Who Has The Cheapest Homeowners Insurance In Michigan? 
I agree with Drew with a few additions . Rates do vary and different people may get very different rates from the same company . In my experience , you 'll find that many companies are within 10-20 % of each other and it 's hard to choose based on the rate alone . My advice is to find the right agent first . If you choose based on who has the lowest rate , you 'll be changing a lot . When you find an agent that cares about covering you correctly instead of just selling the lowest rate , you 've found your agent . Spend more time finding the right agent and you 'll be happy . They may not always be the lowest , but they 'll save you big in the long run . We 're always bombarded with ads from insurance companies telling you they have the lowest rate . They 're selling you on the idea that insurance is a commodity , that everybody has the same thing , so look for the lowest price . Nothing could be further from the truth . Professional agents and advisors are out there and they care about their clients more than just the commission they earn . Find someone who loves their agent and go talk with them . I 've never had a client complain that their rates are too high after they 've had a claim and they were made whole again . I 've been out there at 2am when my client 's house just burned to the ground . I did n't do it because I earned a commission , I did it because these are my clients and I love what I do . So , make your life easier and find an agent who cares . 