Policy Holder

Make a Payment

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Online Payment

Pay your MBPIA premium using Visa@ / MasterCard@ / DinersClub@ online.

Your 10 digit policy number and property zip code are required.

Pay by Phone

Credit and debit card payments can be made over the phone 24 hours / 7 days a week using our automated system by dialing 313-877-7400 and selecting option 1.

Checks & Money Orders

Address for Checks & Money Order mailing: 


27555 Farmington Rd, Suite 315
Farmington Hills, MI 48334

Report a Claim

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Inquire About Your Claim

Find An Agent

Frequently Asked Questions

What is Michigan Basic Property Insurance Association’s customer service email address?

Do I have to have an agent to get Michigan Basic Property Insurance?

Yes. You must contact a licensed agent to submit an application through Michigan Basic Property Insurance Association.

What does my policy cover?

Please contact your Agent for coverage questions.

What actions do I need to take if a claims check lists an additional interest.

All interested parties must sign the check before it can be cashed.

If the policy cancels, how long will it take for a refund to be issued?

The refund will be issued within 10 days of the cancellation date.

Can multiple property locations be on one policy?

No, each property location must have its own policy.

Can a payment be made with a check by phone?

Check payments are only accepted via mail or at our payment drop box during normal business hours at 27555 Farmington Road, Suite 315, Farmington Hills, MI 48334.  Please see additional payment options at the top of this page.

Where can information be located regarding the premium installment amount and due date?

Your premium due notice includes the current amount and due date and a future installment schedule.

If a potential insured is in the process of applying or receiving a home loan and needs insurance to qualify, will Michigan Basic accept the property with unrepaired damages?

An application should be submitted. Once the policy becomes effective, an inspection will be ordered to determine if the risk will be accepted. 

When does Michigan Basic require an interior inspection?

An interior and exterior inspection is required on vacant properties and commercial properties. On other properties, if an exterior inspection reveals unfavorable conditions, Michigan Basic may order an interior inspection.

What actions should the insured take if a “Do Not Renew” is placed on the policy?

If a “Do Not Renew” is placed on the policy, the policy will not renew unless:

  • The insured responds to the “Do Not Renew” 45 days prior to the expiration date.
  • The insured contacts Michigan Basic to advise that the conditions listed on the “Do Not Renew” have been corrected.
  • The insured provides documentation that the repairs have been completed. Michigan Basic will review the documentation and make a decision on whether to remove the “Do Not Renew”. Please note that Michigan Basic may order an inspection to verify that the corrected conditions meet our qualifications.
  • If the policy expires and the insured has corrected the conditions and still desires insurance through Michigan Basic, a new application will be required. Please note that expired policies cannot be reinstated.

Will the insured receive a new declaration page when a policy renews?

No. The renewal offer serves as the Declaration Page.

Can a cancellation or endorsement be backdated?

Yes. When the requested effective date is prior to the current date, a request can be processed to backdate an endorsement or cancellation.  Documentation is required to support the request. All backdated requests are approved or declined by a Michigan Basic representative. Please contact your agent for all cancellation and endorsement requests.

What are the requirements to remove, add, or change the named insured on the policy?

Supporting documentation, such as a death certificate, probate papers, marriage certificate, quit claim deed, current state identification, etc., is required to remove, add, or change an insured’s name.  Please contact your agent for all name change requests.

Are there options if a policy is cancelled for Underwriting reasons? Can it be reinstated?

Generally, a policy cannot be reinstated when it is canceled for Underwriting reasons. After conditions listed on the cancellation letter have been corrected, a new application is required.