The Best Home Insurance in Michigan for 2025
Chubb and Amica are among the best home insurance companies in Michigan.Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Why trust NerdWallet
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More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
Chubb and Amica are among the best home insurance companies in Michigan, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Michigan. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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Here's more information about the best homeowners insurance companies in Michigan.

Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review

Auto-Owners
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or equipment breakdown (the failure of home appliances). Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
» READ MORE: Auto-Owners homeowners insurance review

Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.
Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.
» READ MORE: Chubb homeowners insurance review

Allstate
Widely available across the U.S. with lots of ways to customize your policy.- Lots of discounts to help you save.
- Home-sharing coverage available.
- Many ways to customize your coverage.
- Ranked below average in J.D. Power’s 2024 U.S. Home Insurance Study.
Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.
You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.
» READ MORE: Allstate homeowners insurance review

Auto Club Group
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.- Many coverage options and discounts available.
- AAA membership includes roadside assistance and other benefits.
- Fewer consumer complaints than expected for a company of its size.
- A membership fee may be required.
- May have to switch insurers if you move states.
- Restricts coverage for certain dog breeds.
Auto Club Group is one of several companies selling AAA-branded homeowners insurance policies. Options may include coverage for underground utility lines that serve your home, major appliances that break down or flood damage in lower-risk areas.
You may be able to save on your premiums by bundling home and auto insurance. However, you’ll want to weigh the savings against the cost of AAA membership, which may be required in order to buy a policy.
» READ MORE: AAA homeowners insurance review

Cincinnati Insurance
Sells homeowners policies through local independent agents across the U.S.- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Has special coverage packages for higher-value homes.
- No online quotes.
Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.
Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.
» READ MORE: Cincinnati Insurance homeowners insurance review
Farmers
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.- Several coverage options can help save money.
- Less common coverage options are available.
- Discounts for nonsmokers and members of certain professions.
- Tends to be more expensive than many competitors.
- Ranked below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.
Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy coverage for water damage caused by backed-up drains or sewer lines.
» READ MORE: Farmers homeowners insurance review

Frankenmuth
Small regional insurer that sells homeowners insurance through independent agents in select states.- Various ways to customize your policy.
- Draws very few consumer complaints for an insurer of its size.
- Offers online claims filing.
- Doesn't offer online quotes.
If you’re looking for a local option, consider Frankenmuth. It sells policies through independent agents and has been in business since 1868.
You may be able to save money on a Frankenmuth homeowners policy by bundling it with auto insurance, having protective devices in your home or going a certain amount of time without filing a claim. The company has two different homeowners coverage packages — one for standard homes and one with extra features for higher-value houses.
» READ MORE: Frankenmuth homeowners insurance review

The Hanover
Best for homeowners looking for many ways to customize their policy.- Extensive list of coverage options.
- Far fewer consumer complaints than expected for a company of its size.
- Comprehensive package available for high-value homes.
- No online quote option.
- Poorly rated mobile app.
The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of options such as guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.
The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.
» READ MORE: Hanover homeowners insurance review

Nationwide
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.- Offers free smart device to prevent electrical fires in many states.
- Many discounts available.
- Website offers lots of useful features and information.
- Doesn't insure mobile or manufactured homes.
We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.
Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.
» READ MORE: Nationwide homeowners insurance review
State Farm
Well-established insurer with a lengthy list of coverage options.- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Advertises fewer discounts than some other insurers.
State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
» READ MORE: State Farm homeowners insurance review
Travelers
Offers lots of coverage options, decent discounts and a strong online experience.- User-friendly features on website and app.
- Discounts for eco-friendly homeowners.
- Draws fewer consumer complaints than expected for a company of its size.
- Doesn’t insure mobile or manufactured homes.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
» READ MORE: Travelers homeowners insurance review

USAA
Offers perks and affordable rates for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
How much does homeowners insurance cost in Michigan?
The average annual cost of home insurance in Michigan is $1,785. That’s 7% less than the national average of $1,915.
In most U.S. states, including Michigan, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Michigan, those with poor credit pay an average of $3,240 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 82% more than those with good credit.
Average cost of homeowners insurance in Michigan by city
What you pay for home insurance depends on where you live in Michigan. For example, the average cost of homeowners insurance in Detroit is $3,015 per year, while homeowners in Grand Rapids pay $1,350 per year, on average.
City | Average annual rate | Average monthly rate |
---|---|---|
Ann Arbor | $1,320 | $110 |
Battle Creek | $1,535 | $128 |
Canton | $1,565 | $130 |
Clinton Township | $1,535 | $128 |
Dearborn | $2,165 | $180 |
Detroit | $3,015 | $251 |
Farmington | $1,760 | $147 |
Flint | $2,075 | $173 |
Grand Rapids | $1,350 | $113 |
Holland | $1,340 | $112 |
Jackson | $1,550 | $129 |
Kalamazoo | $1,445 | $120 |
Lansing | $1,640 | $137 |
Livonia | $1,625 | $135 |
Macomb | $1,480 | $123 |
Muskegon | $1,620 | $135 |
Rochester | $1,545 | $129 |
Saginaw | $1,685 | $140 |
Southfield | $2,145 | $179 |
Sterling Heights | $1,535 | $128 |
Troy | $1,570 | $131 |
Utica | $1,490 | $124 |
Warren | $1,810 | $151 |
Westland | $1,890 | $158 |
Ypsilanti | $1,460 | $122 |
The cheapest home insurance in Michigan
Here are the insurers we found with average annual rates below the Michigan average of $1,785.
Company | NerdWallet star rating | Average annual rate |
---|---|---|
Hastings Mutual | Not rated | $1,015 |
Fremont | Not rated | $1,285 |
Not rated | $1,290 | |
$1,450 | ||
Wolverine Mutual | Not rated | $1,530 |
$1,560 | ||
Pioneer State | Not rated | $1,650 |
Auto Club Group (AAA) | $1,725 | |
Meemic* | Not rated | $1,030 |
*Meemic homeowners insurance is available only to teachers and other school employees. |
Common risks for Michigan homeowners
Here are a few things to keep in mind when evaluating home insurance options in Michigan.
Flooding
Homeowners insurance typically won’t cover damage caused by flooding. If you live in a high-risk zone for flooding, such as along a lake or river, your mortgage lender will likely require you to purchase flood insurance. But you could be at risk no matter where you live, so flood insurance may still be worth considering.
To assess your flood risk, look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.
Tornadoes
A standard homeowners insurance policy covers tornado damage, along with any additional living expenses you might have if you have to move out of your home after the storm.
Winter storms
Snow, ice and frigid temperatures could lead to problems like pipes bursting or tree branches falling on your home. Homeowners insurance will generally cover this type of damage, as long as it wasn’t due to your negligence.
Say you turn your thermostat down too low while you’re away from home for a few days. Your insurer might refuse to pay for damage from a burst pipe because you could have prevented it.
Michigan Basic Property Insurance Association
If you’re unable to find an insurance company to insure your home, work with an agent to apply to the Michigan Basic Property Insurance Association. MBPIA is the state’s insurer of last resort, offering coverage to those who can’t get it in the private market.
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Answer a few questions to see custom quotes and find the right policy for you.Michigan Department of Insurance and Financial Services
Michigan’s Department of Insurance and Financial Services can help you file a complaint against your insurance company or learn more about how home insurance works. Its website lets homeowners submit a complaint electronically, plus offers information about home insurance laws and where to shop for a policy. Assistance is available by calling 877-999-6442.
- Looking for more insurance in Michigan?
- Find home insurance in other states
Frequently asked questions
Is home insurance required in Michigan?
Is home insurance required in Michigan?
Home insurance isn’t required by law in Michigan. But if you’ve financed your home, your mortgage lender will likely require you to have a policy. Home insurance can be a good idea even if you don’t have a mortgage since an unexpected disaster could result in damage that is expensive to repair. For more information, read Is Homeowners Insurance Required?
How much is home insurance in Michigan per month?
How much is home insurance in Michigan per month?
Michigan home insurance costs an average of $149 per month, or $1,785 per year, for homeowners with $300,000 in dwelling and liability coverage, no recent claims and a $1,000 deductible.
Does homeowners insurance cover mold in Michigan?
Does homeowners insurance cover mold in Michigan?
Your home insurance policy may cover mold if it comes from an incident your policy covers. For example, most home insurance policies will pay for damage from a burst pipe, so they may also pay to get rid of any resulting mold. But insurance doesn’t cover maintenance, so if your basement gets moldy because you failed to run a dehumidifier, you’ll likely have to clean it up yourself. Learn more about whether homeowners insurance covers mold.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.