Keep your space safe in every season
Types of coverage in Michigan
Take a closer look at what's usually covered by a House & Home policy in Michigan.
Protects the structure of your house, such as the roof and walls
Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
Protects the physical structure of buildings on your property separate from your home, such as a detached garage
Defends and protects you if a person sues you after being injured on your property or after you damage their property
Guest medical protection
Pays medical expenses for someone who's injured on your property
Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss
Claim RateGuard®Helps keep your rate from increasing just because you file a home insurance claim²
Claim-Free RewardsGives you a discount for switching to Allstate without any recent claims, plus 5% back for every year you don't have a claim
Deductible Rewards℠Gives you $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim — up to $500³
How to insure your home in Michigan:
Choose your coverage.
No two homes are alike. You and your agent will work together to design an insurance policy that fits your place.
Apply for a policy.
We help make the process quick and easy, so you can start protecting your home as soon as possible.
As your life changes, so do your home insurance needs. An agent will work with you to help make sure what you love is covered.
Get access to home insurance discounts
Protecting your home doesn't have to be expensive. And with a variety of discounts and savings opportunities, Allstate makes it even easier to get a good deal in Michigan. Here are a few featured discounts:
Save up to 25% when you bundle home and auto policies with Allstate.
Responsible payment discount
Savings for having a good payment history like paying on time and payment type (in-full, escrow, etc.).
Save up to 20% when you switch to Allstate without a recent home insurance claim.
See other ways to save on home insurance in Michigan.