Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.
Welcome to Warren, Michigan- a bustling city that offers a perfect blend of small-town charm and urban excitement. Located in Macomb County, Warren is a city that boasts a rich industrial heritage, a vibrant business community, and a diverse population. Warren’s industrial heritage can be seen and felt throughout the city. As the third-largest city in Michigan, Warren is home to many large and small businesses that drive the local economy. The city has a legacy of manufacturing and is known for producing high-quality products such as cars, trucks, and military equipment.
At the heart of Warren is a strong and tight-knit community. The city hosts many community events and festivals throughout the year, providing opportunities for residents to come together, connect, and celebrate. From the annual Warren Birthday Bash to the Warren Farmers’ Market and the Ethnic Festival, there’s always something happening in the city that brings people together.
In addition to its industrial and community character, Warren offers plenty of recreational activities and attractions. The city has many parks and natural areas, including the Warren Community Center and Halmich Park, where visitors can enjoy hiking, swimming, fishing, and other outdoor activities. For those seeking an indoor activity, the Warren Civic Center Library offers a variety of books and resources, providing an excellent opportunity to learn and explore.
Food lovers will also find much to enjoy in Warren. The city offers many dining options, from casual eats to fine dining, with a range of cuisines. Whether you’re looking for a traditional American burger, authentic Italian pasta dinners, or Asian cuisine, you’re sure to find something that will suit your taste buds.
Warren’s location makes it the perfect base for exploring the broader metro Detroit area and its many attractions. The city is just a short drive away from downtown Detroit, where visitors can visit the Detroit Institute of Arts, the Ford Piquette Avenue Plant, or catch a game at Comerica Park or Little Caesars Arena. The Detroit Zoo and Belle Isle Park are also close by, providing more opportunities for adventure and exploration.
What truly sets Warren apart is its welcoming and inclusive atmosphere. The city embraces diversity and celebrates the unique qualities and contributions of each of its residents. Its rich history, dynamic community, and convenient location make it an ideal city to call home, work, or visit.
In summary, Warren is a city with something for everyone – a strong industrial backbone, diverse community spirit, thriving entertainment options, beautiful parks, and natural spaces – all combined with a sense of warmth and friendliness that makes it a great place to be. Come and experience everything Warren has to offer, from its bustling streets and diverse culture to its beautiful outdoor spaces and proud industrial heritage.
The average cost of mobile home insurance is typically between $700 and $1,500 per year according to the American Modern Insurance Group and according to another manufactured home insurer estimates the average cost to be around $1,025 per year. Insurance carriers consider several factors when determining the premium, resulting in varying rates.
Other factors taken into account by insurance carriers include:
The age and value of your mobile home, deductible options, coverage limits, and potential endorsements, can also influence insurance costs in Michigan. You can minimize coverage costs by:
You can also combine your Michigan mobile home insurance with other coverage, such as car insurance, business insurance, and umbrella policies, to save you as much money as possible.
When shopping for mobile home insurance in Warren, MI, it's important to consider several factors. Here are the key points to keep in mind:
In light of both national and state-level crime data, here's a thorough examination of the crime scenario in Warren, Michigan:
Across the vast landscape of American cities, ranging from bustling metropolises to tranquil towns, Warren’s crime rate notably exceeds the national average. The city registers 21 crimes for every 1,000 residents. While this is indeed significant, it doesn’t categorize Warren among the locations with the absolute highest crime rates.
In Warren, the odds of experiencing either a violent or property crime are 1 in 48. Such a statistic doesn’t cast Warren in a particularly favorable light when it comes to safety, as per FBI crime data. Zooming into a state-wide comparison, Warren’s crime rate trumps 84% of Michigan’s other cities and towns, irrespective of their size.
An interesting pattern emerges when scrutinizing Warren’s crime stats in relation to other U.S. cities of a comparable population size. Here, Warren’s combined crime rate (including both violent and property crimes) hovers around the average. This suggests that, while the city’s crime rate may seem high in absolute terms, it is fairly typical for a city of Warren’s size.
Violent Crime Rate: Warren's violent crime rate is alarmingly one of the highest nationwide, affecting cities and towns of all sizes. This rate encompasses severe offenses like rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault, the latter including instances of assault with a deadly weapon. Given NeighborhoodScout's deep dive into FBI crime data, the likelihood of a Warren resident falling prey to a violent crime stands at 1 in 191 – a considerably high risk.
Property Crime Rate: With a property crime rate of 16 per 1,000 residents, Warren exceeds the national average when compared across American communities of all sizes. This rate encompasses crimes like motor vehicle theft, arson, larceny, and burglary. Consequently, Warren citizens confront a 1 in 64 risk of becoming victims to one of these property offenses.
Warren’s crime landscape, especially its elevated violent crime rate, could be of concern to residents and potential visitors. However, when adjusted for its population, the city’s overall crime rate aligns more closely with national averages for similarly-sized cities. It’s essential to interpret these statistics within the broader socio-economic and community context, enabling a more comprehensive understanding and driving community-focused solutions to enhance safety.
It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.
If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.
While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.
Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.
Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.
Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.
By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Warren, MI that provides adequate protection for your valuable investment. Since there are so many variables that go into mobile home premiums, we recommend getting a free quote right now, right here!
Mobile homes account for roughly 7 percent of The Great Lake State’s total housing units! Michigan has a significant number of mobile home communities, with over 900 in the state, making it the third highest in the country after Florida and Texas.
The average price of a pre-owned mobile home in Michigan is around $44,962, with an average model year of 2004. The average size of a mobile home is approximately 1,337 square feet.
Mobile homes, manufactured homes, and pre-fabricated homes are terms that are sometimes used interchangeably, but they can have different meanings. Mobile homes typically refer to factory-built homes built before 1976, while manufactured homes refer to homes built after the implementation of the HUD code. Pre-fabricated homes are generally built off-site in sections or modules and then transported to the location for assembly.
When buying a manufactured home in Michigan, there is a sales tax rate of 6%. However, there is no annual tax rate on manufactured homes, unlike some other states.
The Mobile Homes program is responsible for initial and renewal licensure for mobile home parks and dealers and determining eligibility of park licensing through the annual inspection process. The program is also responsible for park and dealer complaints; park, dealer and installer & repair licenses; and park construction and permitting.
The Mobile Homes program is responsible for initial and renewal licensure for mobile home parks and dealers and determining eligibility of park licensing through the annual inspection process. The program is also responsible for park and dealer complaints; park, dealer and installer & repair licenses; and park construction and permitting.
Unlike certain coastal states, Michigan doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Michigan need to look for insurance through private providers.
Even though it’s not a legal requirement in Michigan, mobile home insurance is often a wise investment to safeguard your property.
Read through the following guides to help familiarize yourself with rules and regulations in Michigan:
Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.
Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.
Mobile home insurance policies are similar to those of conventional homes but come with additional provisions specific to mobile homes. They often include coverage for moving your home to avoid damage from floods, windstorms, and other perils.
Travel trailers, camping trailers, and
motor homes are typically insured under automobile, recreational vehicle, or special
policies.
In Michigan, there is no specific mention of a Mobile Home Relocation Fund so Michigan does not have a state-sponsored aid package akin to Mobile Home Relocation Funds in other states, which provide financial assistance to mobile home park tenants under certain circumstances such as park closure, redevelopment, rent increases, changes in community age restrictions, or rehabilitation of older homes.
If you owe money on a mortgage for your mobile home, it is likely required to protect your property and the bank’s investment.
If you don’t have enough savings to recover from disasters like fires or tornadoes, mobile home insurance provides financial protection.
If you own your mobile home outright but lack liability coverage, insurance can protect you from litigation if someone gets injured on your property.
If you've faced financial challenges in recent years, the Michigan Homeowners Assistance Fund is here to offer support. Through this program, which utilizes federal funding provided by the American Rescue Plan Act of 2021, over $114 million has been distributed to more than 15,000 homeowners in 2023. The Michigan Homeowners Assistance Fund provides relief by offering up to $25,000 per household to cover various home-related expenses. This includes assistance with delinquent mortgage payments, property taxes, and insurance costs. It's a fantastic opportunity to relieve some of the financial burdens that may have accumulated during these difficult times. To be eligible for this funding, applicants must have experienced a financial hardship directly linked to COVID-19. Additionally, households with a total income below 150 percent of the Area Median Income (AMI) are also eligible for this program. If you meet these criteria, you can find more details and access the application on the website of the Michigan State Housing Development Authority.
When it comes to getting mobile home insurance in Warren, understanding the different coverage options is essential to ensure your precious investment is well protected. Let’s take a look at the types of coverage available:
Reasoning: If you park your RV in urban areas of Warren, this coverage addresses potential damages or theft that might occur while your RV is parked in a city setting.
Reasoning: Michigan experiences harsh winters. This endorsement provides coverage for damages to your mobile home or RV roof caused by heavy snow or ice accumulation.
Reasoning: If you participate in a neighborhood watch program, this coverage offers reimbursement for membership fees and expenses related to neighborhood security initiatives.
Reasoning: Frost heaves can affect mobile home foundations. This endorsement addresses damages or shifts in your mobile home’s foundation due to frost heaves.
Reasoning: If you’re an avid storm chaser, this endorsement offers protection for your RV while chasing storms, including damages caused by hail, strong winds, or debris.
Reasoning: RV tires can be costly to replace. This coverage addresses damages to RV tires, including punctures, blowouts, or road hazard damage.
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