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Or call 1-866-439-5633.

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Michigan residents who bundle their home insurance with auto insurance can save up to 10 percent! 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.

what our customers say


I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

— Linda, Nevada


Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

— Tommy, Nevada


The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

— Iola, Kansas

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 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:

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. For more information about additional coverage options, give us a ring at 1-866-439-5633. Our agents are standing by 24 hours a day, 7 days a week.

stats and facts about michigan living

Michigan's housing market

Michigan was one of the hardest-hit states during the subprime mortgage crisis and the next few years that followed — but there's good news. Both the number of home sales and average home prices increased from 2014 to 2015. While home sales increased by nearly 7 percent (from 122,012 to 130,402), the average home price rose from about $140,000 to nearly $146,000, a 4 percent increase.

If your Wolverine State home has increased in value — especially if you've made renovations and remodels — it's wise to contact your homeowners insurance company to ensure your coverage is sufficient to fully financially protect you and your home.

Winters in the Wolverine State

We know Michigan's no stranger to inclement wintertime weather, with some areas receiving more than 200 inches of snow annually. Freezing temperatures and heavy snowfall can do a number on your home — including frozen (and potentially burst) pipes, roof damage, and more.

Luckily, most homeowners insurance companies, including Esurance, provide coverage for damage to your home and belongings caused by the weight of ice, snow, or sleet, burst pipes. They also cover a whole host of other hazards.

Arson and insurance fraud in Michigan

According to info from the Insurance Institute of Michigan, one in three fires in Michigan was an arson or suspicious fire in 2012 — totaling more than 2,600 arsons and an additional 8,363 suspicious blazes. And because arson is often tied to insurance fraud, such high statewide numbers significantly impact what Michiganders pay for homeowners insurance.

The good news is, if your home does fall victim to arson or a suspicious fire, your homeowners insurance will likely help cover the damage up to the dwelling coverage and personal property insurance limits you choose for your policy (as long as you or someone in your household didn't intentionally set the fire, of course).

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?

Get your free quote online.

Or call 1-866-439-5633.