Michigan Home Insurance That Actually Protects You

Your home should be insured for its full replacement cost — what it would actually cost to rebuild from the ground up at today's labor and material prices, not what you paid for it or what it would sell for. We use carrier estimators that pull from your home's square footage, construction type, and features to calculate this accurately.

A standard Michigan homeowners policy includes: Dwelling (Coverage A) — the structure itself; Other Structures (Coverage B) — detached garages, sheds, fences; Personal Property (Coverage C) — your stuff; Loss of Use (Coverage D) — living expenses if your home is unlivable after a claim; Personal Liability (Coverage E); and Medical Payments (Coverage F). Flood and earthquake are NOT included and require separate coverage.

Often, yes. Going from a $500 to a $1,000 or $2,500 deductible typically saves 10-25% on premium. The math works out for most homeowners who can absorb the higher deductible — assuming you don't file small claims that would have been better paid out of pocket anyway.

In recent years, replacement cost inflation, severe weather losses, and reinsurance market shifts have driven double-digit increases across Michigan. Your individual rate is also affected by your claims history, the carrier's territory rating, and your roof age. The good news: not all carriers have raised rates equally — which is where shopping with us pays off.

If you're in a FEMA-designated Special Flood Hazard Area or near a lake/river, almost certainly yes — and your mortgage company will likely require it. Even if you're not in a flood zone, flooding is the most common natural disaster in the U.S. and standard homeowners policies do NOT cover it. We write flood through the NFIP and private flood markets.