Insurance Eligibility for Michigan Homeowners

insurance eligibilityMichigan Homeowner Insurance Eligibility

Insurance Eligibility under Michigan law says, an “eligible person” for homeowners insurance means a person who is the owner living in, or a tenant of, one of the following types of dwellings: a house, condominium unit, cooperative unit, room, apartment, or a multiple unit dwelling of not more than four residential units. Under Michigan Insurance eligibility law you cannot be denied insurance solely because of the age of your house, its location, or the type of neighborhood you live in. However, you may be considered “ineligible” and can be turned down for insurance if any of these conditions apply:


  • Within the past 5 years you have been found guilty of a crime of arson or of an attempt to commit a crime of arson, the use of explosives, or destroying property.
  • Within the past 5 years you have been denied payment by an insurer of a claim under a home insurance policy based on evidence of arson, fraud, or conspiracy to commit arson or fraud.
  • The property you want to insure is used for illegal or dangerous purposes.
  • Taxes on the property you want to insure are 2 or more years past due.
  • You refuse to buy the minimum amount of coverage required for the type of policy you want.
  • Your home has a physical condition which presents an extreme likelihood of a significant loss under a home insurance policy.
  • Within the past 2 years your home insurance has been canceled because of non-payment of premium. Upon the insurer’s discretion, this may be overlooked if you pay the entire premium in advance before renewal of the policy.
  • A company requires you to be a member of a group, club, or organization and you choose not to join or maintain membership.
  • If the value of the property you want to insure does not meet the minimum requirements for the type of policy you want to buy.

Who to contact if Michigan Insurance eligibility wrongfully applied.

What you can do if you have a Michigan Insurance Eligibility Concern:
If you thing you were wrongfully denied Michigan homeowners insurance, write the Department of Insurance and Financial Services:
Michigan Department of Insurance and Financial Services Consumer Services Division
P.O. Box 30220
Lansing, MI 48909
Phone: (517) 373-0220
Toll-Free: (877) 999-6442

Michigan Homeowners Insurance Eligibility Options:

If an insurance company says you are not eligible for home or renters insurance, you may want to ask your agent to apply to the Michigan Basic Property Insurance Association (MBPIA) click the highlighted link for more information on Michigan Basic. Michigan Basic insurance policies have to be sold through a Michigan Basic insurance agent if you have been denied coverage through a regular carrier then you can contact a Michigan Basic agent @ 248-888-1134 to see if you will be eligible for a Michigan Basic homeowners policy