How you're covered

Michigan doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Common claims in Michigan

Michigan's Upper and Lower Peninsulas give it two distinct climatic zones, each with its own severe weather risks. The Lower Peninsula is subject to severe thunderstorm activity, while the U.P. experiences intense cold and heavy snowfall, more than 150 inches per year in some areas according to the National Weather Service.

Michigan is also prone to tornadoes, hit by an average of 15 tornadoes each year according to, mostly concentrated in the southernmost areas of the state.

Michigan, the only state to border four different Great Lakes, is defined by its relationship with the water. The abundance of water, while beautiful, can present a risk to Michigan homeowners. Consider adding a flood insurance policy to cover your home and belongings if flood damage occurs.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

How much is homeowners insurance in Michigan?

Your cost for Michigan homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you've purchased in Michigan?

If you own a rental property in Michigan, get the right type of insurance policy to protect it. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about homes in Michigan

  1. Michigan is the site of historically and architecturally significant homes like the Honolulu House, inspired by Hawaiian palaces, and the Meyer May House, designed by Frank Lloyd Wright.

  2. Michigan's homeownership rate is almost 75%, according to FRED, well above the national average.

  3. Michigan's Mackinac Island has prohibited cars since the late 19th century, but its charm and limited number of houses keep real estate demand high.

Get a homeowners insurance quote in Michigan


Compare and customize your coverages and limits when you quote online.

Call a rep

Talk to a licensed representative who can help you quote home insurance.

Through an agent

Connect with a licensed independent agent in your neighborhood.