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Best Homeowners Insurance in Detroit, MI

Nov. 19, 2019, 10:57 p.m.

Homeowners insurance provides protection when bad things happen, but about 75 percent of homeowners don’t have adequate insurance. Our partners at ConsumerAffairs researched the best home insurance in Detroit to help you find the right coverage and ways to reduce its cost.

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State Farm
State Farm
Features
  • Discounts available
  • Farm & ranch plans
  • Property assessment
  • Weather coverage
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#2
Allstate Insurance Agent: Shauna Johnson
Allstate Insurance Agent: Shauna Johnson
Features
  • Flood insurance
  • Dwelling coverage
  • Liability protection
  • Guest insurance
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#3
State Farm Agent: Tony Massey
State Farm Agent: Tony Massey
Features
  • Non-weather coverage
  • Condo insurance
  • Renters insurance
  • Property assessment
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Cagwin Agency
Cagwin Agency
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • meemic.com/insurance-agency/michigan
Location
25140 Lahser Rd., Ste. 282
Southfield, MI 48033
(248) 443-6823
Shoen Insurance Agency
Shoen Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • schoenagency.com
Location
2753 S. Milford Rd., Ste. B
Highland, MI 48357
(248) 782-8396
Arlington Agency, Inc.
Arlington Agency, Inc.
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • arlingtonagency.net
Location
38145 Plymouth Rd.
Livonia, MI 48150
(734) 265-1464
Allstate Insurance Agent: Ago Benavides
Allstate Insurance Agent: Ago Benavides
Features
  • M-F: 9am - 5pm
  • Sat: 9am - 1pm
  • Closed Sun
  • agents.allstate.com
Location
3570 W. Vernor Hwy.
Detroit, MI 48216
(313) 849-2000
Duane S. Gerlach and Associates
Duane S. Gerlach and Associates
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • gerlachinsurance.net
Location
69 Southbound Gratiot Ave.
Mount Clemens, MI 48043
(586) 649-0377
State Farm Agent: Jim Saucedo
State Farm Agent: Jim Saucedo
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 3pm
  • Closed Sun
  • statefarm.com
Location
5602 W. Vernor Hwy.
Detroit, MI 48209
(313) 841-8100
Premier Insurance Agency
Premier Insurance Agency
Features
  • M-F: 9am - 5pm
  • Sat: 10am - 1pm
  • Closed Sun
  • premierinsuranceagency.com
Location
7011 Orchard Lake Rd., Ste. 104
West Bloomfield, MI 48322
(866) 680-7283

How to choose homeowners insurance in Detroit

detroit skyline

Homeowners insurance protects from asset loss in case of fire, natural disasters and burglary. Your coverage should be high enough to replace your home and its contents. A policy also protects you from lawsuits if someone is injured on your property.

There's nowhere in Michigan with higher homeowners insurance rates than Detroit. Yet, rates are reasonable because the Detroit area is highly unlikely to suffer from natural disasters that raise rates in states prone to tornadoes, wildfires and hurricanes.

A typical policy in Detroit with midline coverage on a home that's 1,300 square feet will cost around $118 per month, or $1,226 per year.

Average home insurance rates in Detroit

Neighborhood $200,000 $400,000 $600,000
Palmer Woods - 48203 $2,100 $3,876 $5,728
Woodbridge - 48208 $2,033 $3,736 $5,516
East English Village - 48224 $2,143 $3,933 $5,776
Corktown - 48216 $2,019 $3,748 $5,558
Brush Park - 48201 $2,118 $3,894 $5,742
Boston-Edison - 48206 $2,096 $3,855 $5,686
Delray - 48209 $1,960 $3,643 $5,397
Ferndale - 48220 $1,432 $2,580 $3,746
Hamtramck - 48211 $2,113 $3,900 $5,758
Sterling Heights - 48312 $2,118 $3,894 $5,742
Livonia - 48150 $917 $11,662 $2,423
Note: Based on dwelling amounts above with a constant $1,000 deductible and $100,000 liability.

The cost of your policy depends on the value of your home and your neighborhood. The value of houses in Detroit varies from $5,000 to more than $1 million, but the majority of homes range between $25,000 and $50,000. Therefore, home insurance prices in Detroit are usually lower than the prices listed above because home and coverage values are well below $200,000.

Other factors that affect the rate of homeowners insurance include year of construction, home security features, neighborhood crime statistics, previous claims filed, credit history and the deductible and coverage amount in the policy.

Discounts on home insurance in Detroit

While some of these factors are beyond your control, you can reduce the cost of your policy by taking the following actions:

  • Adding home security features
  • Increasing the amount of your deductible
  • Replacing your roof
  • Quitting smoking
  • Bundling with car insurance
  • Removing liabilities, such as trampolines and swimming pools

Policies usually cover the main dwelling, other structures on the property and your personal belongings when damages occur from specific perils, such as:

  • Fire and smoke
  • Lighting strikes
  • Windstorms and hail
  • Explosion
  • Vandalism and malicious mischief
  • Damage from an aircraft or vehicle
  • Theft
  • Falling objects
  • The weight of ice, snow or sleet
  • Water damage

Homeowners insurance doesn't cover flood damages, and unfortunately for those living in southeast Michigan, flooding and sewer backups are two common problems. If you want coverage for damages related to water, you'll need flood insurance and/or water backup and sump pump overflow insurance. FEMA is a great resource for more information on flood insurance.

For more information on buying home insurance in Detroit, check out the state's Guide to Homeowners Insurance.

State Farm

State Farm

Being the nation’s largest homeowners insurance provider has it perks, which include offering some of the lowest rates available and a budget to develop useful products. State Farm’s Home Inventory Tool is one of those products. It maintains an inventory of all your covered belongings and their value, which is helpful in deciding the right coverage amount for your home.

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Allstate Insurance Agent: Shauna Johnson

Allstate Insurance Agent: Shauna Johnson

You know an insurance agent is good when even customers who have a complaint are rating their overall experience positively. Shauna Johnson at Allstate is one of those agents. Customers love this agency’s Detroit location, comfortable atmosphere and friendly service.

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State Farm Agent: Tony Massey

State Farm Agent: Tony Massey

State Farm agent Tony Massey is a popular area provider. He uses his policy knowledge and personalized customer service to match customers with the right policy at one of State Farm’s low prices. He’s also active in the community and supports local charities.

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