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    Michigan homeowners insurance

    exterior of a home

    Many people know Michigan as the home of The Motor City, but there's a whole lot more to the Great Lake State than Detroit. Residents know the state also lays claim to some of the finest lakefront regions in the country, as well as a plethora of charming cities like Ann Arbor and Lansing. Whether you've settled down somewhere in the mitten or in the upper peninsula, you'll want to make sure your home is protected for the long run.

    Keep it safe with homeowners insurance from Nationwide and enjoy all the benefits of flexible, reliable coverage built for your needs. Get a Michigan homeowners insurance quote and start protecting your home today.

    Michigan homeowners coverages and discounts

    Bundle your insurance policies and save money

    Want to get even more flexible with your coverage? By bundling your home and auto policies with Nationwide, you can save up to 20 percent on your coverage. Saving for that dream lakefront property? Looking to fund season tickets at the Big House? You know where to start. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying all that Michigan has to offer.

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    What factors go into determining a homeowners insurance rate?

    While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

    Location

    Location includes the state, ZIP code, and claims history of the area.

    Construction

    The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

    Age of the house

    How new or old the house is, and the upgrades that were made to an older home.

    Replacement cost

    The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

    Swimming pool

    Owning a swimming pool may increase your liability coverage to cover possible injuries.

    Home-based business

    If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

    Coverage

    The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

    Find Nationwide Insurance near you in Michigan

    Save up to 20% when you bundle home and car insurance with Nationwide.
    Get a free quote

    Free homeowners insurance review

    A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy
    Call Nationwide at 1-877-On-Your-Side and get your Michigan homeowners insurance quote today.

    Nationwide coverage in Michigan

    Auto insurance

    Find auto coverages and discounts for your state.

    Renters insurance

    Find renters coverages and discounts for your state.

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.