Reasons you can’t get Flint Homeowners Insurance
Flint homeowners insurance coverage can’t be denied under the Michigan Essential Insurance Act solely because of the age of your house, its location or the type of neighborhood your home is in. However, you can be considered ineligible and denied coverage for the following reasons:
- Within the past five years, you have been found guilty of a crime of arson, the use of explosives or destroying property.
- The property you want to insure is used for illegal or dangerous purposes.
- If your home has a physical condition which presents an extreme likelihood of a significant loss (such as a bad roof)
- Taxes on your property are over two years past due.
- You don’t want to buy the minimum coverage required for the type of policy that you want to buy.
- You have been denied a claim based on fraud or arson within the past five years.
Companies can also refuse to write new policies based on the physical condition of your property, adjacent hazards, and property vacancies. Companies may not renew policies if in the past three years there is a liability claim in which the insured was negligent, three property claims of any type totaling over $4000 ($3000 if they are not weather-related) or if the insured fails to correct a dangerous condition after being notified by the company.
How you can Purchase Flint homeowners insurance
If you are unable to get Flint homeowners insurance through the regular market, call a local Michigan Basic insurance agent to apply to the Michigan Basic Property Insurance Association (MBPIA). Michigan Basic was created to provide property insurance to qualified individuals who can’t get Michigan homeowners insurance with another company. If you are qualified, you can get a standard HO-2 or HO-3 policy from Michigan Basic, which is the same policy as offered by a regular company.
To qualify for Flint homeowners insurance:
You need to own or rent and live in a qualified property
- “Qualified Property” means residential property which meets building code standards, is not used for farm or business reasons and is not used for illegal activities.
To determine if your property is “qualified,” MBPIA will have your property inspected (at no cost to you). If MBPIA decides that your property is not qualified, you are entitled to a written explanation of why the property does not qualify and what you need to do to make it eligible.
All MBPIA Policies are issued for one year, which can be renewed on a qualified property for the next two years without another inspection, which could be scheduled at MBPIA’s discretion. If work is required MBPIA can issue a temporary binder for up to 60 days that will insure your property while you are waiting for an inspection or make the repairs to your property.
To understand all the coverage’s on a Flint homeowners insurance policy read our article Understanding Michigan Homeowners insurance.
Contact our office to answer all of your Flint homeowners insurance questions:
To buy a Flint homeowners policy through Michigan Basic you have to contact a local Michigan insurance agent, if you have been denied coverage through a regular carrier then click this link to be connected to a Michigan Basic agent to see how you can get Flint homeowners insurance