Michigan HO8 Insurance

Michigan HO-8 Insurance policy is designed for older homes in Michigan. The Michigan HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Michigan are Mercury, State Farm Bureau and AAA and they operate in cities such as Detroit, Lansing, Kalamazoo or Grand Rapids.


GET HOME INSURANCE RATES IN YOUR AREA
ZIP Code


What Will HO8 Insurance Cover in Michigan?

A standard home insurance policy in Michigan whether you live in Detroit, Grand Rapids or Lansing will cover most damages to your MI home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Michigan HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Michigan. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Michigan?

The policy will cover any home in the state Michigan such as:
  • Detroit, MI
  • Grand Rapids, MI
  • Lansing, MI
  • Flint, MI
  • Kalamazoo, MI
  • Saginaw, MI
  • Ann Arbor, MI
  • Midland, MI
  • Warren, MI
  • Farmington, MI
  • Brownstown Township, MI
  • Troy, MI
  • Kentwood, MI
  • Dearborn, MI
  • Muskegon, MI
  • Brownstown, MI
  • Farmington Hills, MI
  • Sterling Heights, MI
  • Southfield, MI
  • Sault Sainte Marie, MI