The MFP’s Community Home Insurance Survey gathers Michigan’s homeowners opinions and recommendations by insurers, agents, and brokers. It also display home insurance premium by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: April 23, 2026
<< Human Powered Recommendations from Michigan Own Homeowners>>
- Best Michigan Home Insurance (companies)
- Best Home Insurance by City: Cost, Deductible & Rating
- Michigan Biggest Home Insurance Cost Factors
- Best Home Insurance Discounts in Michigan
- How to Find the Best Cheap Home Insurance in Michigan
- 6 Ways to Reduce Your Home Insurance Cost in Michigan
- What Does Home Insurance Cover in Michigan?
- What Extra Coverage Can Homeowners Get in Michigan?
- FAQ: Home Insurance in Michigan
Michigan Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Michigan are USAA, Amica, plus State Farm and Frankenmuth Insurance (both third).
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| USAA | 4 | 5 | 5 | 5 | 95% |
| Amica | 5 | 5 | 4 | 4 | 90% |
| State Farm | 4 | 4 | 4 | 4 | 88% |
| Allstate | 4 | 3 | 5 | 4 | 82% |
| Progressive | 3 | 3 | 5 | 5 | 70% |
| Liberty Mutual | 4 | 3 | 3 | 4 | 75% |
| Nationwide | 4 | 3 | 3 | 4 | 74% |
| Farmers | 4 | 4 | 3 | 4 | 78% |
| Chubb | 5 | 4 | 2 | 4 | 85% |
| Frankenmuth Insurance | 4 | 4 | 4 | 3 | 88% |
Michigan average home insurance for a $1,000 deductible:
- Michigan average premiums for a $300K Home is $1,340 (while it’s $1,568 nationally).
- Michigan average premiums for a $400K Home is $1,702. It’s $2,088 nationally.
- Michigan average premiums for a $600K Home is $2,552 (and it’s $2,906 nationally).
Best Insurance in Michigan’s cities
Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Dearborn, Livonia, Troy, Westland
Recommendations are gathered from 2,884 local Michigan members who got a quote, filed a claim or got new home insurance in the past 12 months. We survey 4 broad areas; cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Michigan Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Michigan Best Mortgage Lenders from Community Recommendations
Michigan Best Refinance Lenders from Community Recommendations
More Resources for Michigan Homeowners.
Detroit Home Insurance Costs
Compare Detroit 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Detroit, the average annual insurance cost for a $300K home with a $500 deductible is $1,620. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Detroit for a $300K home.
Detroit’s $600K home insurance cost is 16.1% higher than the Michigan average of $2,669. The Detroit average annual cost for a $600K home with a $500 deductible is $3,097.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $897 | $831 | $781 | $748 | $623 |
| $200K Home | $1,260 | $1,167 | $1,097 | $1,050 | $875 |
| $300K Home | $1,620 | $1,500 | $1,410 | $1,350 | $1,125 |
| $400K Home | $2,063 | $1,910 | $1,795 | $1,719 | $1,432 |
| $600K Home | $3,097 | $2,867 | $2,695 | $2,581 | $2,151 |
Detroit Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Detroit’s area are DC Insurance Group, Sharpe & Associates Insurance Agency and Ieuter Insurance Group.
- DC Insurance Group – consistently noted for strong coverage options and responsive service.
- Sharpe & Associates Insurance Agency – praised for clear policy explanations and client support.
- Ieuter Insurance Group – valued for multi-carrier comparisons and independent advice.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| DC Insurance Group | Agency | 4.6 | 4.7 | 4.5 | 4.4 | 96% |
| Sharpe & Associates Insurance Agency | Agency | 4.5 | 4.6 | 4.4 | 4.3 | 94% |
| Ieuter Insurance Group | Broker | 4.7 | 4.6 | 4.3 | 4.5 | 93% |
| Robert Loomis & Associates | Agency | 4.4 | 4.5 | 4.3 | 4.4 | 92% |
| Scott Cunningham Insurance | Broker | 4.3 | 4.4 | 4.3 | 4.5 | 91% |
| Premier Insurance Agency | Agency | 4.2 | 4.3 | 4.4 | 4.5 | 90% |
| The Allen Thomas Group | Agency | 4.1 | 4.3 | 4.2 | 4.4 | 89% |
| Farm Bureau Insurance | Insurer | 4.5 | 4.4 | 4.3 | 4.6 | 88% |
| State Farm | Insurer | 4.4 | 4.4 | 4.5 | 4.3 | 87% |
| Allstate | Insurer | 4.3 | 4.3 | 4.4 | 4.2 | 86% |
See also:
Detroit Best Refinance Lenders
Detroit Best Home Loan Lenders
Grand Rapids Home Insurance Costs
Compare Grand Rapids 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Grand Rapids average annual cost for a $300K home with a $500 deductible is $1,377. Choosing a $2,000 deductible instead of $500 can lower annual cost by 18.3% in Grand Rapids for a $300K home.
Grand Rapids’s $600K home insurance cost is 1.4% lower than the Michigan average of $2,669. The Grand Rapids average annual cost for a $600K home with a $500 deductible is $2,631.
In Grand Rapids, the average annual cost for a $800K Home with a $500 deductible is $3,288. Its cost is 3.4% higher than the Michigan average of $3,181.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $758 | $702 | $660 | $619 | $516 | $663 |
| $200K Home | $1,069 | $989 | $930 | $873 | $728 | $934 |
| $300K Home | $1,377 | $1,275 | $1,199 | $1,125 | $938 | $1,204 |
| $400K Home | $1,752 | $1,622 | $1,526 | $1,432 | $1,194 | $1,532 |
| $600K Home | $2,631 | $2,436 | $2,291 | $2,149 | $1,792 | $2,300 |
| $800K Home | $3,288 | $3,045 | $2,863 | $2,687 | $2,240 | $2,875 |
| $1M Home | $3,814 | $3,532 | $3,321 | $3,116 | $2,598 | $3,335 |
Grand Rapids Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Grand Rapids’s area are Boer Insurance Group, Dan Charles Agency and Steenland Insurance Agency.
- Boer Insurance Group – frequently praised for independent carrier comparisons and personalized service.
- Dan Charles Agency – valued for long-standing local experience and multiple coverage options.
- Steenland Insurance Agency – noted for clear guidance and strong multi-policy bundling support.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Boer Insurance Group | Agency | 4.7 | 4.8 | 4.5 | 4.6 | 97% |
| Dan Charles Agency | Agency | 4.6 | 4.6 | 4.4 | 4.5 | 95% |
| Steenland Insurance Agency | Agency | 4.5 | 4.6 | 4.6 | 4.4 | 94% |
| Warsen Insurance | Broker | 4.4 | 4.5 | 4.5 | 4.4 | 93% |
| HUB International Grand Rapids | Broker | 4.6 | 4.5 | 4.3 | 4.5 | 92% |
| Kerr Insurance Agency (State Farm) | Insurer | 4.5 | 4.6 | 4.5 | 4.3 | 91% |
| Farm Bureau Insurance | Insurer | 4.4 | 4.4 | 4.3 | 4.5 | 90% |
| Allstate | Insurer | 4.3 | 4.3 | 4.4 | 4.2 | 89% |
| Progressive | Insurer | 4.2 | 4.3 | 4.5 | 4.4 | 88% |
| Auto-Owners Insurance | Insurer | 4.5 | 4.4 | 4.3 | 4.6 | 88% |
See also:
Grand Rapids Best Refinance Lenders
Grand Rapids Best Home Loan Lenders
Warren Home Insurance Costs
Compare Warren 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Warren, the average annual insurance cost for a $300K home with a $500 deductible is $1,458. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Warren for a $300K home.
Warren’s $600K home insurance cost is 4.2% higher than the Michigan average of $2,669. The Warren average annual cost for a $600K home with a $500 deductible is $2,781.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $803 | $785 | $735 | $670 | $589 |
| $200K Home | $1,133 | $1,107 | $1,036 | $944 | $830 |
| $300K Home | $1,458 | $1,425 | $1,333 | $1,215 | $1,069 |
| $400K Home | $1,854 | $1,812 | $1,695 | $1,545 | $1,359 |
| $600K Home | $2,781 | $2,718 | $2,543 | $2,318 | $2,039 |
Warren Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Warren’s area are Michigan Insurance Group, Pioneer State Mutual Insurance Agency partners and The Allen Thomas Group.
- Michigan Insurance Group – strong feedback for multi-carrier comparisons and responsive service.
- Pioneer State Mutual Insurance Agency partners – noted for competitive pricing and straightforward coverage options.
- The Allen Thomas Group – praised for personalized policy structuring and bundling support.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Michigan Insurance Group | Broker | 4.6 | 4.7 | 4.5 | 4.5 | 96% |
| Pioneer State Mutual Insurance Agency partners | Insurer | 4.5 | 4.6 | 4.4 | 4.6 | 94% |
| The Allen Thomas Group | Agency | 4.4 | 4.5 | 4.3 | 4.4 | 93% |
| HUB International Warren | Broker | 4.5 | 4.4 | 4.3 | 4.4 | 92% |
| State Farm | Insurer | 4.4 | 4.5 | 4.5 | 4.3 | 91% |
See also:
Sterling Heights Home Insurance Costs
Compare Sterling Heights 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Sterling Heights average annual cost for a $300K home with a $500 deductible is $1,404. Choosing a $2,000 deductible instead of $500 can lower annual cost by 13.5% in Sterling Heights for a $300K home.
Sterling Heights’ $600K home insurance cost is 0.0% higher than the Michigan average of $2,669. The Sterling Heights average annual cost for a $600K home with a $500 deductible is $2,669.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $774 | $744 | $694 | $669 | $558 |
| $200K Home | $1,090 | $1,048 | $978 | $943 | $786 |
| $300K Home | $1,404 | $1,350 | $1,260 | $1,215 | $1,013 |
| $400K Home | $1,782 | $1,714 | $1,599 | $1,542 | $1,286 |
| $600K Home | $2,669 | $2,567 | $2,396 | $2,310 | $1,926 |
Sterling Heights Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Sterling Heights’s area are Michigan Insurance Group, Meemic Insurance Agency partners and State Farm local agencies.
- Michigan Insurance Group – frequently noted for strong multi-carrier comparisons and fast response times.
- Meemic Insurance Agency partners – praised for competitive pricing and straightforward policy options.
- State Farm local agencies – valued for consistency, bundling options, and in-person support.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Michigan Insurance Group | Broker | 4.6 | 4.7 | 4.5 | 4.5 | 95% |
| Meemic Insurance Agency partners | Insurer | 4.5 | 4.6 | 4.4 | 4.6 | 94% |
| State Farm local agencies | Insurer | 4.4 | 4.5 | 4.5 | 4.3 | 92% |
| HUB International Sterling Heights | Broker | 4.5 | 4.4 | 4.3 | 4.4 | 91% |
| Farm Bureau Insurance | Insurer | 4.4 | 4.4 | 4.3 | 4.5 | 90% |
See also:
Sterling Heights Best Refinance Lenders
Sterling Heights Best Home Loan Lenders
Ann Arbor Home Insurance Costs
Compare Ann Arbor 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Ann Arbor, the average annual insurance cost for a $300K home with a $500 deductible is $1,296. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Ann Arbor for a $300K home.
Ann Arbor’s $600K home insurance cost is 7.9% lower than the Michigan average of $2,669. The Ann Arbor average annual cost for a $600K home with a $500 deductible is $2,458.
In Ann Arbor, the average annual cost for a $800K Home with a $500 deductible is $3,073. Its cost is 3.4% lower than the Michigan average of $3,181.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $720 | $667 | $627 | $600 | $500 | $683 |
| $200K Home | $1,008 | $933 | $877 | $840 | $700 | $956 |
| $300K Home | $1,296 | $1,200 | $1,128 | $1,080 | $900 | $1,229 |
| $400K Home | $1,642 | $1,521 | $1,429 | $1,369 | $1,140 | $1,557 |
| $600K Home | $2,458 | $2,276 | $2,140 | $2,049 | $1,707 | $2,331 |
| $800K Home | $3,073 | $2,845 | $2,674 | $2,561 | $2,134 | $2,914 |
| $1M Home | $3,564 | $3,300 | $3,102 | $2,970 | $2,475 | $3,380 |
Ann Arbor Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Ann Arbor’s area are Arbor Insurance Agency, Zingerman Insurance Services and Farm Bureau Insurance local offices.
- Arbor Insurance Agency – consistently praised for independent carrier comparisons and responsive local service.
- Zingerman Insurance Services – noted for clear communication and strong customer support experience.
- Farm Bureau Insurance local offices – valued for bundling options and long-term client relationships.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Arbor Insurance Agency | Agency | 4.7 | 4.8 | 4.6 | 4.5 | 96% |
| Zingerman Insurance Services | Agency | 4.6 | 4.7 | 4.6 | 4.4 | 95% |
| Farm Bureau Insurance | Insurer | 4.5 | 4.5 | 4.4 | 4.5 | 93% |
| HUB International Ann Arbor | Broker | 4.5 | 4.4 | 4.3 | 4.4 | 92% |
| State Farm | Insurer | 4.4 | 4.5 | 4.5 | 4.3 | 91% |
See also:
Ann Arbor Best Refinance Lenders
Ann Arbor Best Home Loan Lenders
Lansing Home Insurance Costs
Compare Lansing 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Lansing, the average annual insurance cost for a $300K home with a $500 deductible is $1,344. Choosing a $2,000 deductible instead of $500 can lower annual cost by 11.6% in Lansing for a $300K home.
Lansing’s $600K home insurance cost is 3.9% lower than the Michigan average of $2,669. The Lansing average annual cost for a $600K home with a $500 deductible is $2,564.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $740 | $726 | $684 | $654 | $545 |
| $200K Home | $1,043 | $1,024 | $964 | $922 | $768 |
| $300K Home | $1,344 | $1,320 | $1,243 | $1,188 | $990 |
| $400K Home | $1,707 | $1,677 | $1,579 | $1,509 | $1,258 |
| $600K Home | $2,564 | $2,519 | $2,372 | $2,267 | $1,889 |
Lansing Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Lansing’s area are Capital Area Insurance Services, Lakeside Insurance Group and Farm Bureau Insurance local offices.
- Capital Area Insurance Services – known for multi-carrier comparisons and responsive client support.
- Lakeside Insurance Group – praised for clear policy explanations and strong customer guidance.
- Farm Bureau Insurance local offices – valued for bundled coverage options and long-term service relationships.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Capital Area Insurance Services | Agency | 4.6 | 4.7 | 4.5 | 4.4 | 95% |
| Lakeside Insurance Group | Agency | 4.5 | 4.6 | 4.5 | 4.4 | 94% |
| Farm Bureau Insurance | Insurer | 4.5 | 4.5 | 4.4 | 4.5 | 93% |
| HUB International | Broker | 4.5 | 4.4 | 4.3 | 4.4 | 92% |
| State Farm | Insurer | 4.4 | 4.5 | 4.5 | 4.3 | 91% |
See also:
Lansing Best Refinance Lenders
Lansing Best Home Loan Lenders
Dearborn Home Insurance Costs
Compare Dearborn 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Dearborn, the average annual insurance cost for a $300K home with a $500 deductible is $1,382. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.1% in Dearborn for a $300K home.
Dearborn’s $600K home insurance cost is 1.4% lower than the Michigan average of $2,669. The Dearborn average annual cost for a $600K home with a $500 deductible is $2,631.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $760 | $759 | $726 | $683 | $569 |
| $200K Home | $1,072 | $1,070 | $1,024 | $963 | $803 |
| $300K Home | $1,382 | $1,380 | $1,321 | $1,242 | $1,035 |
| $400K Home | $1,755 | $1,753 | $1,678 | $1,577 | $1,315 |
| $600K Home | $2,631 | $2,627 | $2,515 | $2,364 | $1,970 |
Dearborn Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Dearborn’s area are Dearborn Insurance Agency, Michigan Insurance Group and State Farm local agencies.
- Dearborn Insurance Agency – frequently praised for local expertise and responsive policy support.
- Michigan Insurance Group – valued for multi-carrier comparisons and flexible coverage options.
- State Farm local agencies – known for consistency, bundling options, and in-person service.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Dearborn Insurance Agency | Agency | 4.6 | 4.7 | 4.5 | 4.4 | 95% |
| Michigan Insurance Group | Broker | 4.6 | 4.7 | 4.5 | 4.5 | 94% |
| State Farm | Insurer | 4.4 | 4.5 | 4.5 | 4.3 | 92% |
| Farm Bureau Insurance | Insurer | 4.5 | 4.5 | 4.4 | 4.5 | 91% |
| HUB International Dearborn | Broker | 4.5 | 4.4 | 4.3 | 4.4 | 90% |
See also:
Dearborn Best Refinance Lenders
Dearborn Best Home Loan Lenders
Livonia Home Insurance Costs
Compare Livonia 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Livonia, the average annual insurance cost for a $300K home with a $500 deductible is $1,404. Choosing a $2,000 deductible instead of $500 can lower annual cost by 13.5% in Livonia for a $300K home.
Livonia’s $600K home insurance cost is 0.3% higher than the Michigan average of $2,669. The Livonia average annual cost for a $600K home with a $500 deductible is $2,676.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $770 | $741 | $691 | $666 | $556 |
| $200K Home | $1,086 | $1,044 | $974 | $939 | $783 |
| $300K Home | $1,404 | $1,350 | $1,260 | $1,215 | $1,013 |
| $400K Home | $1,784 | $1,716 | $1,601 | $1,544 | $1,287 |
| $600K Home | $2,676 | $2,573 | $2,402 | $2,316 | $1,931 |
Livonia Best Home Insurance
MFP’s Community Home Insurance Survey most recommended home insurance brokers and agents in Livonia’s area are Michigan Insurance Group, Farm Bureau Insurance local offices and State Farm local agencies.
- Michigan Insurance Group – strong reputation for multi-carrier comparisons and quick turnaround on quotes.
- Farm Bureau Insurance local offices – valued for bundled policies and long-term customer relationships.
- State Farm local agencies – known for consistency and in-person support.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Michigan Insurance Group | Broker | 4.6 | 4.7 | 4.5 | 4.5 | 95% |
| Farm Bureau Insurance | Insurer | 4.5 | 4.5 | 4.4 | 4.5 | 93% |
| State Farm | Insurer | 4.4 | 4.5 | 4.5 | 4.3 | 92% |
| HUB International | Broker | 4.5 | 4.4 | 4.3 | 4.4 | 91% |
| Allstate | Insurer | 4.3 | 4.3 | 4.4 | 4.2 | 90% |