While it’s not entirely necessary to have homeowners insurance in Michigan, the smart play would be to have it. The last thing you want is a catastrophic disaster to happen, that leaves you without a home and without a dollar in compensation.
There are a lot of places to find Michigan homeowners insurance quotes, but home insurance in Michigan is unlike some other states. They have unique setbacks that need to be carefully considered when purchasing insurance.
Michigan is a victim to all four seasons of nature, which over time can do considerable damage to a home, whether the homeowner knows it or not. For some residents, there is also the potential for flooding, in which case, it’s most likely an additional charge and rider may be needed to properly protect your home.
When looking for homeowner insurance, you should have an idea of the type of coverage you need. Being cheap is a bonus, it shouldn’t be the main sticking point. A few of the better home insurance companies to check out are:
State Farm. Just about everyone has heard the name before and they are one of the top home insurance providers in Michigan. They have a great reputation, when it comes to their claim services. They also offer a few great discounts, which is always a great benefit. Also, because they are a huge national company, they have a great consistent financial rating.
Home-Owners Insurance is another good option. They offer all kinds of policies for whatever your property situation may be. They have multi-policy discounts and a few other options to help bring down the total cost of your premium. They also have a great service resting and financial rating.
Citizens Insurance Company of America and Auto Club Group insurance, are two other companies to look at. CICA is in the top 25 insurers for the nation, with many optional and additional packages to include with a basic coverage plan. Auto club is one of the biggest AAA clubs in North America. They have multiple policies as well, and offer multiple discounts, if you qualify.
It’s always a good practice to look at multiple insurance companies to make sure you’re getting the best deal you can. With that in mind, it won’t hurt to also look at Progressive and Farmers. They’re two national companies, which are sure to be able to offer great services and hopefully cheaper rates.