Michigan Homeowners Insurance
In Michigan, the Essential Insurance Act is in place
to give all Michigan citizens the opportunity to attain
homeowners insurance. This act prevents an insurance company
from denying coverage based on: the age of a house, location,
ore type of neighborhood you live in.
If you are ineligible for coverage, you can still get
coverage from the Michigan Basic Property Insurance Association.
It is recommended that you find out what situations make
you ineligible for coverage, and here are a few of those
- You can be denied coverage if you have been found
guilty of committing or trying to commit arson, using
illegal explosives, or destroying property.
- You can be denied if you have been denied payment
of a claim, due to evidence of arson or fraud on your
part in the past five years.
- You can be denied coverage if the property you are
trying to insure is used for dangerous or illegal purposes.
- You can be denied coverage if you refuse to buy the
minimum required coverage, for the type of house you
- You can be denied coverage if your home insurance
has been canceled because of non-payment of premium
in the past two years.
- You can be denied coverage if the value of your property
does not meet the minimum requirements of $7,500 for
repair cost coverage, and $15,000 for replacement cost
- You can be denied coverage if the taxes on your property
is over two years past due.
- You can be denied coverage if the insurance you are
trying to buy, requires that you are a member of a specific
group or organization, and you do not join the organization.
If you are denied homeowners insurance coverage by an
insurance company in Michigan, an explanation must be
given in writing. Contact Michigan State Insurance Commissioner's
office for more information.
For more general information, visit our Homeowners
Insurance Information page.
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