Michigan Homeowners Insurance

Every resident of Michigan knows that the summers are incredible. But winters pose a greater task of taking on. Aside from all the frozen ponds for free pickup hockey games, all that snow and freezing weather in the Wolverine State can sure put a face to wintertime blues. It can also wreak havoc on your home. That’s why everybody who owns a house in the state needs to keep it protected with Michigan homeowners insurance.

From Detroit to Kalamazoo and anywhere else in the mitten and above, getting the best homeowners insurance in Michigan is all about knowing where to look. At Clovered, we’ve teamed up with the top homeowners insurance companies in Michigan so you can get the best price in a single place.

No more going from site to site. Our online quote engine finds the best policies at the best prices and puts them in a single place in minutes — so you can get back to living your life.

What’s Covered With a Michigan Homeowners Insurance Policy?

Coverage A – Dwelling

☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Homeowners Insurance in Michigan?

Since nearly every square inch of Michigan is at risk of heavy snowstorms that could damage a roof, bitter colds that could freeze your home’s pipes and many other perils, it’s important to know what’s covered with homeowners insurance in Michigan.

  • ☘ Vandalism
  • ☘ Theft
  • ☘ Damage caused by vehicles
  • ☘ Damage caused by aircraft
  • ☘ Rioting or civil disturbances
  • ☘ Smoke damage
  • ☘ Fire or lightning
  • ☘ Windstorm or hail, such as a hurricane or tornado
  • ☘ Explosions

  • ☘ Volcanic eruptions
  • ☘ Frozen pipes
  • ☘ Falling objects
  • ☘ Damage caused by heating, air conditioning or plumbing
  • ☘ Damage due to snow, ice or sleet
  • ☘ Damage from water heater, including cracks, burns or tears
  • ☘ Damage from electrical currents, such as downed powerlines

How Much Is Homeowners Insurance in Michigan?

The cost of average homeowners insurance in Michigan is about $1,100 per year, which is right at the national average. That policy reflects around $200,000 in dwelling coverage for the structure of your home, $30,000 in personal property protection for all your belongings you keep on the property and $100,000 in liability coverage in case that hockey game gets a little crazy and the next-door neighbor accidentally loses a tooth.

  • Cost of Average Homeowners Insurance in Michigan: $1,100 per year

How to Get the Best Homeowners Insurance in Michigan

From Grand Rapids to Mackinac Island and all the way back down to Detroit, getting the best homeowners insurance in Michigan is simple when you use Clovered’s proprietary online quoting tool.

Simply enter your address, answer a few questions about your property and you’ll be paired with a quote in minutes. You’ll get the coverage you need at the price you deserve, so you can get back to enjoying the amazing Michigan summers or frozen ponds in the winters.

It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.