PLMIeasy
In Michigan, which producer license authorizes an agent to sell a personal homeowners or personal auto policy to a consumer?
AA stand-alone Personal Lines producer license issued by DIFS
A full Property & Casualty producer license
CA Life-only producer license with an auto endorsement
DA limited lines self-service storage license
Why this is the answer
Under MCL 500.1200 et seq., DIFS issues qualifications for Life, Accident & Health, Property, Casualty, Variable, and limited lines. Michigan did not adopt a separate Personal Lines line of authority — the combined Property and Casualty qualifications authorize the producer to sell personal homeowners, dwelling fire, personal auto under the No-Fault Act, watercraft, snowmobile, and personal umbrella policies. Life-only or limited lines licenses do not extend to homeowners or auto coverage.
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