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Protecting Your Michigan Home: Comprehensive Homeowners Insurance Solutions From The Allen Thomas Group Insurance Agency

Home insurance in Michigan safeguards your biggest investment from unforeseen risks.
At The Allen Thomas Group, we understand the unique challenges Michigan homeowners face when it comes to protecting their homes.
With over 20 years of experience serving communities across the state, our team of licensed Michigan independent insurance agents are dedicated to providing personalized insurance solutions tailored to your specific needs.
Don’t settle for one-size-fits-all coverage – get a free home insurance quote now and discover how we can help you find the right protection for your home and peace of mind.



Table of Contents
Understanding Home Insurance in Michigan
Michigan homeowners have several policy options to choose from, each offering different levels of protection:
- HO-2 Broad Form: Covers damage from specific named perils
- HO-3 All Risk: The most common policy, covering all risks except those specifically excluded
- HO-4 Renters Insurance: Protects renters’ personal property and provides liability coverage
- HO-6 Condo Insurance: Covers the condo owner’s personal property and the portion of the dwelling they own
Standard home insurance policies in Michigan include several key coverages:
- Dwelling (Coverage A): Protects the main structure of your home
- Appurtenant Structures (Coverage B): Covers detached structures like garages and sheds
- Personal Property/Contents (Coverage C): Safeguards your belongings inside the home
- Additional Living Expenses (Coverage D): Pays for temporary housing if your home becomes uninhabitable due to a covered loss
- Personal Liability (Coverage E): Provides financial protection if you’re held responsible for injuries or property damage to others
- Medical Payments (Coverage F): Covers medical expenses for guests injured on your property
The Allen Thomas Group Difference
What sets The Allen Thomas Group apart?
We are an independent agency with deep roots in Michigan.
Our team of licensed agents understands the communities we serve, giving us firsthand knowledge of the unique risks Michigan homeowners face.
We leverage this expertise to craft personalized policies that address your specific needs, rather than relying on generic, one-size-fits-all coverage.
Through partnerships with top-rated insurers, we offer a wide range of coverage options at competitive rates.
Our commitment to exceptional service means you can count on us to be there for you, from finding the right policy to guiding you through the claims process.
Customizing Your Michigan Home Insurance Policy
No two homes or families are alike, which is why we tailor your policy to your unique situation.
One key decision is whether to insure your home and belongings for replacement cost or actual cash value.
Replacement cost provides funds to repair or rebuild your home with materials of similar kind and quality, while actual cash value factors in depreciation. We’ll help you understand the pros and cons of each option.
Michigan homeowners should also consider additional coverages based on their location and lifestyle:
Flood Insurance
Standard policies don’t cover flood damage, but many areas of Michigan are at risk. We can help you obtain coverage through the National Flood Insurance Program or private insurers.
Water Backup & Sump Pump Overflow
Protect your home from water damage caused by backed-up sewers or failed sump pumps.
Identity Theft Protection
Safeguard your finances with coverage for expenses related to identity theft recovery.
Ordinance & Law Coverage
Pays to bring your home up to current building codes after a covered loss.
Our agents will work with you to find the right balance of coverage and cost, ensuring you have the protection you need at a price you can afford.
Insurance Discounts to Lower Your Home Insurance Premiums
At The Allen Thomas Group, we believe comprehensive coverage shouldn’t break the bank.
That’s why we help Michigan homeowners take advantage of available discounts, such as:
- Multi-Policy Bundling: Save by bundling home and auto insurance with the same carrier.
- Home Security Systems: Earn discounts for installing burglar alarms, smoke detectors, and other safety devices.
- New Home & Roof Discounts: Enjoy lower rates if your home or roof is new or recently renovated.
- Claims-Free Discount: Be rewarded for maintaining a clean claims history.
- Non-Smoker Discount: Qualify for reduced premiums if no one in your household smokes.
The Claims Process: What to Expect
Even with the best prevention, accidents and disasters can still strike.
If you need to file a claim, we’ll be there to guide you every step of the way.
Documenting your belongings with photos, receipts, and a home inventory can streamline the claims process.
If a loss occurs, your first step is to notify your insurer and file a claim.
An adjuster will assess the damage and estimate repair costs.
Depending on your policy, you may receive a settlement based on actual cash value, replacement cost, or repair cost.
Throughout the process, our home insurance agents will be your advocates, ensuring your claim is handled fairly and efficiently so you can get back to normal as quickly as possible.

When shopping for home insurance, price is just one factor to consider.
Policy premiums are based on a variety of factors, including:
- Your home’s age, construction type, and location
- The coverage limits and deductibles you choose
- Your claims history and credit score
While it’s important to get quotes from multiple insurers, the cheapest policy isn’t always the best.
Look for a company with strong financial ratings, responsive customer service, and a track record of fair claims handling.
Switching insurers is easier than you might think.
We’ll guide you through the process and even handle the paperwork, making your transition seamless.
Insurance Solutions Customized For Michigan Homeowners Like You
Your home is one of a kind, so you need a Homeowners policy that is just as specialized.
Let us help build it for you.

Tell us about your specific needs and we will find the right policy for you.

Review the results of our search.

We will walk you through your new policy step by step.
We’ve helped thousands of Homeowners For Over 20 Years
Our Carrier Partners
That allows us to find you the best rates and custom coverage for your home









Personalized Michigan Home Insurance Is Waiting For You: Get A Quote Now
Ready to experience The Allen Thomas Group difference?
Click on the button below to start a fast, free online quote in minutes to meet your insurance needs. If you prefer a personal touch, our knowledgeable, licensed agents are just a phone call away at (440) 826-3676.
Don’t leave your most valuable asset unprotected.
Let us help you find the right coverage to safeguard your Michigan home, giving you the peace of mind you deserve.
Contact us today to get started.
Get More Insights On Making The Best Insurance Decisions For Your Property, Your Family, and Your Future.
Is home insurance required in Michigan?
While Michigan law doesn’t mandate home insurance, mortgage lenders typically require it to protect their investment. Even if you own your home outright, insurance is crucial to protect your financial well-being.
What perils are covered by home insurance?
Standard policies usually cover fire, thunderstorms, windstorms, hail, lightning, theft, and vandalism.
Floods and earthquakes require separate policies.
Review your policy carefully to understand what’s covered and what’s excluded.
How much home insurance do I need?
Insure your home for its full replacement cost – the amount it would take to rebuild from the ground up. For personal property, choose limits that would cover the cost of replacing all your belongings. Liability limits should be high enough to protect your assets in case of a lawsuit.
Are Michigan homes at risk for flooding?
Many areas of Michigan are prone to flooding due to the state’s proximity to the Great Lakes and numerous rivers. Even homes outside designated flood zones can experience flooding from heavy rains or snowmelt. Consider adding flood insurance to your protection package.
What is the average cost of homeowners insurance in Michigan?
Home insurance rates vary widely based on location, home value, coverage limits, and other factors. According to recent data, Michigan homeowners pay an average of $1,120 per year for $250,000 in dwelling coverage. However, rates can range from a few hundred to several thousand dollars. The best way to find your price is to get a personalized quote for our agents at The Allen Thomas Group.
Michigan Cities We Provide Homeowners Insurance Coverage
Ada
Adrian
Algoma
Allendale
Allen Park
Alpena
Alpine
Antwerp
Auburn Hills
Bangor
Bay City
Bedford
Bedford
Beecher
Benton
Benton Harbor
Berkley
Berlin
Beverly Hills
Big Rapids
Birmingham
Blackman
Brandon
Brownstown
Burton
Byron
Cadillac
Cannon
Cascade
Clawson
Coldwater
Comstock
Comstock Park
Cooper
Cutlerville
Delhi
Delta
East Bay
Eastpointe
Ecorse
Egelston
Emmett
Escanaba
Farmington
Fenton
Ferndale
Flat Rock
Forest Hills
Fort Gratiot
Fraser
Frenchtown
Gaines
Garden City
Garfield
Genesee
Genoa
Grand Haven
Grandville
Green Oak
Grosse Ile
Grosse Pointe Park
Grosse Pointe Woods
Hamburg
Hamtramck
Harper Woods
Harrison
Hartland
Haslett
Hazel Park
Highland
Highland Park
Holland
Holt
Howell
Huron
Independence
Inkster
Ionia
Jackson
Jenison
Lenox
Leoni
Lincoln
Lincoln Park
Lyon
Madison Heights
Marion
Marquette
Marysville
Melvindale
Monitor
Monroe
Mount Clemens
Mount Pleasant
Mundy
Muskegon
Muskegon Heights
New Baltimore
Niles
Northview
Norton Shores
Oakland
Oak Park
Oceola
Okemos
Orion
Oshtemo
Owosso
Park
Pittsfield
Plainfield
Port Huron
Riverview
Rochester
Romulus
Sault Ste. Marie
Scio
Southgate
South Lyon
Springfield
Sturgis
Summit
Superior
Texas
Thomas
Tittabawassee
Traverse City
Trenton
Tyrone
Union
Van Buren
Vienna
Walker
Washington
Waverly
Wayne
West Bloomfield
White Lake
Wixom
Woodhaven
Wyandotte
Ypsilanti