Michigan home insurance

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.

What coverage is required in your state?

See coverage details in your state.

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

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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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.

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

Save on your insurance

See how to save on home insurance in Michigan.

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