Who Has The Cheapest Homeowners Insurance In Michigan? 
Do you buy running shoes for a marathon form Wal-Mart ???? Do you buy a 4 cylinder truck to pull a trailer that really demands a V8 ? My point is , `` WHO CARES who has the cheapest '' . Yes , there is a way to assess apples to apples when buying home insurance . Red vs. green apples . There are always some differences in policies . However , in my state , there is a vast difference in plans offered . You are buying something to guard your finances in the event of the loss of your home , valuables , or retirement -LRB- that 's called Liability Coverage folks -RRB- . BUY THE MOST you can reasonably afford . I did a quote once and for curiosity I raised our `` in house standard amount of liability '' form 300K to 500K -LRB- the next step up for that carrier -RRB- ... What did I see ???? A ONE DOLLAR difference ... Yes ... ONE dollar . $ 200,000 more in coverage for a buck . That does n't happen for everyone and every carrier . Yet it 's almost always less than $ 10 a month . WOW ... 200K more for $ 10 a month ... . You 'll pay the price if you buy on price . - gravy 