Policyholders

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Yes. You must contact a licensed agent to submit an application through Michigan Basic Property Insurance Association.

Please contact your Agent for coverage questions.

All interested parties must sign the check before it can be cashed.

The refund will be issued within 10 days of the cancellation date.

No, each property location must have its own policy.

Check payments are only accepted via mail or at our payment drop box during normal business hours at 27555 Farmington Road, Suite 315, Farmington Hills, MI 48334.  Please see additional payment options at the top of this page.

Your premium due notice includes the current amount and due date and a future installment schedule.

An application should be submitted. Once the policy becomes effective, an inspection will be ordered to determine if the risk will be accepted. 

An interior and exterior inspection is required on vacant properties and commercial properties. On other properties, if an exterior inspection reveals unfavorable conditions, Michigan Basic may order an interior inspection.

If a “Do Not Renew” is placed on the policy, the policy will not renew unless:

• The insured responds to the “Do Not Renew” 45 days prior to the expiration date.
• The insured contacts Michigan Basic to advise that the conditions listed on the “Do Not Renew” have been corrected.
• The insured provides documentation that the repairs have been completed. Michigan Basic will review the documentation and make a decision on whether to remove the “Do Not Renew”. Please note that Michigan Basic may order an inspection to verify that the corrected conditions meet our qualifications.
• If the policy expires and the insured has corrected the conditions and still desires insurance through Michigan Basic, a new application will be required. Please note that expired policies cannot be reinstated.

No. The renewal offer serves as the Declaration Page.

Yes. When the requested effective date is prior to the current date, a request can be processed to backdate an endorsement or cancellation.  Documentation is required to support the request. All backdated requests are approved or declined by a Michigan Basic representative. Please contact your agent for all cancellation and endorsement requests.

Supporting documentation, such as a death certificate, probate papers, marriage certificate, quit claim deed, current state identification, etc., is required to remove, add, or change an insured’s name.  Please contact your agent for all name change requests.

Generally, a policy cannot be reinstated when it is canceled for Underwriting reasons. After conditions listed on the cancellation letter have been corrected, a new application is required.