Michigan Basic Property Insurance Association®
3245 E Jefferson Ave
Detroit, MI 48207

Robert Hoffman, General Manager

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The system will be unavailable between 5:00pm on Tuesday June 30 and 12:01am Wenesday July 1 for month end processing.

Payments, Claims and Policy Inquiries can be handled by our automated phone response system by calling 313-877-7400, 24 hours a day, 7 days a week.

Click the MAKE A PAYMENT link to make a credit card payment.

Attention Agents! The MBPIA Insurance Decisions Portal is compatible with Internet Explorer 9, 10 and 11. Other browsers are not supported. If you are experiencing issues with the MBPIA Insurance Decisions Portal, please click this link!


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.


  • 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, 1968.

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 states


To conduct business with Michigan Basic, proceed to NEW AGENT SETUP