The FAIR Plan - Michigan

If you live in Michigan and have had trouble getting homeowners or property insurance, the Michigan Fair Access to Insurance Requirements (FAIR) Plan may be able to help. This program gives people a way to get basic property insurance coverage when regular insurance companies won’t insure their home or business—often because it’s considered “high risk.”

The FAIR Plan is managed by the Michigan Basic Property Insurance Association (MBPIA) and helps ensure that everyone in Michigan has access to essential protection for their property.  

What kind of insurance can I get from the FAIR Plan? 

You can apply for two basic types of insurance through the Michigan FAIR Plan: 

• Dwelling policy (for homes): This is basic property insurance that helps protect a house or building you own—especially if it is a rental, vacant, or does not qualify for regular homeowners’ insurance. It typically covers certain named perils; for example, damage from fire, wind, hail, or vandalism. Coverage for water damage, floods, or other related liability is more limited and may require MBPIA endorsement. This policy protects the building itself, but it may not cover personal belongings or liability unless you add extra coverage. 
• Commercial policy (for businesses): This insurance protects a business building and the things inside it—like furniture, equipment, or inventory. It helps pay for repairs or replacements if there is damage from events like fire, theft, or storms. Some policies also help cover lost income if your business is closed for a short time due to the damage. 

Who can get help from this program? 

You may qualify for Michigan’s FAIR Plan insurance if your home or other property is considered high risk. That could mean: 

• It’s located in an area or condition where insurance companies may refuse coverage due to risks, such as older construction, prior claims, or severe weather exposure. 
• The neighborhood has high crime, including break-ins or vandalism. 
• The property is very old and has old wiring or plumbing that can be unsafe. 
• You have been unable to get coverage in the regular insurance market. 
• You have filed multiple insurance claims already (especially big ones). 

The property you wish to insure must also be considered a “qualified property” meaning your home is residential, meets building codes, and is not used for farming, business, or illegal activities. 

How do I apply for this program?  

To get insurance through the Michigan Fair Plan, contact MBPIA to speak with an insurance agent who can help you get started. You can also search for an agent online. 

How do I get help with my application? 

MBPIA uses licensed agents, and they will submit an application on your behalf. If you have any questions about applying for the Michigan FAIR Plan, send an email to Policy@mbpia.com or call MBPIA at 313-877-7400. Their office is open Monday—Friday from 8 a.m. to 4 p.m. EST.