Home Insurance in Michigan

Home Insurance Requirements in Michigan

Michigan requires 50/100/10 Bodily Injury and Property Damage liability plus mandatory Personal Injury Protection (PIP) with a tier choice: $50,000 (Medicaid-eligible only), $250,000, $500,000, or unlimited. Michigan is a no-fault state — your own PIP pays medical regardless of fault. The 2019 PA 21 reform lets drivers opt out of or cap PIP; opting too low can leave catastrophic medical costs uncovered. UM/UIM is not mandatory but is strongly recommended given Michigan's roughly 25% uninsured-driver rate. Standard homeowners insurance in Michigan covers wind, hail, and most weather perils but excludes flood and often limits ice-dam and frozen-pipe damage — review sewer backup and water backup endorsements, especially in Detroit, Warren, and Grand Rapids older housing stock. NFIP or private flood is needed along the Great Lakes shoreline and inland rivers. Coverage A should be audited against current Michigan rebuild costs and labor shortages. Michigan employers with one or more employees (or 3+ in the same 13-week period for private employers) must carry workers' compensation insurance. The Michigan Workers' Compensation Agency enforces penalties for non-coverage. Detroit-area commercial auto, garage liability for dealers and repair shops, and winter slip-and-fall general liability matter across the state.