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Protect Your Manufactured Home in Ann Arbor, MI

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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.

A Guide to Mobile Home Insurance in Ann Arbor, MI: Costs, Coverage, and Considerations

Whether you're a longtime resident or considering a move, living in Ann Arbor offers the perfect blend of small-town charm and big-city amenities. Situated in Michigan, this vibrant city embodies a high quality of life, accompanied by excellent schools, an abundance of parks, and a diverse cultural scene.

Ann Arbor boasts the University of Michigan, a renowned institution known around the world for its academic excellence. The highly-famed "Big House," the largest football stadium in the United States, is also located here. In July, the city hosts the annual Art Fair, recognized as the largest juried art fair in the nation, featuring over 1,000 artists.

One of the key attractions of Ann Arbor is its thriving arts community. From art galleries to music festivals, the city is known for its cultural richness. The iconic Ann Arbor Art Fair, Summer Festival, and Big Ten athletics are just a few examples of the exciting events that take place throughout the year.

Nature enthusiasts will also find solace in Ann Arbor. The city boasts a variety of parks and outdoor spaces, including an arboretum/botanical garden on campus and expansive Metroparks encompassing 25,000 acres of greenbelt. Whether you enjoy hiking, mountain biking, or cross-country skiing, you'll find plenty of wooded trails, like the scenic 17-mile Pinckney-Potawatomi route.

Ann Arbor's central location provides easy access to other major cities in Michigan and the Great Lakes, making it a convenient hub for travel and exploration. This accessibility, coupled with the city's warm and welcoming atmosphere, attracts top talent and entrepreneurs from around the world. Additionally, the city's strong focus on education and innovation further contributes to its reputation as a hub for intellectual and entrepreneurial pursuits.

Recognized for its outstanding livability, Ann Arbor has garnered numerous national accolades, including being named the #1 College Town by Forbes Magazine. It also holds the distinction of being the #2 Most Educated City in America according to the American Community Survey. Moreover, the city has been recognized as one of the "20 Most Innovative Cities" by 2thinknow, further solidifying its status as a center of innovation and forward thinking.

With its combination of small-town charm, exceptional educational institutions, cultural richness, and opportunities for outdoor recreation, living in Ann Arbor offers residents and newcomers alike a remarkable and fulfilling experience.

Understanding Mobile Home Insurance in Michigan

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.

The location of your mobile home, particularly the zip code in Michigan, is a significant factor.

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.

Choosing the Right Mobile Home Insurance for Ann Arbor, MI.

Choosing the right mobile home insurance for Ann Arbor, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

Weather Risks in Ann Arbor

Ann Arbor faces various weather risks that can impact its residents and community. The winter in Ann Arbor sees its coldest month in January with daily average temperatures nearing 36F and an average of 43 inches of snowfall each year. The other weather risks include flooding, heat, and to a lesser extent, wildfires and severe winds.

Ann Arbor is projected to experience a moderate risk of flooding over the next 30
years. Approximately 13% of all properties in the city, totaling 2,275 properties,
have a greater than 26% chance of being severely affected by flooding. This
level of risk indicates that flooding could significantly impact day-to-day life within
the community.

Ann Arbor has a moderate risk from heat, which is primarily attributed to the
increasing "feels like" temperatures. Moreover, 89% of homes in Ann Arbor have
a Moderate Heat Factor, indicating that the local climate can pose risks related to
heat stress and discomfort.

Ann Arbor faces minor risks from wildfires and minimal risks from severe winds.
While these risks are present, they are not as prominent as flooding and heat.

Neighborhoods To Consider In Ann Arbor, MI

Ann Arbor has several neighborhoods with lower crime rates that contribute to the city's overall safety. Some of the safest neighborhoods include:

Property Crimes

In terms of property crimes, Ann Arbor reports rates per 1,000 population as follows:

Manufactured Home-Specific Coverage

When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Additional Structures

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Personal Liability Coverage

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

Deductibles and Premiums

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Discounts and Bundling Options

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

Keep This In Mind

By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Ann Arbor, 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!

Did You Know?

In Michigan, mobile homes must be titled with the Secretary of State.

Michigan Mobile Home Resources
Mobile Homes in MI.

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 Mobile Home Insurance Facts

Michigan law defines an "eligible person" for homeowners insurance as someone who owns or lives in a dwelling, including houses, condominium units, cooperative units, apartments, or multiple unit dwellings of up to four residential units.​
Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.
Unlike some other insurance coverages, law in Michigan does not mandate homeowners insurance. However, if you are financing your home, your lender will require you to purchase insurance to protect their financial interest.
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 regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.
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.

Learn about the DIFS

The Michigan Department of Insurance and Financial Services (DIFS) plays a crucial role in assisting and protecting consumers in Michigan when it comes to insurance and financial services matters. As a dedicated regulatory body, DIFS provides valuable consumer information and actively investigates complaints filed against insurance providers and financial service entities. Moreover, DIFS offers support to consumers in resolving disputes related to insurance and financial services.

Mobile Home Relocation Fund

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.

When Do You Need
Mobile Home Insurance?

Finding A Manufactured Home in Ann Arbor, MI

When it comes to finding the best dealerships or mobile home manufacturers to get a manufactured or mobile home in Ann Arbor, there are a few options worth considering. These dealerships and manufacturers offer a range of homes and provide a high level of quality and customer service:

Clayton Homes​

Clayton Homes is a reputable manufacturer with a dealership located near Ann Arbor. They offer a variety of manufactured and modular homes that can be customized to suit your needs and preferences. With a focus on energy-efficient designs and quality construction, Clayton Homes ensures that their homes are built to last. Their dealership in Ann Arbor provides a convenient and reliable option for finding the perfect manufactured or mobile home.

Champion Homes

Champion Homes is another trusted name in the industry, known for their wide selection of manufactured and modular homes. They offer customizable floor plans and numerous design options to meet your specific requirements. Champion Homes focuses on delivering high-quality homes with an emphasis on affordability and functionality. With their expertise, you can find a manufactured or mobile home that suits your lifestyle and budget.

Skyline Homes

Skyline Homes is a leading manufacturer of manufactured and modular homes with a strong reputation for craftsmanship and attention to detail. They offer a range of home styles and a range of floor plans that allow you to choose a home that best fits your needs. Whether you're looking for a comfortable single-section home or a spacious multi-section home, Skyline Homes has options to suit various preferences. Their dedication to customer satisfaction makes them a reliable choice for purchasing a manufactured or mobile home in Ann Arbor.

Arbor Meadows

Luxury living, located within the Ann Arbor Public School District, Arbor Meadows offers spacious manufactured homes so that you can enjoy all the benefits of homeownership without the price tag of a site-built home. You can choose from a variety of previously-owned manufactured homes in various sizes and floorplans. The Community is located within the Ann Arbor Public School District featuring Huron High School, recently rated among the top schools in the country.

Scio Farms

Scio Farms provides residents with a beautifully maintained community that has easy convenience to a host of exciting entertainment, cultural and educational venues. Our welcoming community offers a beautifully maintained neighborhood with lush landscape and mature trees. Our family of residents love indulging in our numerous on-site amenities including: multiple community areas to bond with neighbors, natural playscape and community playgrounds for the little ones to run around and a customer service staff at the ready to ensure your experience is an amazing part of your life story!

When considering dealerships or manufacturers, it's important to visit their websites or contact them directly to explore their offerings, inquire about available homes, and schedule visits to their showrooms. This will allow you to see the homes in person and discuss any customization options or specific requirements you may have. Additionally, reading customer reviews and testimonials can provide valuable insights into the experiences of previous buyers, helping you make an informed decision.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.

Liability

Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance in Ann Arbor, MI?

When it comes to getting mobile home insurance in Ann Arbor, understanding the different coverage options is essential to ensure your precious investment is well protected. The average coverage for a mobile home in Ann Arbor is $1,135. Let's take a look at the types of coverage available:

This one’s all about safeguarding your mobile home against any losses. If something happens to your home, you’ll usually get compensated based on its replacement cost, which means you won’t be left empty-handed.

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They’re typically covered for up to 10% of your dwelling amount, and you won’t have to pay extra for it.

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better!

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 regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.
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.

If you accidentally cause damage to someone else’s property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Don’t worry about leaving your stuff behind when you’re away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

 Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

  • Additional Replacement Cost Coverage
  • Debris Removal
  • Trees, Shrubs, and Other Plants
  • Fire Department Service Charge
  • Credit Card, Fund Transfer Card Forgery, and Counterfeit Money
  • Ordinance and Law Coverage
  • Personal Property Endorsements
  • Water Backup and Sump Pump Overflow
  • Flood Insurance

Now that you've got the lowdown on mobile home insurance coverage in Ann Arbor, MI, don't hesitate to get a CoverTree quote now.

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