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Home Insurance

Trusted coverage from Capitol Insurance Group in Lansing, Michigan.

Home Insurance

Overview

Your home is likely your largest investment, and protecting it requires more than a basic policy. Capitol Insurance Group helps Lansing-area homeowners build coverage that accounts for Michigan's unique weather risks, from ice dams and windstorms to basement flooding.

We compare homeowners policies from 8+ carriers to find the right balance of coverage and cost. Every policy we recommend includes a thorough review of your dwelling value, personal property, liability limits, and optional endorsements.

Why Choose an Independent Agent

A captive agent can only quote their own company's policy. We can compare across multiple carriers to find better rates, broader coverage, or endorsements that aren't available everywhere. If one carrier raises your rate, we re-shop the market — you don't have to start from scratch.

Common Coverage Options

Dwelling Coverage
Other Structures
Personal Property (Replacement Cost)
Loss of Use / Additional Living Expense
Personal Liability
Medical Payments
Sewer & Drain Backup
Water Backup Endorsement

Frequently Asked Questions

Standard homeowners policies do not cover flood damage. However, we can help you obtain a separate flood policy through the NFIP or private carriers if you're in a flood-prone area.
Sewer backup coverage protects you if water backs up through your sewer or drain lines into your home. It's not included in standard policies but is highly recommended for Michigan homes — we add it to most policies we write.
Dwelling coverage should reflect the cost to rebuild your home, not its market value. We use replacement cost estimators and local construction data to make sure your limit is accurate.
Common discounts include bundling with auto, having a newer roof, security systems, smoke detectors, claim-free history, and paying in full. We check every available discount with each carrier.

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