Best Homeowners Insurance in Michigan

Michigan's best home insurance companies are Auto-Owners, Chubb, State Farm, Encompass, and The Hanover. Auto-Owners excels overall, State Farm is the most affordable, and The Hanover offers the best coverage. Compare all our top picks:

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Our rankings reflect the best overall providers, but what's best for you may differ based on your home type or personal needs. We highlight the top insurers across major categories:

Home insurance provider rankings in Michigan cities vary based on policy affordability, local customer service and available add-on coverage options. Chubb ranks best in Detroit, while Auto-Owners tops the list in Warren. The top options for each city to help you choose the best provider for your location:

Here are the top home insurance providers in Michigan, based on MoneyGeek score:

State Farm is the most affordable home insurance provider for most homeowners in Michigan. It ranks above the national average in customer service, placing seventh in customer satisfaction according to J.D. Power studies. State Farm offers add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.

Chubb leads in customer service among Michigan home insurance companies. According to J.D. Power, it holds the top claims satisfaction score and top customer satisfaction score. Chubb offers its HomeScan® infrared inspections to detect hidden issues, employment practices liability coverage for household staff and valuable articles insurance with agreed value and breakage protection for collectibles.

The Hanover is the most expensive option for Michigan homeowners. Its extensive coverage includes unique add-ons like guaranteed replacement cost coverage that insures the full replacement cost to rebuild your home regardless of rising material and labor costs and extended dwelling replacement cost that helps make up the difference up to an additional 25%.

Finding the best insurance for your needs can be challenging, so we’ve created a step-by-step guide to help you choose the right option.

Michigan's best homeowners insurance companies are Auto-Owners, Chubb and State Farm. We recommend these providers, but researching and comparing options helps you find the best fit for your needs.

Our FAQ answers common questions about picking the right home insurance in Michigan.

Michigan homeowners face unique challenges that demand the right insurance coverage. Great Lakes weather brings heavy snow, ice dams and freezing temperatures that burst pipes. Older homes in Detroit and Flint need coverage for aging infrastructure. Northern Michigan properties face wildfire risk during dry summers. We designed our analysis to help Michigan homeowners find affordable coverage that protects against these state-specific threats.

We rated the best homeowners insurance providers in Michigan by analyzing rates, customer service and coverage options across the state's diverse housing landscape, from Detroit's historic neighborhoods to Grand Rapids' suburban developments to lakefront properties along Lake Michigan and Lake Huron.

Our scoring approach

Affordability drove 55% of our score because Michigan's home insurance costs vary significantly by location and home age. Providers scored higher if they offered competitive rates across various factors including dwelling coverage, deductible levels and homeowner profiles. We evaluated discount availability (bundling, home security systems and claims-free histories) because Michigan homeowners need affordable protection despite the state's challenging weather.

Customer satisfaction accounted for 30%— because you need an insurer that handles claims efficiently when winter storms damage your roof or a frozen pipe floods your basement. Scores came from Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling. Auto-Owners and Chubb consistently ranked highest for Michigan customer service.

Coverage options made up 15% because Michigan homes face diverse risks requiring specialized protection. We assessed the number of add-on options, unique features and state availability. Coverage like water backup protection, guaranteed replacement cost and freeze damage matters for Michigan's harsh winters and aging housing stock, particularly in Detroit's older neighborhoods where infrastructure challenges create additional risk.