Whether you're renting an apartment in Detroit or the college town of Ann Arbor, having renters insurance to protect your belongings is key. No matter what your budget, Nationwide provides affordable renters options that cover personal liability losses to your property and more. Nationwide’s renters insurance for Michigan residents provides customizable coverage at affordable rates. We even offer renters insurance discounts to help our members save more. Protect your rented apartment or home – start a Michigan renters insurance quote online now.

Is renters insurance required in Michigan?

While renters insurance is not required by law in Michigan, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Michigan renters coverages and discounts

person shield

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

Get renters coverage

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

See how you can save

Policy features that may meet the needs of Michigan renters

Having a renters insurance policy to cover your possessions and property can make a world of difference in the event of a theft or even a fire. Nationwide has coverages available for your rented home in Grand Rapids, your apartment in downtown Detroit and more.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

Nationwide agents throughout Michigan are ready to assist you

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We have Nationwide agents throughout Michigan.

What factors go into determining a renters insurance rate?

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


The location of the rental property includes state and ZIP code.


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


The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

Michigan is known to experience extreme coldness in the winters that can lead to burst or frozen pipes. Fortunately, most renters insurance policies will cover this type of water damage; however, any damage caused by a flood usually requires a separate policy. It is also important to note that if you are not living where you are renting at the time of the incident, you may not be able to receive any reimbursement for your belongings.

Get a free Michigan renters 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 renters insurance quote today.

Nationwide coverage in Michigan

[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

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.