Michigan homeowners insurance

How you're covered

A typical policy in Michigan may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided. Learn more about how a homeowners policy works.

More ways to stay covered in Michigan

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Michiganders may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy, where available, may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Michigan?

The average cost of homeowners insurance in Michigan is about $1,258.56 annually, or $104.88 per month.^* Learn about the factors that influence the cost of homeowners insurance.

Helping you save on homeowners insurance in Michigan

Bundling home and auto insurance in Michigan is an easy way to save on your homeowners insurance. You may also be able to get discounts for safety and alarm systems, paying your policy in full, and more. Learn more about how homeowners insurance discounts can help you save.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or find a local agent in Michigan.

Is homeowners insurance required by law in Michigan?

There are no Michigan laws that require you to have homeowners insurance. But mortgage lenders usually make it a condition of your home loan, whether you're buying or refinancing.