Home Insurance in Lansing

Compare quotes and coverage options to find home insurance in Lansing, Michigan.
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Get the Right Coverage for Your Home in Lansing

Michigan's capital city might not be its biggest, but it is certainly one of the liveliest. With a vibrant local farmer's market and citywide events like October's Apple Butter Festival, there's a lot for the city's 112,500 residents to do. For the 51.8% of local households that own their homes, that means there is never a dull moment in the community, and the right home insurance in Lansing can give you the peace of mind you need to really relax and enjoy everything the city has to offer.

Finding Your Lansing Home Insurance

Michigan is not a state that is known for extreme weather events, but the central part that includes Lansing and Flint does experience higher than average tornado formation. There were 1,855 high wind thunderstorm incidents recorded over the 60-year period from 1950 to 2010, as well as 655 reported incidents of hail large enough to cause damage. Lansing's tornado index value is 221.5, which is about one and a half times the state's overall risk. The statewide average risk is about average for the country.

Lansing has a high property crime rate, which makes the right coverage for vandalism and theft essential for local homeowners. The city had 26 property crime incidents per 1,000 residents in 2022. The safest neighborhoods are Waverly North, Delta Mills and the Airport area, which makes them attractive for homeowners looking to control the cost of coverage. Comparing quotes with VIU by HUB to find the best offer available on home insurance is also an effective way to control the cost of coverage.

Premium Costs for Home Insurance in Lansing

Michigan's home insurance costs are a little above the national average. In 2023, there was about a 7% difference, with Michigan's average home insurance policy quoted at $1,527 and the national average at $1,428 for $250,000 in coverage. That makes it a little more expensive than its neighboring states Indiana and Ohio, which averaged $1,225 and $1,140 per year during the same period.

Michigan's home insurance costs trend upward in its most populated and affluent areas, and that leaves Lansing residents averaging insurance costs that are between $1,500 and $2,000 most often, according to Bankrate's data visualization. The same data found USAA was the insurance company with the lowest average quote in the state at $886, which is good to know when comparing quotes to find the best prices.

Find the Home Insurance Coverage You Need

When you shop and compare home insurance quotes with VIU by HUB, it is important to remember that you have coverage areas that might have separate and lower limits than your overall policy limit. You can fine-tune the amount of coverage you have overall or in just one area to fit your needs, and that might change your best quote. Basic home insurance in Michigan covers both what happens to your property and what happens on it:

  • Property liability coverage for accidents resulting in injury, like a guest having a slip and fall
  • Property damage coverage for specific types of extreme weather, fire and criminal activity
  • Coverage for the value of the items on the property and contents of the house
  • Temporary dwelling coverage in case an incident makes your home unlivable

Many state residents also add additional coverage for devices, jewelry and high-value belongings. Comparing rates from all the state's top insurance providers can provide you with insight into the best deal on home insurance in Lansing that suits your house and your neighborhood.

This information is intended for general informational purposes only and is not intended to constitute legal advice.






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