Best Homeowners Insurance in Michigan


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in Michigan are Auto-Owners, Chubb and State Farm.

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Auto-Owners offers the best overall home insurance for most Michigan homeowners. For those with bad credit, Chubb could be a more suitable option.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies 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 below.

Auto-Owners Insurance95222
Chubb94413
State Farm92135
Encompass77353
The Hanover75541

*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.

Best Homeowners Insurance Companies by Category

Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.

Auto-Owners Insurance95Overall
Auto-Owners Insurance96Older Homes
Auto-Owners Insurance94Newer Homes
Auto-Owners Insurance96High-Fire-Risk Areas
Chubb96Bad Credit
Auto-Owners Insurance96With Claims History

Best Michigan Home Insurance by City

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

Ann ArborChubb91
DetroitChubb96
Grand RapidsAuto-Owners Insurance93
LansingAuto-Owners Insurance92
Sterling HeightsAuto-Owners Insurance94
WarrenAuto-Owners Insurance97

Best Michigan Home Insurance Reviews

Explore the standout home insurance providers in the Great Lakes State, showcasing leaders in affordability, customer service, and coverage options, all evaluated with the trusted MoneyGeek score.

State Farm: Best for Affordability

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

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Newer Homes in High-Fire-Risk Areas$94$1,132
Newer Homes$94$1,132
Older Homes$157$1,880
Older Homes in High-Fire-Risk Areas$157$1,880

Chubb: Best for Customer Service

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 also 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.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
Newer Homes$128$1,535
Newer Homes in High-Fire-Risk Areas$128$1,535
Older Homes in High-Fire-Risk Areas$172$2,066
Older Homes$172$2,066

The Hanover: Best for Coverage

For most homeowners in Michigan, The Hanover is the most expensive option for home insurance. However, 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%.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
Newer Homes$193$2,316
Newer Homes in High-Fire-Risk Areas$193$2,316
Older Homes in High-Fire-Risk Areas$558$6,696
Older Homes$558$6,696

How to Find the Best Home Insurance in Michigan

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.

  1. 1

    Determine your coverage needs

    Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside, and local risk factors that might affect your coverage.

  2. 2

    Research costs and discounts

    Figure out how much home insurance costs in Michigan to see if providers offer savings. Also, check for discounts you qualify for to maximize your savings, such as bundling insurance or installing home safety devices.

  3. 3

    Find the best providers for you

    After researching coverage and costs, search for the best and cheapest home insurance in Michigan. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.

  4. 4

    Compare multiple providers through all means

    With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.

  5. 5

    Make an informed decision

    After evaluating all the data, make your final selection. Consider the balance of coverage, price, and reputation of the insurer.

Best Homeowners Insurance in Michigan: Bottom Line

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

Best Home Insurance in Michigan: FAQ

Explore our FAQ section to find answers to common questions about picking the right home insurance in Michigan.

Which company is best for home insurance in Michigan?

Who has the most affordable homeowners insurance in Michigan?

How do you get the best homeowners insurance in Michigan?

How We Decided the Best Home Insurance in Michigan: Our Methodology

We rated the best homeowners insurance providers in Michigan using this methodology:

  • Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
  • Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
  • Coverage (15%): We assessed the number of add-on options, unique features and availability by state.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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