Protect the heart of your home.
No matter where you live in Michigan, your home deserves quality coverage. Learn how a House & Home® policy can help protect it from the inside out.
Types of coverage
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
Additional features
Claim RateGuard®
Helps keep your rate from increasing just because you file a home insurance claim²Claim-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 claimDeductible 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
Save on your insurance
See how to save on home insurance in Michigan.