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
