Your Guide to Homeowners Insurance For Michigan Consumers Page 1 Your Guide to Homeowners Insurance 2025

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The average annual cost of home insurance in Michigan is $1,785. Thats 7% less than the national average of $1,915. In most U.S. states, including Michigan, many insurers use your credit-based insurance score to help set rates.
Earthquake, flood, mold, earth movement, and wear and tear are some of the perils that are usually excluded.
Average Cost of Homeowners Insurance in Your State StateTotal Annual Average$350,000Dwelling Coverage California $1,222 $995 Colorado $2,463 $2,056 Connecticut $1,333 $1,083 Delaware $1,142 $87246 more rows Feb 19, 2025
Homeowners insurance on a $400,000 home by liability level State$400,000 with a $1,000 deductible and $100,000 liability$400,000 with a $1,000 deductible and $300,000 liability Arizona $3,038 $3,063 California $1,752 $1,772 Colorado $4,976 $4,976 Connecticut $2,695 $2,72322 more rows 5 days ago
The 80% rule dictates that homeowners must have replacement cost coverage worth at least 80% of their homes total replacement cost to receive full coverage from their insurance company.
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Average cost of home insurance on a $300,000 house by state StateAverage Annual Premium California $1,782 Colorado $4,072 Connecticut $1,764 Delaware $1,20747 more rows Jul 31, 2024
Admitting Fault, Even Partial Fault. Even if you think you may be partly at fault for the accident, do not discuss this with an adjuster. Avoid any language that could be construed as apologetic or blameful. Admitting any level of fault can eliminate or reduce the compensation that may be available.

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