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History and Purpose

Michigan Basic Property Insurance Association ("the Association") was organized under the provisions of Act 262 of the Michigan Public Acts of 1968, which is included in chapter 29 of the Michigan Insurance code.

The Association commenced business on October 21, 1968. It is a Fair Access to Insurance Requirements (FAIR) plan. 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.

The Association's members are all insurance companies writing similar insurance coverages in the state of Michigan and are subject to pro rata annual assessments to fund operating deficits.

The Association is a not-for-profit organization.