The Michigan Department of Insurance and Financial Services (DIFS) is reminding Michiganders to read through their home and auto insurance policies to make sure they have appropriate coverage. Insurance affects almost every consumer in one way or another, and understanding insurance policies is crucial to ensuring adequate home and auto coverage. Michiganders should be sure to review their insurance policies, including:

Homeowners Insurance: Floods and severe weather season is on its way, and many homeowners do not know that flood damage is not covered by most standard homeowners insurance policies. There are certain insurance coverages, including federal flood insurance, that homeowners would need to purchase to have coverage for flooding or water and sewer backup resulting from storms or other natural disasters. Consumers should contact their insurance agent or company to discuss their coverage needs.

Auto Insurance: Michigan drivers should review their existing coverage choices to ensure adequate coverage of their vehicles. For example, choosing to only purchase minimum coverages and forgoing collision or comprehensive coverage may lower premiums on the front end, but may also leave drivers paying out of pocket to repair or replace a damaged vehicle. Additionally, insurance policy holders should also ensure that family members who opt out of or are excluded from Personal Injury Protection (PIP) medical coverage continue to have the required Qualified Health Coverage (QHC). Otherwise, they may be left without medical coverage in the event of an auto accident. Additional information is available at:

Consumers should reach out to their insurance company or agent for help with their existing insurance policies. Consumers can also contact DIFS at (877) 999-6442 or