Michigan Home Insurance Guide — Pricing, Risks & Savings

Michigan overview: pricing drivers (construction costs, local ordinances, insurer capacity) and how location affects premiums between urban cores and coastal/inland areas.

Perils & underwriting: summarize common storms, wind, hail, wildfire, flood or earthquake exposure and how deductibles or exclusions appear in policies.

Inspections & roof age: how carriers weigh roof material/age, electrical and plumbing updates; what a standard inspection asks for and how to prepare documentation.

Limits & endorsements: dwelling replacement cost vs ACV, personal property scheduling, water backup, ordinance/law, and additional living expense baselines.

Deductibles: explain all‑peril, wind/hail percentage deductibles, named‑storm or hurricane deductibles (where applicable), and affordability planning.

Savings checklist: bundle with auto, monitored alarm, impact‑resistant roof, sealed roof decks, garage‑door bracing, water‑leak sensors, and claim‑free credits.

Claims playbook: mitigate further damage, photo/video documentation, contractor estimates, adjuster scheduling, and escalation paths if disputes arise.

Resources: link placeholders for Department of Insurance, FAIR/Beach/Wind Pools, emergency management, and flood resources (NFIP maps).

Next steps: compare multiple quotes with identical limits, ask about roof‑age treatment and peril deductibles, and review renewal changes annually.