See who’s actually cheapest in your ZIP:
| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Wolverine Mutual | +9.9% | 6K | 10/1/25 | WOMI-134600286 → |
| Hastings Mutual | +12.5% | 15K | 10/1/25 | HAST-134555178 → |
| Safeco | +2.0% | 11K | — | LBPM-134801326 → |
| The Hartford | +16.1% | 11K | 2/5/26 | HART-134695175 → |
| Amica | +0.0% | 5K | 4/1/26 | AMMA-134682091 → |
| Donegal Insurance | +0.0% | 5 | 8/1/26 | DNGL-134925915 → |
If your Wolverine Mutual renewal in Michigan came in higher, this is the source: Wolverine Mutual filed for a rate increase (SERFF WOMI-134600286) and it was approved at +9.9% on about 6,430 policyholders, effective October 1, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
Wolverine Mutual asked for more than it got.
The filing shows an indicated need of +13.1% — the increase Wolverine Mutual’s own actuarial analysis said it required — against the +9.9% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.
See every approved Michigan homeowners rate filing →
Ready to stop overpaying? Compare every carrier for your ZIP: