Michigan home insurance

Keep your space safe in every season

No matter where you live in Michigan, your home is exposed to the elements. Learn how a House & Home® policy can help protect you where you live.

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Get a sense of pricing or weigh your coverage options to easily insure your home.
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Types of coverage in Michigan

Take a closer look at what's usually covered by a House & Home policy in Michigan.

Dwelling coverage
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

Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage

Liability protection
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

optional coverage

Your House & Home policy might not quite cover all the things that make your place unique. By adding optional coverage, like yard and garden insurance, musical instruments insurance and more, you can help protect what you love.
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Additional features

Only Allstate offers all three unique features¹ that work together to help protect you and save you money, whether or not you have a claim.

  • Claim RateGuard®

    Helps keep your rate from increasing just because you file a home insurance claim²

  • Claim-Free Rewards

    Gives 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.

Stay protected.

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:

Multi-policy 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.).

Claim-free discount

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.

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