Top 5 Mistakes Michiganders Make When Buying Auto & Home Insurance

When it comes to protecting your car and your home, Michigan has some unique insurance rules. Unfortunately, that means many people make the same costly mistakes when shopping for coverage. Here’s what to avoid and how to stay fully protected.

1. Only Shopping for the Lowest Price

It’s easy to grab the cheapest online quote. But in Michigan, the lowest price often means you’re losing key coverage. Things like uninsured motorist protection, higher deductibles, or reduced PIP limits can leave you paying far more after a claim.

2. Not Understanding No-Fault Reform

Michigan’s no-fault system changed everything. Many drivers still don’t realize how their PIP choices affect their medical coverage. If you don’t coordinate properly with your health insurance, you could face major out-of-pocket costs.

3. Guessing on Home Coverage Amounts

Your home’s market value is not the same as its replacement cost. Rebuilding after a loss requires enough coverage to match today’s construction and material prices — not what your home could sell for.

4. Skipping the Bundle

Bundling your home and auto insurance can simplify your protection and save hundreds per year. But more importantly, it ensures both policies work together so no gaps fall between them when you need it most.

5. Not Reviewing Policies Each Year

Michigan weather changes fast, and so does life. Whether you’ve remodeled, added drivers, or upgraded vehicles, reviewing your coverage yearly ensures your protection still fits your needs.

✅ The Bottom Line: Cheap coverage might look good online until it’s time to file a claim. At Corsi Agency, we make sure Michigan families have the right protection, the right price, and the peace of mind they deserve.