Published by RGC Insurance
What you control
- The roof. Michigan's #1 premium lever. Age and material drive price, eligibility, and whether older roofs get settled at actual cash value. A new roof is the rare expense that pays back in premium.
- Deductible. Moving from token deductibles to $1,000–$2,500 meaningfully cuts premium — and quietly filters out the small claims that raise rates later.
- Claims discipline. Frequency hurts more than severity. Save the policy for real losses; pay the $600 problem yourself.
- The bundle. Auto + home multi-policy credits are the largest voluntary discount in personal lines.
- Protective gear. Alarms, water-leak sensors, generators, updated wiring/plumbing/furnace — each earns credits with somebody, and we know which somebody.
What you mostly don't
- Location. Distance to a fire station and hydrant, town class, and coastal wind exposure are baked into the address.
- Construction & age. Older homes carry older systems; carriers price the plumbing they can't see.
- Rebuild inflation. Materials and labor set the insured value — the number itself is most of the bill.
- Insurance score. Where permitted, credit-based scoring moves Michigan premiums substantially — another reason the same house prices differently across carriers.
The honest answer to "what will mine cost?" is a quote, not a table — because the same house varies by hundreds of dollars between carriers we represent. That spread is the reason independent agencies exist. Four minutes gets your real number.