Looking for homeowners insurance in Michigan? Learn about the different home coverages and the discounts you can get for cheap homeowners insurance in MI.
Boasting the world's largest football stadium, longest freshwater coastline, and deep history in music (Motown Records) and automotive manufacturing (Motor City Detroit), Michigan offers residents a lot to love. Progressive can help you love your home even more with affordable, customized homeowners insurance to protect all the things that make life on the peninsula so unique. If you own a home in Michigan or are thinking about buying, discover the coverages, discounts, and costs for homeowners insurance in the Great Lakes State.
Michigan doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and a-sets. A typical policy will include the following:
Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage helps cover costs a-sociated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Michigan's Upper and Lower Peninsulas give it two distinct climatic zones, each with its own severe weather risks. The Lower Peninsula is subject to severe thunderstorm activity, while the U.P. experiences intense cold and heavy snowfall, more than 150 inches per year in some areas according to the National Weather Service.
GST taxpayers can't claim any pending input tax credit if this return is not filed by November 30, 2024 for FY 2023-24
