winter months, Michigan experiences extreme cold, ice, and heavy snowfall. One area of the Upper Peninsula recorded nearly 27 feet of snow in 2021–2022. Meanwhile, lower West Michigan can also receive significant amounts of lake effect snow.[5]
These winter conditions can cause frozen pipes, ice dams, and roof collapses, all of which home insurance typically covers. But it’s important to keep your home heated and clear snow buildup to avoid denied claims due to lack of maintenance.
Tornadoes and severe storms
The surrounding Great Lakes can intensify Michigan’s storms, leading to hail and the occasional tornado (about 15 per year, on average). These storms often cause roof, siding, and wind damage.
Most homeowners policies cover damage from hail and windstorms, but you should make sure your insurance includes detached structures like sheds or garages. You may qualify for homeowners insurance discounts by installing storm shutters or impact-resistant roofing.
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How much homeowners insurance do you need in Michigan?
State laws don’t legally mandate homeowners insurance in Michigan, but your mortgage company will likely require it.[6] When purchasing a policy, knowing exactly what home insurance covers is important to ensure you have enough protection.
Homeowners insurance policies typically include the following coverages:
Dwelling coverage
Dwelling coverage protects the structure of your property. Your homeowners insurance policy should cover the full cost to rebuild at today’s prices, known as replacement cost coverage.
Personal property coverage
Personal property coverage typically insures your belongings for up to 50%–70% of your policy’s dwelling coverage limit. You may want to extend limits for valuables like jewelry or antiques.
Liability coverage
Liability insurance can pay for legal claims if someone gets hurt on your property. While liability coverage limits start at $100,000, experts often recommend a limit of at least $300,000. You might consider adding an umbrella policy for additional protection.
Additional living expenses coverage
Loss of use coverage may reimburse you for additional living expenses, like temporary housing and meals, if you can’t stay in your home after a covered event causes damage.
How to contact the Michigan Department of Insurance
The Michigan Department of Insurance and Financial Services (DIFS) oversees the state’s insurance companies, banks, credit unions, and other financial service providers. DIFS helps consumers file complaints, verify licenses, and find information about insurance or financial products.
You can visit the DIFS website or contact the organization Monday through Friday between 8 a.m. and 5 p.m. Eastern time:
Phone number: 1 (877) 999-6442
Email address: [email protected]
Michigan homeowners insurance FAQs
Homeowners insurance in Michigan is a necessity to protect your property from storms, winter weather, and flooding. The information below can help you shop for the right home insurance policy.
Home insurance in Michigan costs $2,220 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible, Insurify data shows. Your rates depend on many factors, including your location and coverage selections.
While insurance rates can vary widely, Auto-Owners has the lowest home insurance in Michigan, averaging $27 per month.
No. Michigan doesn’t legally mandate homeowners insurance, but your lender will likely require it. Even if you don’t have a mortgage, home insurance is still a good idea to protect your investment.
You might lower your premiums by choosing a higher deductible, installing storm-mitigation upgrades, improving home security, and shopping around for the best homeowners insurance quote.
Your unique situation and coverage needs will determine the best insurer for you. Some of the top companies for homeowners insurance in Michigan include Allstate, Auto-Owners, Chubb, Farmers, and State Farm.
Home insurance rates are high in Michigan because many homes are older and storms are getting stronger due to climate change, making claims more frequent and costly.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Michigan.gov. "Tornadoes."
- Michigan.gov. "September 2025: Snow Professionals Appreciation Month."
- National Association of Insurance Commissioners. "Why Are My Insurance Premiums Increasing?."
- Michigan.gov. "Michigan's Rivers and Lakes."
- National Weather Service. "The Importance of Wind Direction in Forecasting Lake Effect Snow."
- Michigan Department of Insurance and Financial Services. "Information on Purchasing Home and Renters Insurance."
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Carley Clark
Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in