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Home & Umbrella Insurance Quotes Michigan

It Is Estimated That More Than 50% Of Michigan Homes Are Underinsured

Dont’t Pay Out Of Pocket

Natural disasters and fires are the cause of 70% of home insurance claims, water leaking or burst pipes account for 20% of claims, and other unforeseen incidents such as a falling tree on a roof or someone hurting themselves on your property or theft make up the remainder 10% of home insurance claims.

If you are not properly covered for these situations, you will have to pay most if not all of the costs out of pocket. And to make things scarier, the cost to rebuild, repair and/or restore your home is now 50% higher today.

Fortunately, you can avoid financial destruction by obtaining a quote on an affordable home insurance policy that fully covers your needs.

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Average Quote For Home Insurance In Michigan

The average cost of home insurance in Michigan is $908 per year, which is slightly lower than the national average of $1,173.

Your flood insurance premium is determined by the FEMA region in which your home is located. Those who have homes in regions deemed a higher risk for flooding will pay more. The average flood insurance premium for states within FEMA region V, including Michigan, is $1,017.

The average cost of condominium insurance in Michigan is $331 annually – 44% lower than the national average of $478.

Umbrella insurance can range from $200 to over $1,000 per year depending on your limit and where you live.

What You Need To Know When Reviewing Your Home Insurance Quote

What We Cover

Personal property coverage, dwelling coverage, liability protection, guest medical protection and more. We also offer a $1,000,000 umbrella policy for around $145 per year.

Factors To Consider

It is critical to get the right type of property insurance for your situation to protect your family from legal action if someone injures themselves on your property. Equally important is getting a policy quote that would cover the costs of damage to your home from a natural disaster.

Home Discounts

If the cost of homeowners insurance is getting you down, there are measures you can take to lower your premium. Shop around and get several quotes, review the value of your possessions and the limits in your policy, bundle your home and auto insurance together, make your home more disaster-resistant and improve your home’s security.

When Required

Did you know that most lenders require their borrowers to have homeowner’s coverage before finalizing their mortgage? The majority of Michigan lenders need proof that you have enough coverage to pay for the cost of rebuilding your home from the ground up if necessary.

Extra Protection

Umbrella insurance is of great value to those who own many assets or are at great risk of being sued. These policies provide extra liability protection that protects you if you are sued for injuries sustained on your property or damages to another person’s property.

If you take all of the above info into account, you will be well on your way to getting a budget-friendly, accurate home insurance quote in Michigan.