Home Home insurance Average home insurance cost Michigan Ann Arbor, MI Average homeowners insurance cost in Ann Arbor, MI The average annual cost for homeowners insurance in Ann Arbor is $2,009 for $300,000 in dwelling coverage, $100,000 in liability protection and a $1,000 deductible. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 10, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Ann Arbor, homeowners pay an average annual rate of $2,009 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $573 less than the national average of $2,582. Homeowners insurance premiums can vary significantly from one property to another. In Ann Arbor, the cost of home insurance is influenced by several factors, including: Size of your home Age of your home Amount of coverage required Location Your credit score It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs. Read this guide to discover the monthly homeowners insurance cost in Ann Arbor, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Ann Arbor. Key Takeaways Homeowners insurance costs $2,009 per year in Ann Arbor. At $490 per year, Auto-Owners offers the cheapest homeowners insurance in Ann Arbor. Your home insurance rates increase by $488 more annually if you increase your dwelling coverage from $200,000 to $300,000. Average homeowners insurance cost in Ann Arbor per month Residents of Ann Arbor pay an average of $167 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $33 less than the state average of $200 and $48 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Ann Arbor may change based on location, property value, and selected coverage options. Average homeowners insurance cost for a $200,000 house in Ann Arbor In Ann Arbor, MI, homeowners pay an average of $1,521 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area. Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. Average homeowners insurance cost for a $300,000 house in Ann Arbor As per rate analysis by Insure.com, homeowners residing in Ann Arbor typically pay an average of $2,009 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible. Your home insurance rates will be increased by $488 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. Average homeowners insurance cost in Ann Arbor by company Among the carriers analyzed, Auto-Owners is the most affordable homeowners insurance company in Ann Arbor. It’s average annual rate for homeowners in Ann Arbor is $490, while Automobile Club MI (AAA) ranks second. Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Ann Arbor and compiled a list of the most affordable home insurance companies. Below are details of Ann Arbor home insurance companies and their average annual premiums. Home Insurance Company Annual rate Auto-Owners$490Automobile Club MI (AAA)$1,382Frankenmuth Insurance$1,427State Farm$1,647Farmers$2,063The Hanover$3,260Michigan Farm Bureau$4,297USAA*$2,044 How home insurance protects you against natural disasters Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy. Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters. Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Ann Arbor for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?DetroitGrand RapidsSterling HeightsWarrenShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Nupur Gambhir State Farm home and auto bundle insurance in 2025 By Jessica Olson On this page Average homeowners insurance cost in Ann Arbor per monthAverage homeowners insurance cost for a $200,000 house in Ann ArborAverage homeowners insurance cost for a $300,000 house in Ann ArborAverage homeowners insurance cost in Ann Arbor by companyHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates (844)-761-9316