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Michigan residents who bundle their home insurance with auto insurance can save even more! Here's how.

michigan homeowners insurance

Living in Michigan can be a real joy, whether you love boating on the state's countless lakes, exploring historic automobile museums, or just seeing the leaves change color in autumn. Whether you own a house in Detroit, Grand Rapids, or elsewhere in the Wolverine State, it's good to get protection for you and your belongings with homeowners insurance.

At Esurance, we provide a flexible payment schedule and a wide range of coverage limits for you to choose from, so you get the right protection for you. Get a Michigan home insurance quote and see how affordable coverage from Esurance can protect your home and more.

discounts on michigan home insurance

While you're breezing through the quote process, you'll see an assortment of discounts that can help you save even more money on your home insurance.

Take our Welcome Home discount — whether you're a new homeowner getting coverage for the first time or coming to us from another home insurer, we'll apply this discount to your first 2 policy terms.

If you go claim-free for at least a year, you stand to save with our Claim-Free discount. As you remain a responsible homeowner, you'll see bigger discounts the longer you go without incident.

Other discounts for Michigan homeowners include:

  • Loyal Customer discount
  • DIY Inspection discount
  • Multi-Policy discount
  • Home Safety Features discount
  • Smoke-Free discount
  • Preferred Buyer discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • New Home discount

standard home coverages in michigan

Your Esurance policy literally goes above and beyond the structure of your home, providing protection for the things that make your house uniquely yours. When you grab a quote for homeowners insurance, you'll see several coverages that come standard with your home insurance policy in Michigan.

Dwelling protection

Living in the Wolverine State, you're likely used to hot summers, freezing winters, and even a tornado or 2 — in fact, Michigan averages 12 of those a year. Fortunately, if a covered risk like wind, hail, or even fire damages your well-loved abode, your coverage can help pay to repair or rebuild it.

Additional living expense coverage

If you're ever temporarily forced out of your home due to a covered loss, this coverage is sweeter than a Michigan cherry. It helps cover your meals, hotel bill, and other reasonable expenses for up to 12 months (up to your coverage limit), or until you're able to go home.

Other home coverages that come standard in the Wolverine State include:

  • Personal property protection
  • Other structures protection
  • Guest medical protection
  • Family liability protection

get more protection with added coverages

For even more protection for your house in Michigan, it's wise to consider some additional coverages to your homeowners policy.

Additional coverage for jewelry, watches, and furs

Chances are you've got at least a few pieces of jewelry, family treasures, and other costly knick-knacks in your house. Fortunately, we offer high-limit coverage on items that might exceed the limits of basic personal property coverage.

And that's not all! To help you get the most from your policy, Esurance also offers optional coverages such as identity theft expense coverage, eco upgrade coverage, building codes coverage, and golf cart coverage.

Related links

Protecting your home from mold
Mold plays a necessary role in nature — it's when it enters your home that it becomes a problem.

6 tips to help prevent home burglary
Keeping crooks out of your home to begin with can help you avoid a trying ordeal and stay claims-free.

Wonder if you could be saving on homeowners insurance?

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or call 1-866-439-5633