Home Insurance in Shelby Township, MI

Enjoy peace of mind with affordable home insurance rates in Shelby.
Compare, shop and customize quotes from top-rated insurance carriers.

Stay Protected With Home Insurance in Shelby Township, MI

Whether you're one of the already 79,544 residents living in Shelby or looking forward to starting a new life in the township, you get to enjoy the benefits of a quaint, picturesque town while only being a 45-minute drive from the vibrant and bustling city of Detroit. 

Providing the best of both worlds, Shelby has a thriving suburban atmosphere, including a golf club, hundreds of restaurants and two hotels. The town hosts The Lakeside Boulevard and Hall Road Business District for all your shopping needs. The Shelby Parkway Corporate Park is home to established manufacturing and industrial firms. In 2019, the city saw 161 new businesses open.

For families looking to spend time in nature, Shelby has a 4,000-acre park and a 500-acre lake. While you enjoy biking, hiking and catching a glimpse of more than 100 native species of animals and birds along the Macomb Orchard Trail, finding competitive rates on your home insurance will help you relax and take in all the beauty the city has to offer.

Compare Needs for Home Insurance in Shelby Township, MI

With temperatures ranging from 19°F to 83°F throughout the year, Shelby citizens get to enjoy all four seasons. Though the town was part of unprecedented flooding in 2020, Macomb County overall sits at the U.S. average rate of experiencing 15 natural disasters. While the area has its share of flooding and tornadoes, comparing insurance coverage with VIU by HUB can help you determine what types of water, fire or property damage insurance will cover.

Competitive Rates for Home Insurance in Shelby Township, MI

With Shelby still being a seller's market, potential new homeowners need to act fast to get their dream home. To help minimize the costs of homeownership, finding a competitive rate is important. On average, home insurance in the U.S. is $2,417.10. Although it is often less expensive in Shelby Township, you still could be overpaying for insurance. Comparing quotes with multiple carriers helps ensure you get the best protection at the most affordable price.

Home Insurance Options in Shelby Township

Every homeowner has unique needs, which makes understanding your policy for home insurance in Shelby Township, MI, important. In general, a basic policy covers;

  • The home's structure, including attached structures
  • Detached structures, such as a shed
  • Personal belongings with some limitations
  • Personal liability for injuries sustained on the property
  • Coverage for loss of use

Regarding personal belongings, some items, such as jewelry or an art collection, may have a specific limit. Depending on your needs, there are different riders to explore to ensure maximum protection.

Risks Home Insurance Can Cover

From new homes to classic styles with new renovations, Shelby Township has a housing market for everyone. Although it's a perfect location for people who love every season, those seasons come with their fair share of unexpected events that make comparing quotes even more important.

  • Approximately 45.5% of all claims in 2020 were due to wind and hail, while lightning and fire damage accounted for 23.8% of claims.
  • With flooding on the rise, approximately 27% of homeowners have acquired flood insurance.
  • While Shelby Township has a relatively low number of violent crimes, property crime is 17.47 per 1,000 residents.

The risk factors of your home's location play a key role in determining insurance rates, as well as informing recommended additional coverage, such as flood insurance. By using VIU by HUB, you can simplify the search for the right coverage.

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


U.S. Census Bureau

Shelby Township

City Data


Insurance Institute Information

Neighborhood Scout

Home insurance in Michigan by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.