Home Insurance in Michigan

Home Insurance in Michigan averaged $1,110 a year in 2023, 36% below the national average, per the NAIC, plus the rules that shape your policy.

What home insurance costs in Michigan

Homeowners in Michigan paid an average of $1,110 a year on a standard HO-3 policy in 2023, 36% below the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,157.

Michigan rules worth knowing

• HO-8 (older homes, repair-cost basis): $1,791 a year
• Regulator: Department of Insurance and Financial Services

Source: NAIC Homeowners Insurance Report, 2023 data. Figures are the most recent the NAIC has published; nothing on this page is estimated or modelled.