Smart Insurance for the Place You Call Home

Home Insurance Coverage for Michigan Families

Unexpected damage, disasters, and liability issues can put your home—and your finances—at serious risk. At Logan Insurance Group, we provide comprehensive home insurance solutions in Okemos, MI and throughout Michigan, helping protect your house, your possessions, and your peace of mind.

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What Your Michigan Home Insurance Policy Covers

Your home is both your most valuable asset and the center of your life. Our Michigan home insurance policies are designed to protect you from the most common risks—both big and small.

Dwelling Coverage

Protects the physical structure of your home against covered perils like fire, hail, wind, or lightning. This is the foundation of every home insurance policy in Michigan.

Personal Property Insurance

Covers your belongings—furniture, electronics, clothing, and more—even if they’re damaged, lost, or stolen away from home.

Personal Liability Protection

If someone gets hurt on your property or you accidentally damage someone else’s, this coverage helps protect your finances and assets.

Loss of Use / Additional Living Expenses

Covers temporary housing, meals, and other living expenses if your home becomes uninhabitable due to a covered event.

Medical Payments to Others

Provides fast, no-fault medical payments if a guest is injured on your property—an important feature in many affordable Michigan home insurance plans.

OPtional Coverages & Endorsements

Add specialized protection like water backup, service line coverage, scheduled jewelry, and identity theft recovery to better match your needs.

Why Homeowners Insurance Matters in Michigan

A devastating fire, frozen pipe, or unexpected storm can lead to more than just structural damage—it can threaten your financial future. Without the right protection, Michigan homeowners could be left covering the cost of rebuilding, repairs, or liability out-of-pocket.

At Logan Insurance Group, we take a personalized approach to insurance. We understand the local risks, the state’s coverage requirements, and what it takes to keep your family safe and secure—whether you're in Okemos or anywhere across Michigan.