Homeowners Insurance in Michigan

The average Michigan homeowners premium is $1,110 a year (NAIC) — ▼ −36% versus the U.S. average of $1,737, ranking 47th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Michigan

Homeowners (HO-3)

$1,110

NAIC average / year

Renters (HO-4)

$178

U.S. $173

Median home value

$231,600

Census ACS

FEMA expected loss rating

Relatively Moderate

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Michigan's median home value of $231,600 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Michigan

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Relatively Moderate	73.6	$58,361,458
Tornado	Relatively High	94.3	$473,612,504
Hurricane	Very Low	30.4	$1,659,415
Inland (river) flooding	Relatively Moderate	78.6	$1,517,600,101
Coastal flooding	Very Low	32.4	$560,891
Wildfire	Very Low	29.4	$2,318,098
Earthquake	Very Low	37.5	$32,051,714
Winter weather	Very High	83.9	$18,820,069
Strong wind	Very High	96.2	$163,647,481
Lightning	Relatively Moderate	57.7	$29,013,391

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Flint ($340) and the highest in Ann Arbor ($1,910).

City	Median home value	Median year built	Hail / wind	Est. premium
Detroit	$83,900	1947	Relatively Low / Very High	$500
Grand Rapids	$244,500	1953	Relatively Moderate / Very High	$1,150
Warren	$193,400	1965	Relatively Moderate / Very High	$970
Sterling Heights	$274,300	1977	Relatively Moderate / Very High	$1,285
Ann Arbor	$453,400	1971	Relatively Moderate / Relatively High	$1,910
Lansing	$128,700	1959	Relatively Moderate / Very High	$685
Dearborn	$218,800	1952	Relatively Low / Very High	$1,075
Livonia	$281,100	1964	Relatively Low / Very High	$1,315
Westland	$184,600	1969	Relatively Low / Very High	$940
Flint	$53,500	1954	Relatively Moderate / Relatively High	$340
Kalamazoo	$179,000	1959	Relatively High / Relatively High	$885
Battle Creek	$141,900	1956	Relatively Moderate / Relatively High	$705
East Lansing	$270,800	1975	Relatively Moderate / Very High	$1,240
Saginaw	$60,000	1949	Relatively Moderate / Relatively High	$365
Muskegon	$142,300	1951	Relatively Low / Relatively High	$655
Bay City	$97,600	1941	Relatively Moderate / Relatively High	$515

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Frequently asked questions

How much is homeowners insurance in Michigan?

NAIC data puts the average Michigan homeowners (HO-3) premium at $1,110 a year, ranking 47th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Michigan?

The NAIC average renters (HO-4) premium in Michigan is $178 a year.

What natural hazards affect home insurance in Michigan?

FEMA's National Risk Index rates Michigan relatively high or very high for expected annual losses from tornado, winter weather, and strong wind. Standard homeowners policies exclude flood and earthquake, which need separate coverage.

Does homeowners insurance cover floods in Michigan?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page