Michigan home insurance

Enter your ZIP Code to start your custom quote

Detroit International Riverfront at sunset

Michigan homeowners insurance coverage

Michigan homeowners face many challenges throughout the year. Harsh winters bring frozen pipes, ice dams, and snow. Hot summers mean thunderstorms and hail that unexpectedly can damage property. Liberty Mutual understands the needs of Michigan homeowners and offers customized homeowners insurance coverage to fit your specific situation.

What types of homeowners insurance coverages are recommended in Michigan?

The following insurance coverage comes standard with any homeowners policy:

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in Michigan:

  • Flood insurance: Homeowners insurance generally does not cover damage caused by floods, which have been an increasing problem in recent years from Metro Detroit to areas surrounding the Grand Rapids River. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

    Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

  • Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

Begin your free online quote

The following optional homeowners insurance coverages should be considered by all homeowners in Michigan:

  • Blanket Jewelry
  • Escape of Water
  • Personal Electronics Coverage

Is homeowners insurance required by law in Michigan?

No, homeowners insurance isn't required by law in Michigan, but your mortgage company will most likely require it in order to get a loan.

What is the average cost of homeowners insurance in Michigan?

The average cost of homeowners insurance in Michigan is $1,301 per year according to NerdWallet.2 That's 20% lower than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Still unsure about your homeowners insurance policy options?

Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in Michigan.

Loading...

Discounts that help you save

Loading...

Online Purchase Discount

You could save more when you get customized home insurance on LibertyMutual.com.3
Loading...

Bundle and Save

You could save $950 on customized auto and home insurance.4
Loading...

Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.

Ready to start a homeowners quote online?

Get a quote in minutes. Here's what you'll need:

  • Basic information about your property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status
  • Details about your home's construction and any safety features
  • If you have an existing homeowners insurance policy

Begin your free online quote

1Depending on where you live, you may be able to opt out of this coverage if you participate in your state's FAIR insurance plan for high-risk areas.
2Dollar values represent averages displayed on NerdWallet's website as of October, 2022. https://www.nerdwallet.com/article/insurance/average-homeowners-insurance-cost
3Discounts and savings are available where state laws and regulations allow, and vary by state. Certain discounts apply to specific coverages only.
4$950 Auto & Home Savings Figure: Average savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary. Comparison does not apply in MA.