Michigan drivers make more coverage choices than drivers in most states. Reviewing your auto policy alongside your home and liability coverage helps make sure those choices work for your whole household.
Looking for personal insurance in Michigan? Your auto liability and PIP medical choices affect how much protection you have after a crash, and they connect to your home and umbrella coverage. A Blue Peak advisor can help you review them together.
Michigan's auto system gives drivers real choices, and those choices have trade-offs. Blue Peak helps you understand them before you pick.
Michigan's no-fault law lets drivers choose some of their coverage levels. Here are the choices to review carefully. Source: Michigan Department of Insurance and Financial Services (DIFS).
Personal injury protection (PIP) medical pays for covered medical care after an auto accident. Michigan offers several levels, from unlimited down to lower limits, plus an opt-out. Some of the lower options are only available if you meet certain health coverage rules. If you do not choose a level, unlimited is the default.
Bodily injury liability protects you if you are responsible for hurting someone. The default is $250,000 per person and $500,000 per accident. You can choose lower limits, down to $50,000 per person and $100,000 per accident, after signing a form that explains the risks.
Lower limits can reduce your premium, but they may leave you exposed if a serious crash leads to a lawsuit. Review these options alongside your health coverage and your assets. Learn more about auto insurance options.
A licensed Blue Peak advisor can review your auto choices, home coverage, and liability limits together.
Your auto policy is only part of the picture. Here is how home and liability coverage fit in.
A homeowners policy can help repair your home and replace belongings after a covered loss, and it usually includes personal liability. See home insurance in Michigan for more on coverage options.
If you rent a home or unit to tenants, a landlord policy is usually the right fit. Read about landlord insurance in Michigan.
If you have chosen higher auto liability limits to protect your assets, it often makes sense to look at personal umbrella insurance too. It adds liability coverage above your home and auto policies.
Bring these questions to your next review:
The Michigan Department of Insurance and Financial Services (DIFS) licenses the insurers and agents that sell personal insurance in Michigan. If you have a question about a claim or a company, DIFS's consumer services team can help, and you can confirm any agent's license on the Michigan Department of Insurance and Financial Services website.
Michigan winters bring heavy snow, ice dams and frozen pipes, summer storms can overwhelm sewers and flood basements, and Great Lakes shoreline erosion threatens lakefront property. Sewer and water backup coverage is usually an add-on in Michigan, and it is worth a close look after the basement flooding seen in Metro Detroit in recent summers.
Blue Peak works with individuals and families in Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor and Lansing, as well as smaller towns across Michigan. Our advisors compare options from multiple carriers and explain how Michigan rules apply to your personal insurance before you decide.
Personal insurance includes the policies that protect your household, such as auto, homeowners or renters, and umbrella coverage. It can also include landlord, boat, motorcycle, and coverage for valuables.
Michigan offers several PIP medical levels, from unlimited to lower limits, plus an opt-out for drivers who qualify. Unlimited is the default if you do not choose. Some options require qualifying health coverage.
The default bodily injury liability limits are $250,000 per person and $500,000 per accident. You can choose lower limits, down to $50,000 and $100,000, by signing a form.
Lower limits can lower your premium, but they also lower your protection if you are sued after a crash. Consider your home, savings, and other assets before you decide.
Yes. An umbrella policy adds liability coverage above your auto and home policies. Most umbrella insurers require certain underlying limits, so ask an advisor what your policies need.
Michigan drivers have important choices to make about auto coverage. Reviewing those choices with your home and liability coverage helps you protect what you have built.
Start with our personal insurance overview, or talk with an advisor about your auto, home, and umbrella coverage.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Michigan is regulated by the Michigan Department of Insurance and Financial Services (DIFS). DIFS licenses agents and insurers and handles insurance complaints in Michigan.
Before you buy any policy, you can confirm that an agent or agency holds an active Michigan license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Michigan.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
