Insurance
Homeowners Insurance in Michigan
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Michigan homeowners paid about $1,056 a year on average in 2022, well below the U.S. average of $1,569. Winter is the big risk here: burst pipes, ice dams, and heavy snow.
Most standard policies cover those. The gap that catches many Michigan homeowners is water that backs up through a drain or sump pump. That usually needs an add-on.
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Do you need homeowners insurance in Michigan?
State law doesn't require it. But if you have a mortgage, your lender will. If your policy lapses, the lender can buy one for you and add it to your payment. That's called force-placed insurance, and it usually costs more.
What's different in Michigan
Winter damage is usually covered
Standard Michigan homeowners policies generally cover winter damage like:
- Burst pipes from freezing
- Ice dams, which form when melting snow refreezes at the roof edge and water backs up under the shingles
- Wind damage and leaky roofs
- Collapse from the weight of ice or snow
Protect your claim. Keep your heat at 65 degrees or higher so pipes don't freeze. If you travel, have someone check on the house. Keep gutters clear to help prevent ice dams. See gutters and insulation, since a well-insulated attic helps prevent ice dams too.
Sewer and drain backup is usually not covered
Water that backs up through a sewer, drain, or sump pump isn't covered by a standard policy. You can add water backup coverage for an extra cost. It's written either as a set dollar limit or as a percentage of your dwelling coverage.
Even with the add-on, it usually doesn't cover:
- Flooding
- Repairing or replacing the broken sump pump itself
- Wear and tear or lack of maintenance
With spring snowmelt and heavy rain, this add-on is worth pricing out, especially if you have a finished basement.
Flooding needs its own policy
Flood damage is excluded from standard policies. See flood insurance.
If you're turned down: the MBPIA
The Michigan Basic Property Insurance Association (MBPIA) offers coverage to people who can't get it from regular insurers. It sells homeowners, renters, condo, dwelling fire, and commercial property policies. Its homeowners forms are similar to the standard policies regular insurers use.
What changes your price in Michigan
- Your home's age and rebuild cost.
- Your roof. Older roofs can mean higher prices.
- Your claims history.
- Your deductible. A higher deductible usually lowers your price.
- Add-ons. Water backup coverage adds a little but closes a big gap.
Not a quote or an offer. Your price comes from the insurance company.
What to ask before you choose
- "Does this include water and sewer backup coverage? What's the limit?"
- "What does the policy expect if I leave the house empty in winter?"
- "Is my home covered at replacement cost?" See how much homeowners insurance you need.
- "What's my deductible in dollars?"
- "Do I need flood insurance?"
The catch: a finished basement can hold tens of thousands of dollars in flooring, drywall, and furniture. Without water backup coverage, one backed-up drain in a spring storm can mean paying for all of it yourself.
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Flood Insurance
Explore flood coverage, which standard home policies usually exclude.