Where to Get the Best Homeowners Insurance in Detroit, MI

Written by  Bryan Ochalla

Edited by  Michael Kitchen

+ 1 More

Published Jun 27, 2025 Content was accurate at the time of publication.

The Hanover has the best homeowners insurance in Detroit, Mich., with the city’s cheapest rates ($1,218 a year), many discounts and few customer complaints.

Consider USAA, too, if you have military ties, and Chubb if customer service and satisfaction are especially important to you.

Cheapest home insurance companies in Detroit

With an average premium of just $1,218 a year, The Hanover Group is the best company for cheap home insurance in Detroit.

Hanover’s average premium is less than half that of the next-cheapest companies, USAA and AAA. USAA’s average premium is $3,024 a year, while AAA’s is $3,122. Only members of the military and their families can buy from USAA, however.

Both AAA and USAA offer quite a few discounts that could lower your premium, so compare home insurance quotes from all three companies if you can.

Home insurance quotes in Detroit by company

Company		Annual rate Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.	LendingTree score
	Hanover	$1,218
	USAA*	$3,024
	AAA	$3,122
	State Farm	$3,417
	Chubb	$3,632
	Frankenmuth	$5,745	Not rated
	Farmers	$15,104

Best home insurance companies in Detroit

Hanover is Detroit’s best homeowners insurance company. It has the city’s lowest rates as well as a number of discounts and optional coverages.

Chubb is a great company if you have a high-end home and you value customer service. Farmers has the best discounts of the companies we surveyed in Detroit.

Best home insurance company overall: Hanover

Detroit homeowners looking for the best insurance company should get a quote from Hanover. Not only does it have the city’s cheapest rates of around $1,218 a year, but it also offers many home insurance discounts that could make it even cheaper.

Hanover also lets you customize your policy with several add-on coverages for things like equipment breakdown, water backup and sump overflow and siding or roof restoration.

Pros

Cons

Best for customer satisfaction: Chubb

Make sure you compare quotes with Chubb if you want a home insurance company that offers great customer service and satisfaction.

Chubb has among the best scores from both J.D. Power and the National Association of Insurance Commissioners (NAIC) of the companies we surveyed in Detroit. This means customers are quite happy with how Chubb handles their home insurance.

Keep in mind that Chubb may not sell you a policy if your home is worth less than a certain amount. Talk with an agent to find out if you qualify.

Pros

Cons

Best home insurance discounts: Farmers

Farmers offers more home insurance discounts than any other company we looked at in Detroit. It’s a good thing, too, as Farmers’ average rate is by far the most expensive of them.

Still, Farmers could be a good option for you if you qualify for several of these discounts and other aspects of your life line up, as well. This is because insurance companies consider many factors when coming up with your quote, including the age of your home, the deductible A deductible is the amount of money you pay out of your own pocket after you file a claim and before your insurance company pays the rest. you choose and your insurance history.

You might get a discount from Farmers if you:

Pros

Cons

How much is home insurance in Detroit?

Detroit home insurance costs $5,038 a year, on average, for a home with $400,000 of dwelling coverage  Dwelling coverage pays to repair or rebuild the structure of your home if a fire, hail or other event damages or destroys it. .

You’ll likely pay more than this average premium if your home needs more dwelling coverage. If your home needs less dwelling coverage, your premium should be lower.

The average cost of homeowners insurance in Detroit is $5,673 a year for a home with a $450,000 dwelling coverage limit, for example. That’s nearly 13% more than the cost for a home with $400,000 in dwelling coverage.

Home insurance cost by dwelling coverage amount

How much your dwelling coverage limit impacts your home insurance rate depends on where you buy your policy, too.

There’s only a 19% difference between USAA’s average rate for policies with $350,000 and $450,000 in dwelling coverage, for example. With Frankenmuth, the difference is 43%.

Cost of dwelling coverage by home insurer

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Texas. The following coverages and deductible were used unless otherwise noted:

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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the NAIC and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.

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*USAA is only available to active-duty and veteran military members and their families.