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The Best Michigan Homeowners Insurance Companies of 2021

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    Reviews Report

    • Auto-Owners is the best Michigan home insurance company, earning a 4.8 out of 5 Reviews.com score.
    • The average cost of home insurance in Michigan is $1,313 per year.
    • Auto-Owners also offers the cheapest average Michigan home insurance rates. 

    Homeowners in the Wolverine State enjoy the waters of Lake Michigan, mild summers, and snowy winters. Along with pleasant weather, homeowners also experience average home insurance rates of $1,313, right on par with the national average.

    The six best companies for home insurance in Michigan are Auto-Owners, USAA, Cincinnati, Grange, Farmers, and State Farm. All offer competitive rates for policyholders, along with a variety of coverage options, and more. When comparing the best homeowners insurance in Michigan, we reviewed customer service rankings, number of complaints, financial stability, premium price, coverage, and discounts. 

    Reviews.com used Quadrant data to map the average home insurance premium, and a unique in-house methodology to compare discounts, coverage, and third-party evaluations to rank and review the best home insurance in Michigan. Compare quotes from carriers that provide home insurance in Michigan to make sure you get the best homeowners insurance rates available.

    The 6 Best Home Insurance Companies in Michigan

    • Auto-Owners: Cheapest Michigan Home Insurance
    • USAA: Best Michigan Home Insurance for Military Families
    • Cincinnati Insurance: Best Michigan Home Insurance for High-Value Homes
    • Grange: Best Michigan Home Insurance for Customization
    • Farmers: Best Michigan Home Insurance for Pre-Packaged Coverage
    • State Farm: Best Michigan Home Insurance for Online Policy Management

    Compare Michigan’s Top Home Insurance Companies of 2021

    Average Annual Premiums* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Auto-Owners$210.754.8A++843
    Pin USAA$1,335.203.8A++889
    Pin Cincinnati Insurance$1,107.414.25A+N/A
    Pin Grange$1,120.223.75AN/A
    Pin Farmers$2,001.163.8A-814
    Pin State Farm$1,388.812.8A++829

    Information accurate as of July 2021

    *Data provided by Coverage.com

    **J.D. Power 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

    Auto-Owners

    Cheapest Michigan Home Insurance

    Why we chose it

    Auto-Owners excels for cheap homeowners insurance in Michigan. It also has high customer satisfaction ranking and financial stability marks, exceeding expectations across the board.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $210.75* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 843** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners excels for cheap homeowners insurance in Michigan. It also has high customer satisfaction ranking and financial stability marks, exceeding expectations across the board.

    Pros

    • A dozen possible discounts
    • Low customer complaints
    • High customer satisfaction rating
    • Guaranteed home replacement cost coverage

    Cons

    • No online or mobile claims capabilities
    • No online quotes available
    Read More

    Add-on Coverage

    • Identity theft
    • Sewer or drain backup
    • Ordinance or law coverage
    • Extended personal property
    • Equipment breakdown

    Available Discounts

    • Multi-policy
    • Paid on time
    • Paperless billing
    • Protective devices
    • Automatic backup generator
    • Paid-in-full
    • Advance quote
    • Water shut-off system
    • Mortgage-free
    • Favorable loss history

    More Auto-Owners Insurance Reviews

    USAA

    Best for Military Families

    Why we chose it

    For military or veteran families, USAA offers high-ranking customer service and solid coverage for a reasonable cost — it should be the first stop for military homeowners when searching for the best cheap homeowners insurance in Michigan.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,335.20* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 889** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    For military or veteran families, USAA offers high-ranking customer service and solid coverage for a reasonable cost — it should be the first stop for military homeowners when searching for the best cheap homeowners insurance in Michigan.

    Pros

    • Strong financial and customer satisfaction ratings
    • Mobile claim filing and tracking
    • Low customer complaint ratings from NAIC

    Cons

    • Limited available discounts
    • Only available to military members and their families
    • Limited additional coverage options
    Read More

    Add-on Coverage

    • Home sharing
    • Earthquake
    • Identity theft

    Available Discounts

    • Multi-policy
    • Claims-free
    • Home security system

    More USAA Insurance Reviews

    Cincinnati Insurance

    Best for High-Value Homes

    Why we chose it

    Cincinnati Insurance offers executive-level coverage for homes worth $500,000 and more, with extensive add-ons and higher coverage limits.
    • 4.25 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,107.41* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Cincinnati Insurance offers executive-level coverage for homes worth $500,000 and more, with extensive add-ons and higher coverage limits.

    Pros

    • Specific coverage for high-value homes available
    • Strong financial stability rating
    • Extensive optional coverage options

    Cons

    • No online quotes
    • Limited discount list compared to competitors
    • Some coverage options only available for high-value homes
    Read More

    Add-on Coverage

    • Earthquake
    • Golf cart
    • Identity theft
    • Family shield
    • Assisted living
    • Flood
    • Water and sump pump backup
    • Green updates
    • Service line
    • Equipment breakdown
    • Cyber protection
    • Emergency event cancellation
    • Loss prevention device

    Available Discounts

    • Multi-policy
    • New home
    • Claims-free
    • Protective device
    Grange Insurance

    Best for Policy Customization

    Why we chose it

    Reasonable rates and a plethora of optional coverages that allow homeowners to customize their policies make Grange Insurance a good option for homeowners insurance quotes in Michigan.
    • 3.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,120.22* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Reasonable rates and a plethora of optional coverages that allow homeowners to customize their policies make Grange Insurance a good option for homeowners insurance quotes in Michigan.

    Pros

    • Broad variety of coverage add-ons
    • Strong financial rating
    • Average premiums on par with competitors

    Cons

    • Not assessed by J.D. Power
    • Limited online tools
    • No online quotes available
    Read More

    Add-on Coverage

    • Underground service line
    • Cyber protection
    • Sewer/drain backup
    • Replacement costs
    • Jewelry, artwork, and collectibles
    • Identity theft
    • Equipment breakdown
    • Assisted living care
    • Umbrella coverage

    Available Discounts

    • Multi-policy
    • Advance quote
    • Prompt payer/paid in full
    • DIY home inspection
    • Home maintenance
    • Smart fire alarm
    • Claims-free
    Farmers

    Best for Pre-Packaged Coverage

    Why we chose it

    Farmers’ three coverage packages — standard, enhanced, and premier — allow policyholders to choose the level of protection that fits their lives and wallets.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,001.16* Average Premium Pricing data comes from our partners at Coverage.com.
    • A- AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 814** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers’ three coverage packages — standard, enhanced, and premier — allow policyholders to choose the level of protection that fits their lives and wallets.

    Pros

    • Declining deductible
    • Flexible coverage pricing
    • Guaranteed replacement cost coverage at premier level

    Cons

    • Limited add-on coverage options
    • Lower-than-average J.D. Power rating
    • Lower-than-average AM Best rating
    Read More

    Add-on Coverage

    • Eco-rebuild
    • Contents replacement cost

    Available Discounts

    • Security systems
    • Smoke-free home
    • Multi-policy
    • Claims forgiveness
    • Claims-free
    • Professional affiliation groups

    More Farmers Insurance Reviews

    State Farm

    Best for Online Policy Management

    Why we chose it

    As the largest writer of homeowner policies in the U.S., State Farm does many things well — including allowing policyholders to get quotes, pay bills, and manage their accounts online.
    • 2.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,388.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    As the largest writer of homeowner policies in the U.S., State Farm does many things well — including allowing policyholders to get quotes, pay bills, and manage their accounts online.

    Pros

    • Highest possible rating with AM Best
    • Easy digital account management
    • State-of-the-art website

    Cons

    • Few discounts
    • Higher-than-average NAIC complaint index
    • Fewer co verage options advertised than competitors
    Read More

    Add-on Coverage

    • Water seepage
    • Mold
    • Earthquake
    • Personal property
    • Flood
    • Replacement cost

    Available Discounts

    • Multi-policy
    • Home security devices
    • Impact-resistant roofing materials

    *Data provided by Coverage.com

    **J.D. Power’s 2020 U.S. Home Insurance Study. Based on a 1,000-point scale.

    Average Cost of Home Insurance in Michigan 

    Michigan home insurance average costs are middle-of-the-road with an average premium rate of $1,313, compared to the national average of $1,249. Although Michigan has its share of extreme weather, especially in the winter, the state is not known for disasters such as hurricanes — thus keeping the insurance rates low. 

    Residents in the southern part of the state, however, may experience tornadoes, which could impact Michigan homeowners’ insurance rates. Northern Michigan and the Upper Peninsula, meanwhile, may see home damage from winter storms, hail, and the weight of snow on roofs and other structures.

    Because of these varying weather patterns, insurance premium rates will depend at least partly on where the policyholder lives in Michigan. An insurance agent can help them determine if they need any supplemental coverage, such as flood insurance, based on their location.

    Policyholders should keep in mind the benefit of using discounts, such as multi-policy or bundling, to save money on their policy. Usually, it is possible to qualify for one or more easily.

    The Cheapest Homeowner Insurance Companies in Michigan 

    Largest Companies by Market Share in MichiganAverage Annual Premium
    Auto-Owners Insurance$210
    Meemic Ins Co$915
    USAA$1,027
    American Select Inc Co$1,038
    Chubb$1,399
    Frankenmuth Mut Ins Co$1,498
    Cincinnati Ins Co$1,518
    Memberselect Ins Co$1,765
    Privilege Underwriters Recp Exch$1,814
    Pioneer State Mut Ins Co      $1,854
    Grange Ins Co of MI – PinPoint        $1,868
    Hastings Mut Ins Co  $2,113
    Allstate           $2,202
    Farmers Insurance    $2,373
    State Farm     $2,406
    Citizens Ins Co Of The Midwest        $4,236
    Encompass$6,382

    Cost of Homeowners Insurance by Age of Home 

    Age of Home (years)Sample Annual Premium
    5 years$2,299
    20 years$3,144
    35 years$3,217
    50 years$3,238
    Average Across Ages$2,974

    Top 3 Cheapest Homeowners Insurance Companies in Michigan 

    • Auto-Owners Insurance – $310
    • Meemic Insurance Company – $915
    • USAA – $1,027

    Top 3 Most Expensive Homeowners Insurance Companies in Michigan 

    • State Farm – $2,406
    • Citizens Insurance Company of the Midwest – $4,236
    • Encompass – $6,382

    These rates are based on the average annual premium. However, several different factors will ultimately establish your cost. The smartest way to find the best value for your coverage needs is by requesting personalized quotes from several companies.

    Common Home Insurance Perils in Michigan 

    Southern Michigan experiences tornadoes occasionally, with the state as a whole has had an average of 14.1 tornadoes per 1,000 square miles per year since 1950. Some of the counties most noted for tornadoes include Berrian, Genesee, Monroe, and Wayne. 

    Levels of snowfall each year also vary greatly depending on location. In Dearborn, for example, an average of 31.4 inches of snow falls annually. But in the Upper Peninsula, locations such as Ironwood average 188 inches. A heavy snow load can damage a home’s roof or cause trees to fall, resulting in possible insurance claims. Home insurance in Michigan should pay for any damages caused by snowfall.

    Michigan is the only state that touches four of the Great Lakes, and there are numerous smaller lakes, rivers, and other bodies of water in the state. For waterside homes, as well as those that are near even a small body of water, there is always the possibility of overflow and flooding problems. 

    Add-on home insurance coverage in Michigan 

    Snow damage and most tornado damage is covered by standard HO-3 Michigan home insurance policies. But there’s something else that isn’t: flooding. Most homeowner policies do not include flood coverage as part of a standard policy. If residents are at risk of flooding, they should consider purchasing a flood insurance policy.

    Most flood insurance in the U.S. is provided by the government, through the National Flood Insurance Program (NFIP). This is not an add-on to regular coverage, but a separate policy with its own premium and deductible. Most insurers will administer these policies. A standard policy does cover some water damage, but not all, so flood insurance can be a wise choice.

    Most national insurers either offer NFIP or their own flood insurance coverage. Cincinnati Insurance, for example, offers bespoke flood insurance, while companies such as USAA and State Farm work with NFIP policies. Checking the declaration page of the policy is the best way to determine what is already covered and what might need to be added to have robust coverage that can handle any potential disaster.

    Here are some state-sponsored resources that may be useful to those with homeowners insurance in Michigan concerned about weather-related and other disasters:

    Michigan Home Insurance FAQ

    Methodology 

    We evaluated the best insurance companies in Michigan based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
    • Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
    • Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
    • Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

    About the Authors

    Mary Van Keuren

    Mary Van Keuren Contributor

    Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.

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