Michigan's exposure to all four seasons leaves homeowners vulnerable to damage from snow and ice in the winter to lightning, rainstorms, and flooding in the summer. Despite the changing weather, Michigan home insurance rates are steady and low by national standards. Rates currently average $715.00. Because cost is less of an issue, customer service and financial integrity of the insurers becomes more important when searching for the best homeowners insurance in Michigan.
Auto Club Group Insurance
The Auto Club Group is the second largest AAA club in North America. An Auto Club Group Michigan homeowners insurance policy covers your home, garage, and utility buildings against direct physical losses not specifically excluded by the policy. Enhanced coverage is also available for personal belongings. Auto Club policies also cover personal liability, medical payments, additional expenses, and theft. Discounts are available for multiple policies, security devices, and for buying a new home or making new upgrades. Additional group discounts for affiliate members are available. Auto Club maintains an AM Best A- (Excellent) financial strength rating.
Citizens Insurance Company of America
Citizens is part of the Hanover Insurance Group, a top 25 national insurer. Through Hanover, Citizens enjoys an Excellent financial strength rating from AM Best. The Hanover website conveniently walks you through four Michigan home insurance choices in a step-by-step fashion. Basic coverage includes replacement cost coverage up to the value of the dwelling for most common causes of loss; other structures such as non-attached garages and tool sheds; personal belongings including furniture, clothing, and appliances; liability claims involving bodily injury and property damage; and medical payments to non-household members who are accidentally injured on your property. Add-on packages are available depending on your unique insurance needs. Talk to a local agent for information on discount packages.
Home-Owners is part of Auto-Owners Insurance Companies, and provides home insurance in Michigan and Ohio. The company offers insurance for single-family homes, condos, mobile homes, farms, and rental properties. Customers can add additional options to guard against earthquakes, flood, water back up, and identity theft. Take advantage of discounts like multi-policy, paid in full premiums, and protective devices to drive down your total insurance cost. Home-Owners Insurance maintains the highest AM Best rating for financial strength, and its service rating is excellent, but it lacks some of the service tools that national carriers provide.
This national mega insurer became one of the top providers of Michigan homeowners insurance by focusing on claims service and discounts. Its claims service reputation is excellent, and its Premier Service Program connects you with reputable local contractors to complete repair work after a covered loss. The Discount Double Check feature makes sure you're getting the best bang for your buck by automatically checking for discount savings you may be eligible for. Non-standard discounts State Farm offers include those for utilities ratings plans and installing fire sprinklers. Added benefits to going with a national company are innovations that can make the customer experience easier in the event of a loss. State Farm's home inventory tool helps customers easily categorize their personal property and store a record of it offsite. This helps the claim reporting process greatly. Finally, State Farm consistently maintains the best financial rating in the industry.