What Discounts are Available for Michigan Homeowners?

Homeowners insurance doesn’t have to break the bank — especially if you know where to look for discounts. In Michigan, insurers offer a variety of ways to lower your premium, rewarding everything from safety upgrades to customer loyalty.
1. Bundling Policies
One of the most common discounts comes from bundling your homeowners insurance with auto, life, or farm policies. Many carriers offer 10–25% off when you combine coverage, making it a smart move for families or small business owners.
2. Home Safety Features
Installing smoke detectors, burglar alarms, deadbolts, and fire extinguishers can earn you discounts. More advanced systems — like monitored security, automatic backup generators, sprinkler systems, or water backup/leak detection systems — may qualify for even deeper savings.
3. New or Renovated Homes
If your home was built recently or has undergone major upgrades (like a new roof, plumbing, or electrical system), you may be eligible for lower rates. Insurers see newer systems as less risky and more resilient.
4. Claims-Free History
If you haven’t filed a claim in several years, your insurer may reward you with a discount. This is especially helpful for long-time homeowners who’ve maintained their property well.
5. Loyalty and Longevity
Sticking with the same insurer for multiple years can pay off. Many companies offer loyalty discounts after three, five, or ten years of continuous coverage.
6. Affiliation and Membership Discounts
Michigan residents who are members of certain organizations — with Farm Bureau, alumni associations, or professional groups — may qualify for exclusive discounts. These partnerships vary by insurer, so it’s worth asking.
7. Paperless Billing and Auto-Pay
Opting for electronic documents and automatic payments can shave a few dollars off your premium. It’s a small change that adds up over time.