Best home insurance companies in Michigan
Michigan offers homeowners quality coverage from many insurance companies throughout the state. Choosing the right home insurance company depends on your specific circumstances and needs.
Best insurer for cheap rates: State Auto
State Auto has been in business since 1921 and offers coverage in 33 states, including Michigan. In 2022, the company became a part of Liberty Mutual, giving it strong backing for ongoing customer support and longevity for homeowners.
Customized policy options from basic protection to expanded high-limit coverage
Offers many discounts to help lower your home insurance costs
Self-guided property inspection app ensures proper insurance protection
A few types of coverage available only through insurance packages
Received 118 complaints in the last three years through the Better Business Bureau
Only agents and existing policyholders can get help through the website
Best large insurer: Liberty Mutual
Liberty Mutual is the sixth-largest property and casualty insurer in the world. It has a J.D. Power score of 805 for providing a satisfying purchase experience to customers.
Many types of coverages available to customize your policy
Variety of discounts to lower your premiums
Digital tools, including a mobile app, make managing your policy easier
Discounts may apply to specific coverages, and not all applicants qualify
Liability coverage not available for some dog breeds
More than 1,800 Better Business Bureau complaints filed in the last three years
Homeowners pay an average monthly premium of $140 for home insurance through Liberty Mutual. Your cost can vary depending on the location, home value, and coverage levels you select.
Best for wind and hail coverage: Safeco
Wind and hail are the most common causes of loss nationwide, according to the Insurance Information Institute.
“When compared to other states, Michigan is really lucky when it comes to natural disasters or its lack thereof,” says Ashley Jantovsky, a licensed insurance agent and founder of Perfect Price Insurance Agency LLC in Livonia, Michigan.
“Some of the most common weather-related losses in Michigan occur from wind and hail, freezing cold temperatures, rain, and snow.”
Safeco has a J.D. Power score of 809, which is slightly below the average of 819 for overall customer satisfaction, according to the 2022 U.S. Home Insurance Study.
Live video chats for damage assessment when filing a claim
Extended dwelling coverage available if the claim exceeds policy limits
Pay one deductible when the same event damages your home and car
Safeco policies cost an average of $363 per month for Michigan homeowners. It has the highest premiums based on an Insurify data analysis of Michigan homeowners insurance companies.
Best insurer for high-value homes: AIG Private Client Group
AIG Private Client Group provides the best protection for high-value homes in Michigan. The company specializes in high-value assets and risk management for personal liability. You can customize your coverage to include protection for your collections to protect your wealth and legacy.
Personalized coverage to protect against risks unique to each policyholder
Offers concierge-level claims service for high-value homes
Trusted by nearly 40% of the Forbes 400 Richest Americans
Higher premiums due to higher coverage amounts and policy limits
May need additional protection to insure coverage for art, collections, and other valuables
Will need to buy a separate policy to protect against floods
Best regional insurance company: Fremont Insurance
Headquartered in Fremont, Michigan, Fremont Insurance has been serving Michigan homeowners since 1876 and has a financial strength rating of A (Excellent) from A.M. Best.
Excellent financial strength rating from A.M. Best
Discounts for bundling, security or fire alarm system, and more
Variety of coverages available, including home, car, RV, snowmobile, and umbrella insurance
Must go through an agent to get a quote or buy a policy
Not accredited by the Better Business Bureau
Coverage is only available in Michigan and Wisconsin
Insurify’s team of data scientists analyze millions of home insurance quotes, and weigh publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. Our editorial team applies this insight to inform our unbiased reviews and recommendations.