Michigan ho-6 insurance

Michigan HO6 Insurance

Michigan HO6 policy is designed for condo owners in the state of Michigan. The Michigan HO6 condominium insurance that standard insurance companies such as Mercury, State Farm Bureau and AAA in cities such as Detroit, Grand Rapids, Ann Arbor or Saginaw, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the Grand Rapids and Flint regions are requiring proof of insurance for condos.


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What Does HO6 Insurance Cover in Michigan?

A standard condominium insurance policy in Michigan whether you live in Detroit, Grand Rapids or Lansing will cover most damages to your MI condo and your personal belongings from perils such as explosion, lightning damage from falling objects, trucks or vehicles.

What is One Benefit of Having Michigan Condo Insurance?

Damage to your unit not compensated because of the master policy deductible.

Buying Michigan Condo Insurance

Master Policy - Living in Michigan as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout Michigan

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of Michigan.

Where is HO6 Condo Insurance in Michigan?

The state of Michigan now requires condo insurance everywhere you live:
  • Detroit, MI
  • Grand Rapids, MI
  • Lansing, MI
  • Flint, MI
  • Kalamazoo, MI
  • Saginaw, MI
  • Ann Arbor, MI
  • Midland, MI
  • Warren, MI
  • Brownstown, MI
  • Brownstown Township, MI
  • Dearborn, MI
  • Farmington, MI
  • Farmington Hills, MI
  • Kentwood, MI
  • Muskegon, MI
  • Troy, MI
  • Battle Creek, MI
  • Livonia, MI
  • Sault Sainte Marie, MI
  • Southfield, MI
  • Sterling Heights, MI
  • Ada, MI
  • Bay City, MI
  • Bloomfield, MI