East Lansing, Michigan Home Insurance

Home to Michigan State University, the vibrant city of East Lansing offers a unique combination of college-town excitement and Midwestern charm. Homeowners here enjoy a safe, clean, and friendly environment that is perfect for raising children. Along with its well-renowned educational opportunities, East Lansing offers plenty of activities and entertainment for families.

However, like many states, Michigan does experience its share of natural disasters like wildfires, tornadoes, windstorms, and floods. These events can cause significant damage to your home, leading to costly repairs. This highlights the crucial importance of having the right home insurance in place.

Oakland Insurance is proud to serve East Lansing and the entire Ingham County as an independent insurance agency. As an independent agent, we have the freedom to shop for you among multiple carriers to find the best possible coverage and rates.

We will take the time to get to know your lifestyle and needs so that we can recommend the right coverage that is tailored to you. And if there’s ever an issue or questions, we’re here to help with fast and friendly service.

Reach out to us today if you’re looking for auto insurance or home insurance in East Lansing. We will go the extra mile to make sure that your property is protected at all times.

While each policy varies, some basic coverages that are typically included in home insurance policies include:

• Dwelling coverage – This covers the costs of fixing or rebuilding your home if it’s damaged due to a disaster. Dwelling coverage may also include other structures on your property such as a detached garage or shed. A comprehensive policy will also include coverage for permanent fixtures like plumbing, wiring, and built-in appliances.
• Liability coverage – This covers legal expenses if you’re sued for property damage or injuries that occur on your property. It also typically includes medical payments for any injured individuals, regardless of fault.
• Personal belongings and contents coverage – This covers the cost of replacing your personal property if it’s stolen or damaged due to a covered event.
• Loss of use coverage – If you’re unable to live in your home due to an insured disaster, this will cover monthly expenses such as housing costs and additional living expenses.
• Additional coverages – Depending on your needs and the insurer, home insurance policies can include additional coverage for unique risks such as flooding or earthquakes.

Other forms of coverage may be available to East Lansing residents as well. Reach out to our team today and we’ll be happy to discuss the coverage options that are right for you.

Unfortunately, some risks will not be covered by standard home insurance policies. These include:

• Damage caused by pets or pests
• Certain floods and earthquakes (unless additional coverage is purchased)
• Ordinary wear and tear of your home due to age
• Intentional damage or damage that qualifies as insurance fraud.
• Damage caused by certain kinds of business activity

It is important that you read the details of your policy carefully to understand what is and isn’t covered. Our team can help you determine the best coverage options for your unique needs.

When you move into a homeowners association (HOA) in East Lansing, it is important to understand the differences between what is covered under your individual homeowner's insurance policy and what is covered by the HOA’s master policy.

The HOA’s master policy typically covers common areas such as sidewalks, streets, and recreational facilities. It will also cover the exterior of your home such as roofs, siding, and windows.



Your homeowner's insurance policy typically covers the interior of your home and your personal belongings. It will also provide liability coverage if someone is injured on your property.

If you own a condo in East Lansing, you will need a different type of policy than if you owned a single-family home. Condo insurance is tailored to cover the unique needs of condo owners and typically includes coverage for your personal belongings, liability protection, and more.

Another distinguishing feature of condo insurance is that it covers the structure of your unit, which is typically covered by the HOA’s master policy for single-family homes.

The average cost of homeowners insurance in East Lansing is $1,265 per year or $105 per month for a policy that provides up to $250,000 in dwelling coverage. However, your premium could be higher or lower depending on factors such as the size of your home, the age of your home, and the coverage limits you choose.

Larger, more expensive homes will typically cost more to insure, as will homes located in areas that are prone to natural disasters. Similarly, if you opt for higher coverage or additional coverage, your premiums will be higher.

You can lower your rate by bundling several policies with the same insurance company or taking advantage of discounts for safety features such as smoke alarms or security systems. Raising your deductible can also help to lower your rate.

At Oakland Insurance, we understand that every homeowner’s needs are unique. That’s why we strive to provide tailored home insurance policies that fit our customers’ individual needs—at the best possible price.



Our knowledgeable team will work with you to determine the coverage limits and unique features that are right for you, so you’re never paying for more coverage than you need. Contact us today to get a free quote and start protecting your home!