Home Insurance

Protect Your Michigan Home and Everything In It

Your home is likely your largest investment. We help Michigan homeowners find comprehensive coverage that protects against the unexpected — from harsh winters to liability claims.

Michigan Homeowners Insurance

Michigan's weather — from ice storms and flooding to high winds — creates unique risks for homeowners. A standard homeowners policy covers your dwelling, personal property, liability, and additional living expenses if you're displaced. We make sure you're not underinsured when it matters most.

Home Insurance Options

Standard Homeowners (HO-3)

The most common policy type. Covers your home's structure against all perils except those specifically excluded, plus personal property and liability.

Best for: Most Michigan homeowners with a standard single-family home

Condo Insurance (HO-6)

Covers your unit's interior, personal property, and liability. Works alongside your condo association's master policy.

Best for: Condo owners in Detroit, Grosse Pointe, and Southeast Michigan

Renters Insurance

Protects your personal belongings and provides liability coverage if you rent your home or apartment. Very affordable — often less than $20/month.

Best for: Renters who want to protect their belongings and personal liability

Flood Insurance

Standard homeowners policies do not cover flood damage. Separate flood insurance through the NFIP or private carriers is essential in flood-prone Michigan areas.

Best for: Homes near rivers, lakes, or in FEMA flood zones

What Your Policy Covers

Dwelling Coverage

Repairs or rebuilds your home's structure if damaged by covered perils like fire, wind, hail, or vandalism.

Personal Property

Replaces your belongings — furniture, electronics, clothing — if stolen or damaged.

Liability Protection

Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.

Additional Living Expenses

Pays for hotel, meals, and other costs if your home is uninhabitable due to a covered loss.

Medical Payments

Covers minor medical bills for guests injured on your property, regardless of fault.

Get a Free Home Insurance Quote

We compare rates from multiple Michigan-licensed carriers to find you the best coverage at the best price.

Get a Free Quote

Homeowners insurance products are subject to underwriting approval and Michigan state regulations. Coverage terms, exclusions, and premiums vary by carrier, property location, and individual risk factors. Flood insurance is a separate policy and is not included in standard homeowners coverage. Detroit Insurance Services is licensed by the Michigan Department of Insurance and Financial Services (DIFS), License #0155446.