Updated: November 26, 2024
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In Lansing, MI, Auto-Owners Insurance is both the overall best and cheapest choice for home insurance. However, if customer service is your priority, Chubb is the best.
These companies cater to different needs, so we recommend choosing a provider based on what is important to you. Factors like cost, service quality and coverage matter when selecting home insurance.
Best HomeInsuranceLansing, MITable of Contents
Why Trust MoneyGeek? We collected data from Michigan's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Lansing, ensuring reliable data supports our suggestions.
Home insurance premiums in Lansing represent the most competitive rates as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option for home insurance in Lansing, MI, for $100K dwelling coverage, with a MoneyGeek score of 97 out of 100.
The scores for home insurance companies in Lansing range from 48 to 97. These figures reflect MoneyGeek's scoring system, where insurers may receive different scores based on factors like credit history and the age of your home.
| Auto-Owners Insurance | 97 | $291 |
| Chubb | 91 | $632 |
| State Farm | 78 | $946 |
| Farmers | 77 | $647 |
| ASI | 68 | $462 |
| Encompass | 65 | $1,023 |
| The Hanover | 48 | $2,012 |
MoneyGeek found that Auto-Owners Insurance is the best option in Lansing, MI, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance is the best home insurance provider because it offers excellent affordability and strong coverage features.
Multiple companies offer varying cost and service experiences in Lansing. While cost is a crucial factor, customer satisfaction and coverage options are also important, especially when making claims.
Auto-Owners Insurance scores high with MoneyGeek due to its affordability and customer satisfaction.
It offers comprehensive home insurance coverage, including guaranteed replacement cost, personal property replacement and equipment breakdown. Guaranteed replacement cost ensures your home is fully covered if your policy limit is too low. Personal property replacement cost protects your belongings from damage or loss. Equipment breakdown covers failures of home systems like air conditioners and computers.
You can save with discounts like responsible payment, which rewards timely premium payments, and paperless billing.
MoneyGeek found that Chubb is the best option for home insurance with the best customer service in Lansing, MI. If you're looking for coverage for a $100K dwelling, here are the top two providers:
Chubb is the top choice mainly due to its outstanding customer satisfaction and robust coverage options. Besides these strong points, choosing Chubb gives you reliable protection for your home. Excellent service in home insurance helps you when you need it and ensures you're fully covered.
Chubb scores high on satisfaction and coverage. It offers comprehensive home insurance with coverages like guaranteed replacement cost, building ordinance or law and cash settlement, which helps if you decide not to rebuild after a loss. You can save with discounts like new home and home renovation. For example, you get a discount if your home has been renovated in the last six years.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option in Lansing, MI. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance balances great affordability score and high coverage. While cheap home insurance is wallet-friendly, it may offer lower coverage. In cases where saving on premiums is key, consider the most affordable companies or learn the average cost of homeowners insurance in Michigan. The best cheap home insurance focuses on good value, balancing cost and coverage, unlike the cheapest options which focus solely on low prices.
Auto-Owners Insurance scores high on affordability and satisfaction and offers comprehensive coverages like guaranteed replacement cost and scheduled personal property. Other coverages include personal property replacement cost, which helps if your things get damaged, building ordinance or law coverage that pays for repairs to meet local codes and equipment breakdown to protect against failures of home appliances.
You can save with discounts like responsible payment, which you can qualify for by paying on time for 36 months, and paperless billing.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 13, 2024
Many factors influence homeowners insurance in Lansing, with location being one of them. Comparing rates is key to saving, but it might take over an hour as each company can consume 15 minutes of your time. Use MoneyGeek's home insurance calculator to save instantly by entering details like age, dwelling coverage and credit score.
Auto-Owners Insurance is the most economical choice for home insurance in Lansing, MI. The key factor affecting home insurance premiums is the dwelling coverage selected.
Auto-Owners Insurance not only ranks cheapest but also scores highest among others. The cheapest homeowners insurance in Michigan aids financial management.
| Auto-Owners Insurance | $291 |
| ASI | $462 |
| Chubb | $632 |
| Farmers | $647 |
| State Farm | $946 |
| Encompass | $1,023 |
| The Hanover | $2,012 |
Auto-Owners Insurance is the most affordable option for high-value homes in Lansing, MI. High dwelling coverage is essential for homes with higher replacement costs, as home insurance costs can rise rapidly.
Auto-Owners Insurance stands out in Lansing with its affordability and strong reviews. According to MoneyGeek, this company offers the lowest premiums while maintaining high customer satisfaction. However, the cheapest option may not always be the best choice in terms of overall service and coverage quality.
| Auto-Owners Insurance | $412 |
| ASI | $1,904 |
| Farmers | $2,592 |
| Encompass | $3,481 |
| State Farm | $3,926 |
| Chubb | $4,329 |
| The Hanover | $7,251 |
MoneyGeek found that Auto-Owners Insurance offers the most affordable home insurance for new homes in Lansing, MI.
Auto-Owners Insurance is known for cost-effectiveness, being the least expensive homeowners insurance in Lansing. While it offers the lowest premium, it may not be the top choice according to other factors. Ensure you also have adequate coverage for your needs.
| Auto-Owners Insurance | $280 |
| ASI | $282 |
| Farmers | $464 |
| Chubb | $474 |
| State Farm | $568 |
| Encompass | $605 |
| The Hanover | $729 |
Affordable homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in Lansing depends on your needs. Consider factors like coverage options, customer service and claims process, apart from premiums. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider factors like rebuilding costs, personal property value and liability needs specific to Lansing.
Research insurance companies that operate in Lansing. Look for those with a solid financial standing, positive customer feedback and a history of reliable service.
Once you've identified your coverage needs, compare home insurance quotes. In Lansing, $100K dwelling coverage premiums range from $291 to $2,012 annually.
Inquire with each insurer about discounts you might qualify for, such as bundling, installing safety devices or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can handle if a claim arises.
Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially decrease insurance costs.
A good credit score can influence your insurance rates in Lansing. Pay bills promptly and minimize outstanding debts.
Consider combining your homeowners insurance with other policies, like auto insurance, to achieve cost savings.
The best cheap home insurance provider in Lansing depends on what coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Lansing.
Home insurance in Lansing costs an average of $643 annually.
The cheapest home insurance company in Lansing is Auto-Owners Insurance, with an annual premium of $291.
The best home insurance in Michigan for Lansing residents is from Auto-Owners Insurance, with a MoneyGeek score of 97 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
