Michigan Homeowners Insurance

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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 surely 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?

Homeowners insurance in Michigan covers the structure of your house, your personal belongings and much more, including unexpected incidents that could occur on your property. While you get to choose the amount of coverage you enroll in, the following six coverages come standard in every 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

Structures on your property that aren’t connected to your househouse fall under this coverage. It includes things like fences, sheds and even satellite dishes. Coverage for these structures is typically up to 10% of the policy’s dwelling maximum.

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 pay to replace things like furniture, electronics, clothes and even items kept on the property, like lawnmowers.

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

This coverage can provide financial protection for accidents that occur on the policyholder’s property, damage to other people’s property and dog bites. It can help pay for medical expenses, legal fees and property damage if the policyholder is deemed liable.

Coverage F: Medical Payments

Similar to personal liability, medical payments to others 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.

Which Perils Are 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.

10 Named Perils Under HO-1:

  1. Vandalism
  2. Theft
  3. Damage caused by vehicles
  4. Damage caused by aircraft
  5. Rioting or civil disturbances
  6. Smoke damage
  7. Fire or lightning
  8. Windstorm or hail, such as a hurricane or tornado
  9. Explosions
  10. Volcanic eruptions

16 Named Perils Under HO-2:

  • (All 10 named perils under HO-1, plus the following)

  1. Frozen pipes
  2. Falling objects
  3. Damage caused by heating, air conditioning or plumbing
  4. Damage due to snow, ice or sleet
  5. Damage from water heater, including cracks, burns or tears
  6. 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.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.