Renters Insurance Michigan

Get your stuff covered in the Great Lakes State.

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michigan renters insurance

Looking for amazing renters insurance in Michigan? Lemonade makes it simple, easy, and fast.

No matter what part of the mitten you hail from, we can get you covered before you know it. Whether you’re a barista renting a loft in the Motor City, a yoga teacher living in Ypsi, or an economics professor sharing a house in East Lansing, you don’t want to neglect renters insurance coverage. Crummy and unexpected things happen all the time, and you don’t want to be caught unawares (and unprotected) if bad luck strikes.

Renters insurance Michigan

And no worries—getting covered in Michigan is a breeze. With Lemonade, you can get a quote and policy in just 90 seconds, starting at just $5/mo (the lowest rate on the market!). There’s zero paperwork, zero hassle. Best part? Every year, your leftover premium will be donated to a charity you choose.

What does Lemonade’s policy cover in Michigan?

Do we cover your prized bounty of vintage guitars? What about your bike? Or your engagement ring? What about things beyond the stuff you own?

Your policy basically entails several different categories. They are…

Personal Property

‘Personal property’ coverage protects your stuff, no matter where you are in the world. So if your bed is ruined due to that burst pipe, or your iPad is pilfered while you’re traveling abroad, your insurance has your back.

Loss of Use

If you have to vacate your home due to covered losses (like a fire or windstorm), your ‘loss of use’ coverage ponies up reimbursements for a temporary place to stay, and additional living expenses such as food, laundry, hotel parking, and more.

Liability protection

Let’s say you have a karaoke party at your Detroit home, and one of your guests throws their back out while belting an Iggy Pop song. Ouch! You could be liable. That hurts! So if someone is injured on your property, or anyone on your policy causes damage to someone else’s property or stuff, your insurer should have you covered.

Medical protection

If your unfortunate, punk-loving friend needs to go to the hospital because of that karaoke mishap, your medical payments will come in handy. Your insurer covers medical costs if your guests get injured at your place, or if you accidentally people hurt outside of your home as well. But here’s a big thing to keep in mind: Renters insurance does not cover medical costs if you or someone residing with you are injured—only non-residents and people visiting.

Different coverage for different lifestyles

For example, you might have $20,000 worth of personal belongings, so you’ll want to get $20k worth of personal property coverage (rather than the $10,000 minimum) to make sure you’re adequately covered. Your landlord also might require you to have a certain amount of renters insurance liability coverage. Don’t worry, changing your coverage options is a lot less of an ordeal than it sounds, with Lemonade’s Live Policy.

What does Lemonade renters insurance in Michigan protect me against?

Are you covered against theft? What about hail, lightning, or smoke?

Your policy covers you and your stuff for damages (or ‘perils’ in insurance speak), including theft, fire, vandalism, and water damage from things like a pipe bursting in your Travers City apartment.

Here’s a list of the perils that are covered under your base policy in Michigan:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riots
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Falling objects
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing, cracking, burning, or bulging
  • Freezing
  • Volcanic eruption
  • Sudden, acccidental damage from artificially generated electrical current

Getting a Lemonade renters insurance quote in Michigan

Truth is, signing up for a policy with many insurance companies can be a real hassle.

Not so with Lemonade. We’re biased, of course, but we’re also pretty darn proud of our insurance experience. Artificial intelligence lets us provide a digital sign-up process that’s quick and painless. Just head to the Lemonade app, answer a few questions, and AI Maya will crunch some numbers and give you a renters insurance quote instantly. No lame paperwork, no endless conversations on the phone with humans.

If you ever need to tweak your coverage because your landlord asked you to, or if you realized your stuff is worth way more than you thought, you can do it on the app instantly using Lemonade’s Live Policy feature.

And Lemonade’s claims experience is instant, too. If anything bad happens, simply chat with AI Jim, our claims handling bot, and quickly tell him what happened. 30% of our claims are approved in just 3 seconds.

Best part? All leftover premiums go to a charity you choose at the end of the year through our Giveback program.

How? Rather than making money by denying insurance claims, we take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. Then, we donate unclaimed remainders in our annual ‘Giveback‘.

This way, our Lemonaders enjoy amazing coverage, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims quickly and with no hassle.

Is renters insurance required in Michigan?

We can tell you’re a savvy consumer, the sort of person who knows what a bargain insurance is if something bad happens. That said, there isn’t any law that says you must have a policy. You do have to abide by your lease, though, and many landlords will ask you to get covered.

Most landlords and property managers require you to provide proof of your policy before you sign your lease. Sometimes, they’ll also ask for proof of insurance each time you renew your lease.

Why? Usually, landlords want to make sure you have enough personal liability coverage within your renters policy. They might also check to make sure you have enough personal property coverage for your stuff.

Your landlord might also ask you to list them as an interested party, so they’ll be notified if you cancel your policy. That way, they can make sure you don’t cancel your policy right after you provide proof that you have one.

What’s the right amount of coverage?

As we previously mentioned, your policy has a few main categories:

  • Contents (your stuff)
  • Loss of use
  • Personal liability / medical payments

The coverage amounts you choose for each category are up to you—tailor them according to what you need. You should choose your personal property coverage amount based on the value of the stuff you own, and how much it would cost to replace it.

What about setting your ‘loss of use’ coverage? Consider all of the expenses you could rack up beyond your normal daily budget (such as a place to stay, food, laundry, your commute, etc) if your home becomes unlivable for an extended period of time.

For a more in-depth look at this topic, check out this resource on how much renters insurance you need.

How can I lower my renters insurance rates in Michigan?

Everyone wants to save money. There are a few things you can do to lower your premium. Get a standard fire alarm, or a burglar alarm system, and your rates will go down a bit… and you’ll be safer at the same time.

You can also adjust your coverage options to lower your price. For example, the lower your personal property coverage or the higher your deductible, the lower your premium will be.

Just make sure you’re not compromising your renters coverage so much that you’re underinsured. Because in that case what’s the point of a renters policy? Here’s where you can learn more about the cost of renters insurance.

If you’re eager to learn even more about the nitty-gritty of our policies, take a look at this comprehensive FAQ!


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.