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.
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.
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 Ann Arbor, MI, it's important to consider several factors. Here are the key points to keep in mind:
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 has several neighborhoods with lower crime rates that contribute to the city's overall safety. Some of the safest neighborhoods include:
In terms of property crimes, Ann Arbor reports rates per 1,000 population as follows:
In the neighborhood last year, there were 1.78 incidents of burglary per 1,000 households.
The city experienced a large number of theft incidents, totaling 14.49 per 1,000 residents, raising concerns about public safety.
In the suburban area, the rate of motor vehicle theft stood at 0.77 incidents per 1,000 vehicles, indicating a relatively low occurrence compared to other types of theft.
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.
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.
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.
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.
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.
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.
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!
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 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!
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.
