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Michigan Department of Insurance and Financial Services Encourages Consumers to Read Their Insurance Policies and Shop Around During Reading Month

Media Contact: Laura Hall, 517-290-3779,
Consumer Hotline: 877-999-6442,


(LANSING, MICH) March is Reading Month, and the Michigan Department of Insurance and Financial Services (DIFS) is encouraging Michiganders to carefully review and understand their existing auto and home insurance policies and to shop around to ensure they have the coverage that best meets their families’ needs and budgets.

“Insurance rates are highly individualized and can vary from insurer to insurer, so shopping around is the best way to save and ensure that you have the right coverage for yourself, your family, and your budget situation,” said DIFS Director Anita Fox. “We encourage Michiganders to read their existing insurance policies, shop around for savings, and to talk to an insurance company or licensed agent about how to get the coverage they need. If you have questions about your policies that you cannot resolve with your insurance company or agent, contact DIFS Monday through Friday 8 a.m. to 5 p.m. at 877-999-6442.”

Insurance touches nearly every part of a Michigan consumer’s life and understanding your insurance policies to ensure they meet your needs is critical. During this Reading Month, Michiganders should be sure to review their insurance policies, including:

  • Homeowners Insurance: As the value of homes continue to rise, it is important that consumers review their insurance policies to ensure that their existing coverage would be adequate should they experience damage to their home. The limit your home is insured for, as noted in your insurance policy documents, may no longer be enough to cover the amount needed to repair or replace your home after a loss. Consumers should contact their insurance agent or company to discuss their coverage needs and policy options.
  • Auto Insurance: Nationwide and here in Michigan, insurance rates are going up due to significant increases in traffic crashes in recent years and the rising costs of repairing and replacing vehicles. Consumers who want to save on their auto insurance should shop around and compare prices from different insurers. In addition, consumers should review their current coverages to make sure they are adequate, and also ensure that family members who opt out of or are excluded from Personal Injury Protection (PIP) medical coverage 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 for assistance, Monday through Friday from 8 a.m. to 5 p.m. at 877-999-6442 or

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit or follow the Department on Facebook, X, or LinkedIn.