Directory · Michigan · Homeowners

Who writes homeowners in Michigan

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

State Farm Group wrote the most homeowners in Michigan in 2025, $832.7M and 17.6% of the state's premium; the top five groups hold 63%. Michigan doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

By Sam Alishahi, independent insurance broker · All lines in Michigan

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Michigan

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	State Farm Group	$832.7M	17.57%	63%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	Auto Owners Group	$811.6M	17.12%	58%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
3	Automobile Club Mi Group	$650.5M	13.72%	49%	Auto Club Insurance Association, The Members Ins Co, Auto Club Group Insurance Company, Universal Insurance Company
4	The Hanover Insurance Group	$353.6M	7.46%	52%	Hanover Insurance Company (The), Allmerica Financial Benefit Insurance Company, Massachusetts Bay Insurance Company, Citizens Insurance Company of America
5	Allstate Insurance Group	$334.2M	7.05%	57%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
6	Michigan Farm Bureau Group	$256.6M	5.41%	60%	Cincinnati Equitable Insurance Company, Farm Bureau Mutual Insurance Company of Michigan
7	American Family Insurance Group	$213.5M	4.50%	51%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
8	Liberty Mutual Group	$186.5M	3.93%	38%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	Farmers Insurance Group	$178.5M	3.77%	48%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
10	United Serv Automobile Assn Group	$149.4M	3.15%	59%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company

Turned down?

Last resort for homeowners in Michigan

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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