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Michigan Home Insurance

Feel Safe And Sound With House & Home®.

It doesn't matter if you're above the Bridge or below it—as a Michigan homeowner, you can take advantage of Allstate's exclusive House & Home insurance. A House & Home policy offers you more options and more flexibility when you're choosing the limits, deductible and types of coverage you want on your home insurance policy.

From Detroit, Grand Rapids and Lansing all the way to the U.P., there are Allstate agents ready to help you. Find your local agent to learn more about the benefits of insuring your Michigan home with a House & Home policy.

State Map

Home insurance information is based on your current location.



Standard Home Insurance Coverage Explained.

Understanding the types of coverage on your home insurance policy can help you understand exactly what's protected. Most House & Home policies in Michigan include the following types of standard coverage:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.

Enjoy More Coverage Options With House & Home.

With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some coverage options available to you could include data recovery, identity theft restoration and protection for valuable items like camera equipment.

Now only Allstate offers these three unique features* together to help protect your rate from going up if you have a claim and reward you by saving you money when you don't. Features like:

  • Claim RateGuard® - Helps protect your rate from going up just because you file a home claim.**
  • Claim Free Rewards - Get a discount for starting out claim-free, plus money back for every year you don't have a claim.
  • NEW! Deductible Rewards for Home - Get $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim - up to $500.***

Claim or not, Allstate House & Home Insurance can help protect you and save you money.

Talk to an agent to understand all the optional coverage available to you.

You Can Count On Your Local Michigan Agent.

In addition to dependable home insurance coverage, you'll have the support of an Allstate agent who understands the needs of homeowners in the Great Lakes State. Your Michigan home insurance agent can:

Find an agent for more information about Michigan home insurance.

Michigan Home Insurance Discounts.

In the Bay State, quality home insurance from Allstate is more affordable than you might think. You can also take advantage of many home insurance discounts that can help you save on your home insurance premium.

Learn more about Allstate home insurance discounts.

Home Sharing? We've Got You Covered.

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Renting your home occasionally to home-sharing guests can be a great way to earn extra income, but also brings additional risks. You can help make sure your stuff is protected for just $50 per year by adding HostAdvantageSM to your home insurance.*

Learn more

*Features are optional and a part of the Enhanced Package. Subject to terms, conditions and availability. Savings will vary.
**This feature applies to one claim every five years.
***Must add Enhanced Packaged within 60 days of policy inception to earn an additional $100 reward at the 1st annual renewal. Max deductible rewards that can be used in event of a claim is $500. Subject to availability. Not available in all states. Exclusions apply.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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