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Protecting Your Manufactured Home in Bloomfield Township, MI.

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A Guide to Mobile Home Insurance in Bloomfield Township, MI: Costs, Coverage, and Considerations

Welcome to Bloomfield Township, Michigan– a true tapestry of affluence, natural beauty, and cultural heritage in Metro Detroit! Situated within the bustling periphery of Metro Detroit, Bloomfield Township stands as an epitome of suburban elegance, characterized by verdant landscapes, stately homes, and a deep-rooted appreciation for the arts and history. This Oakland County gem, with its myriad lakes and rolling terrains, showcases how refined living harmonizes beautifully with nature's bounty.

Bloomfield Township's residential splendor is unmistakably evident in its neighborhoods. Majestic homes, ranging from historic estates to contemporary architectural marvels, dot its serene streets. The township's affluence is not merely a testament to its economic prosperity but reflects a community that values quality, aesthetics, and the finer things in life.

Yet, beyond its residential grandeur, Bloomfield Township is a haven for nature lovers. With numerous lakes, such as the pristine Wing Lake and Walnut Lake, the township offers a plethora of recreational opportunities. Whether it's sailing on a sunny day, fishing in tranquil waters, or merely enjoying a lakeside picnic, Bloomfield provides a serene escape from urban clamor.

Complementing its natural beauty is the township's dedication to the arts and culture. The Cranbrook Educational Community, a National Historic Landmark, exemplifies this commitment. With its renowned art academy, museum, and stunning gardens, Cranbrook is not just a place of learning but a cultural hub where art, science, and nature converge in spectacular fashion.

History, too, finds its rightful place in Bloomfield Township. The Bloomfield Historical Society actively preserves and promotes the township's storied past, ensuring that both residents and visitors can journey through time and understand the roots of this remarkable community.

Bloomfield's culinary scene is as refined as its neighborhoods. With an array of upscale restaurants, bistros, and cafes, dining in the township is an experience in gastronomic excellence. Whether you're savoring gourmet dishes, indulging in international cuisines, or enjoying a cup of artisanal coffee, Bloomfield ensures every meal is an occasion to remember.

Community events in the township reflect its eclectic spirit. From art exhibitions and classical concerts to farmers' markets and charity galas, Bloomfield Township's calendar is dotted with events that celebrate life, culture, and community camaraderie. Education is highly esteemed in Bloomfield, with its schools consistently ranking among Michigan's best. The township's commitment to fostering academic excellence ensures that its younger residents are equipped with the knowledge, skills, and values to navigate the future confidently.

Bloomfield Township emerges as a sanctuary of refined living, where affluence meets art, history embraces modernity, and every street, lake, and building narrates a tale of grace and growth. For those seeking a community that embodies sophistication, cultural richness, and a touch of nature's magic, Bloomfield Township, Michigan, stands as an unparalleled choice.

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 Bloomfield Township, MI.

When shopping for mobile home insurance in Bloomfield Township, MI, it's important to consider several factors. Here are the key points to keep in mind:

Weather Risks:

Bloomfield Township, situated in Oakland County, Michigan, faces a multitude of weather-related challenges each year. Understanding these challenges is essential for ensuring the safety and well-being of its residents. Here's a deep dive into the primary weather risks affecting the area:

Definition: A tornado is a violently rotating column of air extending downward from a cumulonimbus cloud to the ground.

  • Historical Impact: Between 1950 and 2016, Oakland County witnessed 32 tornadoes, leading to three fatalities, 78 injuries, and a staggering $46.7 million in property damage.
  • Frequency & Probability: Historical data from 1950 to 2016 indicates a trend of one tornado approximately every two years in Oakland County. These events mainly occur between April and September, though there have been instances as early as March and as late as October.
  • Health & Safety: Beyond the direct danger of tornadoes, secondary hazards, including falling trees, electrical lines, and airborne debris, pose a significant threat. Michigan’s alarming rate of tornado-related fatalities places it among the top ten states for tornado-induced deaths.

Definition: Freezing rain results in a layer of ice on exposed surfaces, causing hazardous conditions.

  • Historical Impact: From 1950 to 2016, Oakland County reported five major ice or freezing rain events. Notably, an ice storm on April 3, 2003, resulted in one fatality and injuries to around two dozen individuals.
  • Frequency & Probability: Michigan averages one major ice or sleet storm annually, with the likelihood of such events in Bloomfield Township being high. These storms predominantly occur between December and March.
  • Health & Safety: Most casualties from ice/sleet storms are secondary — resulting from car accidents, electrocution from downed power lines, or heart attacks from overexertion.
  • Economic Impact: The repercussions of ice/sleet storms encompass loss of productivity, property damages, and emergency response costs.

Thunderstorm Frequency: Oakland County typically experiences 30-40 thunderstorm days each year. In 2011 alone, 13 severe thunderstorm watches and 15 warnings were issued.

  • Hail:
    • Definition: Hailstones are lumps of ice that fall from thunderstorms.
    • Historical Impact: From 1950 to 2016, Oakland County had 206 hail events, with four specifically impacting the Bloomfield Hills/Township region.
    • Frequency & Probability: Hailstorms are a frequent occurrence in Oakland County and Bloomfield Township. The risk of significant property damage due to hail is notably high.
    • Economic Impact: Hail damages infrastructure, properties, crops, and vehicles. Oakland County recorded approximately $25 million in hail-related damages.
  • Lightning:
    • Definition: A high-energy discharge of electricity from within a thunderstorm.

In light of these risks, Bloomfield Township has implemented a Hazard Mitigation Plan to provide guidance during severe weather events. Through collaborative efforts with the National Weather Service, NOAA, and local media, residents are promptly informed of imminent hazards via warning sirens, television, and radio.

 

Staying informed and prepared is crucial for the safety of Bloomfield Township residents. Proper adherence to warnings and understanding the risks can significantly reduce the potential harm caused by these severe weather events.

Property Crime Rates in Bloomfield Township, MI.

Bloomfield Township, Michigan, showcases a reassuring crime profile, exhibiting lower crime rates compared to both national averages and state figures. Let's analyze the crime statistics to offer a clearer perspective on public safety in the area.

  • Assault: Bloomfield Township records 55.8 incidents per 100,000 residents, which is significantly below the national average of 282.7.
  • Murder: The murder rate in the township stands at 2 per 100,000 residents, compared to the national average of 6.1.
  • Rape: Impressively, Bloomfield Township registered no rape incidents, while the national average stands at 40.7.
  • Robbery: The township has 41.8 robberies per 100,000 residents, markedly lower than the national average of 135.5.
  • Burglary: At 81.6 burglaries per 100,000 residents, Bloomfield Township’s rate is substantially below the national average of 500.1.
  • Theft: The township sees 812.4 thefts per 100,000 residents, compared to a much higher national average of 2,042.8.
  • Motor Vehicle Theft: Bloomfield Township registers 165.3 motor vehicle thefts per 100,000 residents. (Note: The national average for this category was not provided for comparison).
  • Overall Crime Trend: Over a 21-year span, Bloomfield Township has been witnessing a promising downward trend in overall crime. Both violent and property crimes are decreasing, and the crime rate for 2023 is projected to be even lower than that of 2019.
  • Comparison with National Averages (2019): Bloomfield Township’s violent crime rate was a staggering 93.15% lower than the national average. Additionally, its property crime rate was 63.72% below the national average.
  • Statewide Comparison (2019): When juxtaposed with the state of Michigan’s figures for 2019, Bloomfield Township’s violent crime rate was lower by 94.06%. Furthermore, its property crime rate was 51.71% below Michigan’s average.

Bloomfield Township appears to be a relatively safe haven when it comes to crime, especially when assessed against broader national and state metrics. The continuous decline in crime rates over the past decades is a testament to effective law enforcement and community vigilance. The community's combined efforts have evidently fostered an environment where residents can feel secure and protected.

Foundation and Water Damage Coverage:

What it is: Specifically covers repairs linked to foundation or water damage.

Why it's needed: Foundation repairs are costly, and water damage can lead to further complications like mold. This add-on provides targeted protection.

Extended Coverage on Jewelry and Furs:

What it is: Additional insurance for valuable items like jewelry and furs, going beyond standard coverage limits.

Why it's needed: Valuable items can have costs that exceed standard policy limits, making this essential for full compensation.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

Green Improvement Reimbursement:

What it is: Provides additional funds to rebuild or repair with environmentally-friendly materials.

Why it's needed: Encourages sustainable building practices and ensures homeowners can maintain a green residence after a loss.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

Keep 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 Sterling Heights, 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 ?

Efforts have been made to strengthen regulations for mobile home park residents in Michigan, including proposals for one-year leases and licensing regulations for park owners!

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?

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.

Additional Relief

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.

Finding A Manufactured Home or Community in Bloomfield Township, MI

When looking for a manufactured home dealer or manufacturer in Bloomfield Township, MI, there are several reputable options to consider.

Quality Homes Online

Quality Homes offers new and pre-owned manufactured homes for sale in Michigan and other states.
They aim to provide an affordable solution to home ownership, with homes built to high standards of craftsmanship and design.
Their communities offer resort-style amenities, making it a "Quality Living Lifestyle."

Sashabaw Meadows

Sashabaw Meadows is an all-age manufactured home community located just north of Clarkston, MI.
It offers brand-new homes with modern features and a caring community atmosphere.
The community features large home sites with personal yards and off-street parking.
Amenities include a banquet room, clubhouse, baseball field, basketball court, fitness center, playground, and more.
The community is close to schools, parks, shopping, and attractions in the area.

Lake in the Hills

Lake in the Hills is a community nestled in Auburn Hills within the greater Pontiac metro area.
It offers conveniences such as dining and shopping.
The community amenities include a clubhouse, playground, and picnic area.
Residents can enjoy planned activities and events throughout the year.

Remember to reach out directly to each dealer or manufacturer to inquire about the availability of specific home models, customization options, and prices. It is also recommended to visit their websites or contact them for more detailed information and assistance in finding the right manufactured home for your needs.

Finding the Best Mobile Home Insurance in Bloomfield Township, MI

When it comes to getting mobile home insurance in Bloomfield Township, 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:

Significance: Bay City can experience lake effect snow and ice dams during winters. This coverage addresses potential damages caused by these weather events, offering protection against snow-related risks.
Significance: If you have waterfront property, this coverage provides liability protection in case of accidents or injuries that might occur near water bodies.
Significance: Wildlife encounters, such as deer collisions or damage caused by raccoons, can be common in Bay City. This coverage helps cover repairs resulting from these incidents, minimizing financial strain.
Significance: Battle Creek’s natural surroundings might encourage off-road RV adventures. This coverage protects your RV during off-road trips, addressing potential damages due to rough terrain.
Significance: If you travel to beachfront or waterfront areas, this coverage addresses potential damages due to proximity to water bodies and sandy environments.
Significance: If you use marinas, this coverage offers liability protection while your RV is parked at marina locations, ensuring you’re covered during stays near water bodies.
  • 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 Bloomfield Township MI, don't hesitate to get a CoverTree quote now.

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