Michigan Homeowners Insurance

You might not live exactly like your parents. Why should you insure your home in the exact same manner? With a Farmers FlexSM Personal Home policy, you can choose quality coverage for your lifestyle today, with new ways to help you save.

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Home Insurance Coverage Options in Michigan

A standard homeowners insurance policy typically includes three major types of coverage: dwelling coverage, which helps pay to repair or rebuild your home if it’s damaged or destroyed by a covered, sudden, accidental event; personal property coverage, which helps pay to repair or replace your belongings; and liability coverage, which helps in case you’re financially responsible for injury to others or damage to their property for incidents covered by the policy.

The new Farmers FlexSM Personal Home policy in Michigan gives you three highly customizable packages as a starting point:

  • Standard - Basic coverage for an affordable price
  • Enhanced - Provides higher coverage limits and additional optional features
  • Premier - Coverage with higher limits and the broadest choice of optional features

Read more about other types of Home insurance coverage.

Typical home insurance policies offer coverage for damage caused by:

  • Windstorms and hail 
  • Lightning strikes 
  • Fire 
  • Vandalism and theft 
  • Explosion 
  • Falling objects 
  • Damage caused by weight of snow or ice

Michigan home insurance discounts

Farmers® builds value into every policy —but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Michigan. For example:

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Multi-policy

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Protective devices

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Non-smoker

See a list of potential home insurance discounts. Not all listed discounts are available in Michigan.

View more coverage options in Michigan

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Auto insurance

Find out minimum state requirements for auto insurance in Michigan, available discounts, information on our Signal app and more.

View car insurance details and discounts for Michigan

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