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Michigan Basic's purpose is to provide fair access to property insurance at standard
rates regardless of property location. It is the agent's responsibility to seek
the best possible property coverage for each insured in the voluntary market before
attempting to acquire coverage through Michigan Basic. Providing the insured property
coverage choices will reduce the likelihood of costly litigation for both Michigan
Basic and the agent.
FAIR PLAN HISTORY
- To uniformly provide prompt, courteous, and efficient service for our customers.
- Be aware of the responsibility we have to our member companies and policyholders,utilizing resources effectively.
- Provide a work environment that recognizes creativity and promotes teamwork.
- Continue to be sensitive to the needs of the community.
Michigan Basic Property Insurance Association was established on October 29,1968,
along with 27 other state FAIR Plans (Fair Access to Insurance Requirements). The
FAIR Plans were a result of the Federal Omnibus Housing Bill, passed on August 1,
The Omnibus Bill passed by the Federal Government provided for riot reinsurance
if insurance companies would join together in statewide pools to offer basic property
insurance to those who were ineligible in the voluntary market. The Bill gave the
responsibility of the formation of FAIR Plans and their operations to the individual
TO CONDUCT BUSINESS WITH MICHIGAN BASIC
To conduct business with Michigan Basic, proceed to NEW AGENT SETUP