The Best Michigan Homeowners Insurance Companies

Michigan is one of the most affordable states to be a homeowner. While the average homeowners insurance in the U.S. costs $1,228, Michigan is far more affordable at $1,073 per year. There are many options you can choose from for your home insurance provider, but not all of them will provide the level of protection that you need.

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    America’s top-rated home insurance

    • Policies starting at just $25/month
    • Sign up in seconds, claims paid in minutes
    • Zero hassle, zero paperwork

    For the top picks for the best home insurance providers in Michigan, we used our SimpleScore system that measures and reviews insurance providers based on discounts, coverage, customer satisfaction, accessibility and customer support.

    In this article

      The 6 best home insurance companies in Michigan

      Best mobile tools – State Farm

      Break out your computer, because with its many online tools, State Farm is the perfect pick when you prefer digital management of your insurance policy.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4 / 5.0
      close
      SimpleScore State Farm 4
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      No matter where you live, State Farm has the right dwelling coverage for you with unique coverage for those who live in a condo, mobile home, ranch or farm. Resources are fantastic with several digital tools to help you organize and shop the right coverage for your specific home, even including a digital inventory that you can revisit later when you need to file a claim. This could be why State Farm holds top scores from J.D. Power and AM Best for efficient claims processing and customer satisfaction.

      Best coverage – Progressive

      Discounts are limited with Progressive, but rates are low enough that you may not notice.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Progressive 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      Progressive offers excellent transparency for its Michigan homeowners. There is a super convenient tool on the website that allows you to see what the average cost of homeowners insurance is in each state, so you immediately know if you are paying too much. Policies include additional coverage like medical expenses and additional living expenses with a far more generous allotment in personal property coverage than you may be accustomed to and Guaranteed Replacement for your home.

      Best for military members and veterans – USAA

      USAA holds the industry’s best ratings for customer service, but you have to be a member of the military to benefit from its services.

      J.D. Power Rating
      5/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA+
      SimpleScore
      4.6 / 5.0
      close
      SimpleScore USAA 4.6
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 5
      Support 5
      Accessibility 5

      With USAA, you get everything you need: comprehensive coverage, affordable insurance rates and fast claims processing. Its unique coverage is designed to specifically accommodate the needs of the military, such as military uniform replacement and warzone coverage. Yet despite this kind of detailed protection, insurance premiums remain surprisingly affordable. The customer service is unmatched, too, with top ratings in user satisfaction.

      Best for customization – Farmers

      Farmers is a fantastic choice for multi-faceted coverage, but don’t expect too much in the way of customer service.”

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore Farmers 3.2
      Discounts 2
      Coverage Options 3
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      Farmers give you extra kinds of coverage that are not commonly found with most insurance providers, like its Eco-Build option that will rebuild your home with eco-friendly materials. You also can benefit from claims forgiveness with your first claim, a unique feature most providers do not offer. With the Farmers’ online Inner Circle, you receive access to tons of helpful educational resources and checklists to help you keep your policy organized and your rates low with extra tips.

      Best discounts – Auto-Owners

      Download the Android or Apple mobile app to file claims and make changes to your policy on the go.

      J.D. Power Rating
      4/5
      AM Best Rating
      A++
      Standard & Poor’s
      N/A
      SimpleScore
      4 / 5.0
      close
      SimpleScore Auto-Owners 4
      Disconts 5
      Coverage Options 4
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      Auto-Owners Insurance maintains excellent ratings for both customer satisfaction and claims handling. Coverage includes all of the standard coverage in addition to guaranteed home replacement cost. You can also add sewer and drain water backup protection, two forms of coverage recommended for Michigan homeowners. We love the user-friendly website that gives you all of the tools and resources you need to protect you and your family. Don’t forget to ask about the many discounts available, too!

      Best local provider – Meemic Insurance Company

      It pays to be a teacher in Michigan with current and retired teachers earning excellent coverage, affordable rates and exclusive discounts with Meemic Insurance.

      J.D. Power Rating
      N/A
      AM Best Rating
      A++
      Standard & Poor’s
      N/A
      SimpleScore
      2.8 / 5.0
      close
      SimpleScore Meemic Insurance Company 2.8
      Discounts 4
      Coverage 2
      Customer Satisfaction N/A
      Support 3
      Accessibility 2

      In addition to its many discounts, Meemic Insurance offers exclusive coverage for educators by educators. As a specialized insurance provider, you will not find them rated by popular services like J.D. Power. Still, customer reviews make it clear that the service is fantastic and the coverage thorough. For even more savings, you can bundle with other kinds of insurance like boat, auto, home, life, motorcycle and umbrella insurance.

      Find the Best Home Insurance in Michigan

      Save money on home insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by HomeInsurance.com (NPN: 8781838)

        America’s top-rated home insurance

        • Policies starting at just $25/month
        • Sign up in seconds, claims paid in minutes
        • Zero hassle, zero paperwork

        How much does home insurance cost in Michigan?

        Progressive considers Michigan a medium cost-state with an average monthly rate of $101 for home insurance.

        The cost of insurance in Michigan depends on a variety of factors. Where you live is one major determinant. Some locations face worse weather conditions, crime and other hazards that can affect the safety of your home more than other sheltered or well-policed areas. The type of home that you own can impact your insurance rates, because insurance providers will look at things like your home’s size, value and how it is built. Some homes may be more susceptible to damage than others.

        Your insurance provider will also consider your claims history to determine how frequently you have filed claims in the past. This will give them a good idea of how likely you are to file claims in the future.

        Michigan average full coverage home insurance cost per carrier

        Insurance CompanyMichigan Full avg. cost Michigan Full monthly avg. cost Michigan full weekly average.
        State Farm$2,406$200.50$50.13
        Progressive$1,213$101.09$25.27
        USAA$1,027$85.58$21.40
        Farmers$2,373$197.75$49.44
        Auto-Owners Insurance$310$25.83$6.46
        Meemic Insurance$915$76.25$19.06

        The cheapest home insurance in Michigan

        The cost of home insurance in Michigan varies wildly depending on which provider you choose. Auto-Owners Insurance offers the cheapest homeowners insurance by far, beating the next cheapest policy rate by several hundred dollars.

        Many of the cheapest insurance providers in Michigan are also local and regional providers, offering greater personalized care with your purchase.

        RankCompany name Avg. annual premium 
        1Auto-Owners Insurance$310
        2Meemic Insurance Company$915
        3USAA$1,027
        4American Select Insurance Company$1,038
        5Chubb$1,399
        6Frankenmuth Mutual Insurance Company$1,498

        The cheapest home insurance in Michigan, by city

        Michigan has many pockets and corners throughout the state, and not all areas cost the same for your home insurance. Ann Arbor and Holland come in as the cities with the cheapest home insurance in Michigan, but Portage, Kentwood and Midland all offer rates below $1,155 for your policy.

        City Avg. annual premium 
        Ann Arbor$1,016
        Holland$1,092
        Portage$1,108
        Kentwood$1,154
        Midland$1,154

        Choosing your provider

        There are many local home insurance providers available in the state of Michigan, which raises an important question. Which is better for your home insurance: a regional or national insurance carrier?

        There are some distinct differences between the two.

        Local carrier

        Pros

        • Tend to offer better customer service with higher ratings than national carriers
        • Representatives have personalized knowledge of the area and its risks

        Cons

        • Slower claims processing
        • More cases of fraud or bankruptcy

        National carrier

        Pros

        • More advanced resources especially where online and mobile tools are concerned
        • Can have super-fast claims processing

        Cons

        • Can have poor customer service with limited or lack of personal support
        • Offer more generalized coverage and support without local know-how

        Things to know about home insurance in Michigan

        The basic homeowners insurance policy generally comes standard with certain protections. Your dwelling insurance usually ranges from $100,000 to $300,000 in coverage, and can include a combination of more specific types of coverage like other structures, personal property and loss of use. Policies also typically include liability and medical payment coverage. The amount of your deductible can also affect how much you pay for your insurance premium each month.

        Michigan is one of the more inexpensive states to buy a homeowners insurance policy, so you always have the option to purchase additional insurance as needed. Flood insurance is one kind of coverage that does not typically come included with a basic homeowners policy, and lack of coverage can be a costly mistake should you experience a bad storm. With snow, ice and regular rain, floods can easily occur in Michigan and cause significant damage to your property.

        Find the Best Home Insurance in Michigan

        Save money on home insurance with our simple comparison tool.

        Matching you with providers.
        We found results in
        Click at least 2-3 companies to find the very best rate.

          Powered by HomeInsurance.com (NPN: 8781838)

          America’s top-rated home insurance

          • Policies starting at just $25/month
          • Sign up in seconds, claims paid in minutes
          • Zero hassle, zero paperwork

          Additional home insurance coverage in Michigan

          While Michigan does not place high for hurricanes and earthquakes, it does experience some of the worst winters in the country. It is prone to high winds, cold temperatures and heavy precipitation, all of which can cause severe damage to your home if caught in the wrong storm. Because of this, Michigan homeowners tend to file more claims for storm-related damages and also face higher premiums than other states that experience less severe weather.

          That is why it is important to consider weather-related damages when you are shopping for home insurance. You should explore the available insurance options from your provider, including things like flood insurance and roof coverage. Even if it is not included in basic coverage, you may be able to purchase extra insurance coverage from your insurance provider to protect your home from these elements. Even if it carries a deductible that is higher than you are used to, it will still save you hundreds and even thousands of dollars should your home be affected by a bad storm.

          Michigan home insurance FAQs

          You are not required by law to carry homeowners insurance on your Michigan home. Instead, it is often a mandate decreed by your mortgage lender in order to protect your property and their interest in it. Regardless of whether it is required, you should always protect your home with the proper amount of insurance so you don’t face financial liability in the event of an accident.

          The average premium of a Michigan home insurance policy costs $1,073 per year, which is much lower than the national average of $1,288. The cost of your homeowners insurance policy may vary depending on where you live, what kind of home you have and how much liability insurance you need.

          Michigan Basic Property Insurance is coverage created and provided by the Michigan Basic Property Insurance Association (MBPIA), ensuring that everyone can have access to legitimate home insurance. This special insurance is similar to typical HO-2 and HO-3 policies from regular providers, and it covers all kinds of properties, including single-family homes, condominiums and even commercial property.

          We welcome your feedback on this article and would love to hear about your experience with the home insurance companies we recommend. Contact us at inquiries@thesimpledollar.com

          Methodology

          SimpleScore

          The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
          For every review, our editorial team:

          • Identifies five measurable aspects to compare across each brand
          • Determines the rating criteria for each aspect score
          • Averages the five aspect scores to produce a single SimpleScore

          Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

          Why do some brands have different SimpleScores on different pages?

          To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

          However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

          Discounts

          We looked at the number of discounts each company offers – more discounts mean a higher score.

          Coverage Options

          We awarded higher scores to the companies that offer more coverage options.

          Support

          We awarded higher scores to companies with the most channels for customer support.

          Customer Satisfaction

          We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

          Accessibility

          We looked at the level of accessibility of each company – the more resources they have the higher their score

          Lena Borrelli

          Contributing Writer

          Lena Borrelli is a Tampa-based freelance writer who has worked with leading industry titans, such as Morgan Stanley, Wells Fargo, and Simon Corporation. Her work has most recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate and Home Advisor, as well as many other websites and blogs around the world.

          Reviewed by

          • Nashalie Addarich
            Nashalie Addarich
            Insurance Editor

            Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.