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.
Introduction
Welcome to Clare, Michigan, a gateway to the North, nestled in the heart of Michigan. Clare is a charming small town that serves as a welcoming gateway to the state’s northern treasures. Known as the “City of Festivals,” Clare is a place where community spirit thrives, history is cherished, and natural beauty abounds. Whether you’re drawn to its fascinating heritage, vibrant events, or serene outdoor escapes, Clare offers an inviting retreat for visitors and locals alike.
Clare’s history dates back to the 1870s, when it was established as a lumber town during Michigan’s logging boom. Named after County Clare in Ireland, the city embraces its Irish roots with pride. The town’s heritage is beautifully preserved in its downtown area, where historic buildings evoke a sense of nostalgia and charm.
A must-visit landmark is the Clare Union Depot, a restored train station that once played a vital role in connecting Clare to other Michigan towns. Today, it serves as a visitor center and museum, showcasing artifacts and stories from the town’s early days.
The Doherty Hotel, a cornerstone of Clare since 1924, is another piece of living history. This family-owned establishment has hosted countless visitors, including notable figures, and carries a legacy of hospitality that continues to this day.
Clare is surrounded by picturesque landscapes, making it a haven for outdoor enthusiasts. The Pere Marquette Rail-Trail, a 30-mile paved path, is a favorite among cyclists, hikers, and joggers. The trail offers stunning views of Michigan’s countryside, winding through woodlands, wetlands, and charming small towns.
For a more tranquil experience, Shingle Lake and Lake Shamrock provide excellent opportunities for fishing, kayaking, and picnicking by the water. These serene spots are perfect for families or anyone looking to unwind amidst nature.
Winter transforms Clare into a snowy wonderland, with snowmobiling and cross-country skiing becoming popular activities. The city’s proximity to Michigan’s northern forests makes it a great base for exploring the state’s vast winter landscapes.
True to its nickname, the “City of Festivals,” Clare hosts a variety of events that bring the community together. The Clare Irish Festival is a beloved annual celebration of the town’s Irish heritage, featuring parades, music, dancing, and plenty of green.
Summer brings the Clare County Fair, a week-long event with carnival rides, live entertainment, and agricultural exhibits. For art lovers, the annual Art Alley event showcases the work of local and regional artists, adding a splash of creativity to Clare’s downtown streets.
Community events like farmers’ markets, holiday parades, and charity runs further enhance the warm and welcoming atmosphere of this close-knit town.
One of Clare’s most famous claims to fame is its connection to Cops & Doughnuts, a bakery and coffee shop run entirely by retired police officers. Established in 2009 to save the town’s historic bakery, it has since become a beloved destination for both its delicious treats and its quirky backstory.
Clare is also known as the “Crossroads of Michigan,” as it lies at the intersection of two major highways—U.S. Route 10 and U.S. Route 127—making it a strategic stop for travelers heading north to explore Michigan’s lakes and forests.
Another fun fact: The Doherty Hotel is rumored to have connections to Prohibition-era gangsters, adding an intriguing layer of history to this iconic local landmark.
Clare, Michigan, is a place where past and present blend seamlessly, offering visitors a unique mix of historical charm, outdoor adventure, and lively community spirit. Whether you’re exploring its historic sites, enjoying its scenic trails, or joining in one of its famous festivals, Clare invites you to experience its warmth and character firsthand.
Plan your visit to Clare today, and see why this small town continues to capture the hearts of everyone who passes through.
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 Clare, MI, it's important to consider several factors. Here are the key points to keep in mind:
Clare, Michigan, experiences various weather-related hazards, including extreme heat, winter storms, and tornadoes. Here's an overview of these risks and safety tips to help you stay prepared:
Clare faces a medium hazard level for extreme heat, with more than a 25% chance of at least one period of prolonged exposure to extreme heat, resulting in heat stress, occurring in the next five years.
Safety Tips:
Clare experiences significant snowfall during winter months, leading to hazardous travel conditions and potential power outages.
Safety Tips:
While the risk of tornadoes in Clare is lower than the Michigan average and the national average, it’s still important to be prepared.
Safety Tips:
By understanding these weather hazards and following safety precautions, residents of Clare can better protect themselves and their property.
Property crime constitutes a notable share of Clare’s overall crime rate.
Property crime constitutes a notable share of Clare’s overall crime rate.
Clare’s property crime rate is above average compared to communities across the U.S., making property-related offenses a significant contributor to the city’s overall crime profile.
Clare has one of the highest violent crime rates in the nation across communities of all sizes.
The elevated violent crime rate poses safety concerns for Clare residents, standing out even when compared to similarly sized communities nationwide.
Clare experiences a crime rate that surpasses the national average and most communities in Michigan.
While both violent and property crimes contribute to Clare’s overall crime rate, the high incidence of violent offenses is particularly concerning for community safety.
The shifting of Michigan’s soil due to freezing and thawing can cause structural issues. Inspect your foundation for signs of settlement.
If you notice uneven floors or cracks in the walls, you may need to level your home.
Moisture from snow, rain, and humidity can cause mold and mildew. Ensure proper ventilation in crawl spaces and attics.
Install vents in your roof and floor to encourage airflow and prevent moisture buildup.
Michigan’s extreme winter temperatures can freeze pipes, so insulate them properly and keep cabinet doors open to allow warm air to circulate.
Drain outdoor faucets before the first frost and cover them to avoid pipe bursts.
In Michigan, snow can pile up quickly, so it's important to park your car away from areas where snow plows operate.
Clear driveways and walkways regularly to prevent ice buildup.
Michigan experiences temperature extremes, so investing in energy-efficient appliances can help reduce heating and cooling costs.
Look for Energy Star-rated models to save on energy bills, especially during Michigan’s frigid winters and humid summers.
Michigan is prone to severe weather like thunderstorms, tornadoes, and blizzards. Sign up for local weather alerts to stay informed.
Have an emergency kit with essentials ready in case of power outages or severe weather.
By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Clare, 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 Clare, 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:
References: MI
