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Property protection insurance

What is property protection insurance coverage?

Property protection insurance (PPI) is a type of liability coverage that is required for car owners in Michigan. It provides up to $1 million in coverage to help cover costs if you accidentally damage another Michigan resident's property with your vehicle while in the state. Michigan drivers are required to have property protection insurance in order to obtain license plates.

If you hit a parked car in Michigan, personal property insurance coverage will pay for damage your car does to another person's parked vehicle. It also helps cover damage you cause objects typically found along roadways, which might include:

  • Buildings
  • Poles
  • Fences
  • Mailboxes
  • Streetlights
  • Trash cans

Contact an Allstate agent to learn more about adding property protection coverage to your car insurance policy.

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When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

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More property protection information

Personal property coverage is just one type of no-fault insurance required by Michigan law. No-fault insurance means that your coverage may help to pay for associated costs up to the coverage limits, no matter who was at fault for the accident. You'll have peace of mind in knowing you have a safety net in place if you accidentally damage someone else's property.

Besides property protection insurance coverage, Michigan law requires two other types of auto coverage: Personal Injury Protection and Property Damage Liability.

If you are buying a car in Michigan, or if you are planning to become a Michigan resident, contact an Allstate agent to learn more about adding these coverages to your policy.

Your state's minimum auto insurance requirements

While only Michigan requires personal property insurance, other state laws require you to have certain amounts and types of coverage. Find out the minimum requirements and average coverage in your state to help you make a plan.

State Map

Select your state to see coverage requirements.

Related Resources

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

Insurance, coverage and discounts are subject to terms, conditions and availability, which may vary by state. Discount amounts and total savings will vary.
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