Homeowners Insurance Quotes for Lansing, MI

Bundle Your Michigan Homeowners Insurance with Other Policies

Bundle Your Michigan Homeowners Insurance To Save

For the best homeowners insurance coverage at an affordable rate, look to Compass Insurance Agency in Lansing, MI. Our team knows the ins and outs of homeowners insurance and has a network of 20+ companies to choose from.

Bundling your home, auto, and business insurance with us could save over 50% in discounts. You won’t have to sacrifice excellent customer service for a better rate with us. Let us take the hassle out of insurance and protect what matters most to you and your family.

Why Compass Insurance Agency Is the Right Choice for Lansing Homeowners

  • We work for you, not the insurance company. This means you always get the best customer service and care.
  • Compass Insurance has been in business since 1969 and has a solid reputation of trust in the Lansing, MI community.
  • Managing your insurance policies with one company saves you money and time.
  • We compare 20 homeowner insurance companies to find the best rate, saving you even more money.
  • Our agency is deeply involved within our local Michigan communities, giving back to those who have given us so much.

Homeowners Insurance Is Personal

When it comes to homeowners insurance, it’s more than just protecting your house. It’s about protecting the people you love and care for too. That’s why we take a personal approach with our homeowner clients. We want to treat you like family because this is all about. We’ll work with you to customize an insurance policy that fits your unique situation, and we promise to always be there for you when you need us. Whether it’s a quick phone call or a full-blown claims process, we’ve got your back. Our team is dedicated to staying current on all the latest rules and regulations, so you can rest easy knowing you’re in the best hands possible.

Homeowners Insurance Is Personal To Us
Our Commitment to Homeowners

Our Commitment to Homeowners

As a homeowner, your property is more than just a place to live – it’s where memories are made, and dreams are achieved. At Compass Insurance Lansing, we understand the importance of preserving that value and are committed to protecting it. We pride ourselves on providing a personalized level of service that ensures you’re not just another insurance policy number but an individual with unique needs and concerns. You can trust that when you call us, you’ll talk to a familiar voice who knows your situation, and we’ll work tirelessly to keep your home and property safe for years to come.

You Come First, NOT the Insurance Companies

You are our client – not the insurance company. We know your home is a large financial asset and your safe haven. Insurance is there to protect you financially and ensure that your home remains your haven.

We take the time to find the right homeowners insurance policy for you and take that task seriously. Personalized service means we take the time to get to know you and your home and ensure we find the right coverage for you.

happy homeowners in lansing outside their house


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Different Types of Homeowners Insurance Coverage

Our team can guide you through the homeowners insurance and claim process, and help you choose the proper coverage for your situation. Whether you’re looking for essential protection or need additional coverage for specific items, we’ve got you covered.

Homeowners Coverage

Dwelling Coverage

This covers the main structure of your home.

Personal Property Coverage

Personal Property Coverage

We protect the personal property within your home against standard or open risk.

Guest Medical Coverage

Liability Coverage

Liability coverage safeguards you when a person is injured on your property and then tries to sue you.

Personal Injury Protection

Guest Medical Coverage

Coverage that allows you to take care of the medical expenses if someone is injured on your property.

Additional Coverage Options for Homeowners

That’s why we offer additional coverage options for homeowners to ensure your home is fully insured and protected. Our optional coverages include liability protection and personal property protection.

  • Coverage for your valuable possessions.
  • Coverage for business-related items stored in your home.
  • Coverage for high-ticket sports gear you keep at home.
  • Coverage for instruments held in your home.
  • Restoration services if your identity is stolen.
  • Expenses associated with recovering lost personal data.
  • Repairs to water damage.

Get 20 Homeowners Insurance Quotes At Once

Fill out this short online form, which takes less than one minute. That’s it! We take it from there.

Lansing Homeowner Insurance Requirements

If you’re a homeowner in Lansing, MI, you may be wondering about the insurance requirements for your home. While Michigan doesn’t mandate that you carry home or personal property insurance, your lender probably will. That’s right. If you’re financing your place, your loan provider will likely require you to purchase building coverage. And if you fail to provide proof of coverage, your lender will swoop in and buy a policy for you using your escrow funds. Need to be more ideal, suitable? But even if you own your home outright, getting homeowners insurance is still intelligent. After all, if your home and belongings suffer some damage, the cost of replacing everything could put you into a financial tailspin.

FAQs About Homeowners Insurance in Lansing

What affects my homeowner's insurance rates?

Your home can influence your homeowner’s insurance rate. As homes age, they become more susceptible to damage from external and internal conditions. If you upgrade your roof or materials, it’s more expensive for your insurance carrier to replace them.Owning a pool or trampoline, wood-burning stoves, or even a particular dog breed can also increase your premium. Conversely, installing a home security system can lower your premium. So it’s worth checking with your provider to see what factors affect your rate.Previous claims can cause a spike in your homeowner’s insurance rates. Insurance companies view customers who have made claims as higher-risk individuals, charging them higher premiums. This is because there is a higher likelihood that they will make another claim in the future.

Which home insurance terms should I learn?

Regarding homeowner insurance, you’ll likely encounter a few new terms that your agent will explain. Two of the most important things to understand are premium and deductible.
  • Premium – The rate you pay to your insurance company to provide coverage and pay claims.
  • Deductible – The amount of money you’re responsible for paying before your insurance kicks in. Generally, if you choose a higher deductible, you’ll pay less in premium costs, and vice versa. Of course, your premium will depend on various factors, such as your location, property value, and claims history.
  • Guest medical coverage – An essential aspect of homeowner’s insurance that often gets overlooked. This coverage is designed to protect you and your guests in case of any unexpected accidents that may occur while on your property.
  • Liability coverage – Protects you in case someone gets injured or their property gets damaged while on your property. It can also cover any medical or legal expenses you may incur if there’s a lawsuit.
  • Property coverage – This is all about protecting your property or land against damage or loss.
  • Limit – Known as the maximum amount, is something you’ll want to keep in mind when choosing your policy.

How do I compare homeowner insurance quotes?

It’s important to compare apples to apples. You’ll need to compare the same set of coverages, deductibles, and limits across every insurance company. If you go with a lower rate, that’ll likely mean a lower deductible.Ultimately, the choice is yours to make. So, make sure you also consider any additional coverage you may need. For example, if you have precious jewelry at home, you might want to consider purchasing scheduled personal property insurance to protect your valuable possessions.

Interesting Statistics About Michigan Homeowners

  • Lansing is one of the safest cities in Michigan.
  • Lansing’s average home insurance rate is $991, which is lower than the national average.
  • There were 6,000+ homes in Lansing, MI, last year.
  • 48% of Michigan residents are concerned about property crimes, according to Safewise.com.