Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.2806 (2026)

Policy or contract of fire insurance; requirements.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.2806 Policy or contract of fire insurance; requirements.

Sec. 2806.

    A policy or contract of fire insurance shall not be made, issued, or delivered by an insurer or by an agent or representative of an insurer, on any property in this state, unless it conforms to the provisions of this chapter.

History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1990, Act 305, Imd. Eff. Dec. 14, 1990

PopularName Notes:

Act 218
Notes of Decisions
Cited in 20 cases, 1962–2015 · leading case: Borman v. State Farm Fire & Cas. Co, 521 N.W.2d 266 (Mich. 1994).
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Borman v. State Farm Fire & Cas. Co, 521 N.W.2d 266 (Mich. 1994). · cites it 4× “] MCL 500.2806; MSA 24.12806 required insurers that issue fire policies in Michigan to adopt the "Michigan Standard Policy”: (1) The printed form of a policy of fire insurance, as set forth in section 2832, shall be known and designated as the "Michigan Standard Policy.”
Borman v. State Farm Fire & Cas. Co., 499 N.W.2d 419 (Mich. Ct. App. 1993). · cites it 2× “MCL 500.2806; MSA 24.12806 has recently been amended to read as follows: A policy or contract of fire insurance shall not be made, issued, or delivered by an insurer or by an agent or representative of an insurer, on any property in this state, unless it conforms to the…”
Evanston Ins. Co. v. Cogswell Props., LLC, 683 F.3d 684 (6th Cir. 2012). “The Michigan Insurance Code mandates the inclusion of an appraisal provision in fire insurance policies, Mich. Comp. Laws § 500.2806 ; § 500.2833(l)(a), and one will be judicially applied to an insurance contract even where omitted by the parties.”
Kassab v. Michigan Basic Prop. Ins., 491 N.W.2d 545 (Mich. 1992). · cites it 2× “[2] MCL 500.2806; MSA 24.12806. [3] MCL 37.2101 et seq.”
Jimenez v. Allstate Indem. Co., 765 F. Supp. 2d 986 (E.D. Mich. 2011). · cites it 4× “Even if Alstate never formally denied liability, which it did, Jimenez’s lawsuit is still timely and Alstate’s motion must be denied.”
Kassab v. Michigan Basic Prop. Ins., 460 N.W.2d 300 (Mich. Ct. App. 1990). · cites it 2× “12806 makes mandatory the inclusion of the following provision in fire insurance policies: No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless all the requirements of this policy shall have been complied with,…”
In Re Certified Question, 319 N.W.2d 320 (Mich. 1982). “20 provides a 60-day period for the insured to supply proof of loss, lines 97-99, and 60 days after proof of loss and ascertainment of the loss for the insurer to pay the claim, lines 150-156.”
Danish Inn, Inc. v. Drake Ins. Co. of NY, 337 N.W.2d 63 (Mich. Ct. App. 1983). · cites it 2× “MCL 500.2806(2); MSA 24.12806(2). Under the standard policy, the insurer is not liable for loss occurring "while the hazard is increased by any means within the control or knowledge of the insured".”
Davis v. Nat'l Am. Ins. Co., 259 N.W.2d 433 (Mich. Ct. App. 1977). “In fact, the fire insurance provisions made mandatory by MCLA 500.2806; MSA 24.12806 and MCLA 500.”
Eghotz v. Creech, 113 N.W.2d 815 (Mich. 1962). “12832]), and required the use thereof (CLS 1956, § 500.2806 [Stat Ann 1957 Eev § 24.12806]), we might agree with *532 plaintiff’s contentions.”
Wilson v. Home Owners Mut. Ins., 384 N.W.2d 807 (Mich. Ct. App. 1986). “MCL 500.2806; MSA 24.12806. The language of such a contract will be construed with reference to the parties’ relations and the type of property insured.”
Guastello v. Citizens Mut. Ins., 160 N.W.2d 725 (Mich. Ct. App. 1968). “1 CLS 1961, §§ 500.2806, 500.2832 (Stat Ann 1957 Bev §8 24.”
Show all 20 citing cases →
— Mich. Comp. Laws § 500.2806(2) — 6 cases
Borman v. State Farm Fire & Cas. Co, 521 N.W.2d 266 (Mich. 1994). “] MCL 500.2806; MSA 24.12806 required insurers that issue fire policies in Michigan to adopt the "Michigan Standard Policy”: (1) The printed form of a policy of fire insurance, as set forth in section 2832, shall be known and designated as the "Michigan Standard Policy.”
In Re Certified Question, 319 N.W.2d 320 (Mich. 1982). “20 provides a 60-day period for the insured to supply proof of loss, lines 97-99, and 60 days after proof of loss and ascertainment of the loss for the insurer to pay the claim, lines 150-156.”
Borman v. State Farm Fire & Cas. Co., 499 N.W.2d 419 (Mich. Ct. App. 1993). “MCL 500.2806; MSA 24.12806 has recently been amended to read as follows: A policy or contract of fire insurance shall not be made, issued, or delivered by an insurer or by an agent or representative of an insurer, on any property in this state, unless it conforms to the…”
Danish Inn, Inc. v. Drake Ins. Co. of NY, 337 N.W.2d 63 (Mich. Ct. App. 1983). “MCL 500.2806(2); MSA 24.12806(2). Under the standard policy, the insurer is not liable for loss occurring "while the hazard is increased by any means within the control or knowledge of the insured".”
Ford Motor Co. v. Lumbermens Mut. Cas. Co., 413 Mich. 22 (Mich. 1982).
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