See Michigan homeowner insurance cost (premiums) by home values and deductibles, across the state and major cities. The data is from MFP’s Community Home Insurance Survey where Michigan’s homeowners shared cost and recommendations by insurers, agents, and brokers.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: June 14, 2026
<< Human Powered Recommendations from Michigan 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 $1,411 (while it's $1,636 nationally).
- Michigan average premiums for a $400K home is $1,794. It's $2,179 nationally.
- Michigan average premiums for a $600K home is $2,689 (and it's $3,032 nationally).
Best Insurance in Michigan’s cities
Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Dearborn, Livonia, Troy, Westland
Recommendations are gathered from 4,814 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 premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Detroit for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,724.
Detroit's $600K home insurance cost is 17.2% higher than the Michigan average of $2,812. The average annual cost for a $600K home with a $500 deductible is $3,295 in Detroit.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $954 | $884 | $831 | $796 | $663 |
| $200K Home | $1,341 | $1,242 | $1,167 | $1,117 | $931 |
| $300K Home | $1,724 | $1,596 | $1,500 | $1,436 | $1,197 |
| $400K Home | $2,195 | $2,032 | $1,910 | $1,829 | $1,523 |
| $600K Home | $3,295 | $3,050 | $2,867 | $2,746 | $2,288 |
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
See Grand Rapids's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Grand Rapids, switching from a $500 to a $2,000 deductible on a $600K home saves 18.3% annually. The average $600K home costs $2,773 per year with a $500 deductible.
Grand Rapids homeowners pay 3.8% more than the Michigan average of $3,339 for a $800K home. The average annual $800K premium with a $500 deductible is $3,466.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $799 | $740 | $696 | $652 | $544 | $699 |
| $200K Home | $1,127 | $1,043 | $980 | $920 | $767 | $985 |
| $300K Home | $1,451 | $1,344 | $1,264 | $1,186 | $989 | $1,269 |
| $400K Home | $1,847 | $1,710 | $1,609 | $1,509 | $1,259 | $1,615 |
| $600K Home | $2,773 | $2,568 | $2,415 | $2,265 | $1,889 | $2,424 |
| $800K Home | $3,466 | $3,210 | $3,018 | $2,832 | $2,361 | $3,031 |
| $1M Home | $4,020 | $3,723 | $3,501 | $3,285 | $2,739 | $3,515 |
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
Warren 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 16.7% for a $300K home in Warren. At a $500 deductible, the average annual cost is $1,524.
Compared to the Michigan average of $2,812 for a $600K home, Warren runs 3.4% above at $2,906 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $839 | $820 | $768 | $700 | $615 |
| $200K Home | $1,184 | $1,157 | $1,083 | $986 | $867 |
| $300K Home | $1,524 | $1,489 | $1,393 | $1,270 | $1,117 |
| $400K Home | $1,937 | $1,893 | $1,771 | $1,614 | $1,420 |
| $600K Home | $2,906 | $2,840 | $2,657 | $2,422 | $2,131 |
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 premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 13.4% in Sterling Heights for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,467.
Sterling Heights's $600K home insurance cost is 0.8% lower than the Michigan average of $2,812. The average annual cost for a $600K home with a $500 deductible is $2,789 in Sterling Heights.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $809 | $777 | $725 | $699 | $583 |
| $200K Home | $1,139 | $1,095 | $1,022 | $985 | $821 |
| $300K Home | $1,467 | $1,411 | $1,317 | $1,270 | $1,059 |
| $400K Home | $1,862 | $1,791 | $1,671 | $1,611 | $1,344 |
| $600K Home | $2,789 | $2,682 | $2,504 | $2,414 | $2,013 |
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
See Ann Arbor's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Ann Arbor, switching from a $500 to a $2,000 deductible on a $600K home saves 16.6% annually. The average $600K home costs $2,568 per year with a $500 deductible.
Ann Arbor homeowners pay 3.8% less than the Michigan average of $3,339 for a $800K home. The average annual $800K premium with a $500 deductible is $3,211.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $752 | $697 | $655 | $627 | $522 | $714 |
| $200K Home | $1,053 | $975 | $916 | $878 | $731 | $999 |
| $300K Home | $1,354 | $1,254 | $1,179 | $1,129 | $940 | $1,284 |
| $400K Home | $1,716 | $1,589 | $1,493 | $1,431 | $1,191 | $1,627 |
| $600K Home | $2,568 | $2,378 | $2,236 | $2,141 | $1,784 | $2,436 |
| $800K Home | $3,211 | $2,973 | $2,794 | $2,676 | $2,230 | $3,045 |
| $1M Home | $3,724 | $3,448 | $3,241 | $3,103 | $2,586 | $3,532 |
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
Lansing 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 11.6% for a $300K home in Lansing. At a $500 deductible, the average annual cost is $1,404.
Compared to the Michigan average of $2,812 for a $600K home, Lansing runs 4.7% below at $2,679 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $773 | $759 | $715 | $683 | $569 |
| $200K Home | $1,090 | $1,070 | $1,007 | $963 | $803 |
| $300K Home | $1,404 | $1,379 | $1,299 | $1,241 | $1,034 |
| $400K Home | $1,784 | $1,752 | $1,650 | $1,577 | $1,315 |
| $600K Home | $2,679 | $2,632 | $2,479 | $2,369 | $1,974 |
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 premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.1% in Dearborn for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,470.
Dearborn's $600K home insurance cost is 0.5% lower than the Michigan average of $2,812. The average annual cost for a $600K home with a $500 deductible is $2,799 in Dearborn.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $809 | $807 | $772 | $727 | $605 |
| $200K Home | $1,140 | $1,138 | $1,089 | $1,025 | $854 |
| $300K Home | $1,470 | $1,468 | $1,405 | $1,321 | $1,101 |
| $400K Home | $1,867 | $1,865 | $1,785 | $1,678 | $1,399 |
| $600K Home | $2,799 | $2,795 | $2,676 | $2,515 | $2,096 |
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
See Livonia's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Livonia, switching from a $500 to a $2,000 deductible on a $300K home saves 13.5% annually. The average $300K home costs $1,494 per year with a $500 deductible.
Livonia homeowners pay 1.3% more than the Michigan average of $2,812 for a $600K home. The average annual $600K premium with a $500 deductible is $2,847.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $819 | $788 | $735 | $709 | $592 |
| $200K Home | $1,155 | $1,111 | $1,036 | $999 | $833 |
| $300K Home | $1,494 | $1,436 | $1,341 | $1,293 | $1,078 |
| $400K Home | $1,898 | $1,826 | $1,703 | $1,643 | $1,369 |
| $600K Home | $2,847 | $2,737 | $2,555 | $2,464 | $2,054 |
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% |