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 Chesterfield Township, Michigan– where navigating the nonfluence of lakeside charm and modernism is a daily joy! Lying gracefully along the western shores of Lake St. Clair, Chesterfield Township embodies Michigan’s alluring blend of waterfront beauty and burgeoning suburban life. This part of Macomb County, with its azure waters, lush expanses, and a community knit together by shared values, beckons both residents and visitors to immerse themselves in the Chesterfield experience.
Tracing back to its origins, Chesterfield Township was forged by pioneers who recognized the land’s rich potential. Over the years, the region evolved from agrarian landscapes to a township with a harmonious mix of residential charm and economic progress. Yet, its heart has always resonated with the rhythm of the lake, a constant companion to its changing story.
One cannot mention Chesterfield without paying homage to Lake St. Clair. A haven for boating, fishing, and myriad water activities, the lake offers recreational opportunities that invigorate the soul. Brandenburg Park, with its picturesque shoreline, playgrounds, and concert spaces, stands as a testament to the township’s dedication to preserving and celebrating its lakeside heritage.
Chesterfield’s dedication to community well-being and development is palpable in its public spaces and institutions. Schools in the township emphasize a holistic approach to education, ensuring that the next generation is well-equipped not just with knowledge, but also with character and a sense of civic duty.
History holds a special place in the heart of Chesterfield Township. The local historical society diligently preserves the relics and tales of bygone eras, ensuring that new generations can understand and respect the township’s journey. Landmarks, such as old farmhouses and heritage sites, whisper stories of the past, seamlessly blending with the modern architectural marvels that now dot the landscape.
The culinary scene in Chesterfield Township offers a delightful array of choices. From lakeside diners where you can catch a glorious sunset with your meal, to contemporary establishments showcasing culinary innovation, there’s something to satiate every palate. The local farmers’ markets and festivals further emphasize the township’s commitment to local produce and culinary traditions.
Community spirit shines brightly here. Through events, gatherings, and local celebrations, Chesterfield consistently showcases the unity, pride, and collective ambition of its residents. The seasonal events, especially those centered around the lake, draw crowds from all over Michigan, turning the township into a vibrant mosaic of cultures and experiences.
In the grand narrative of Michigan, Chesterfield Township emerges as a unique blend of natural allure and modern-day dynamism. It’s where the waters of Lake St. Clair greet morning joggers, where history and progress dance in harmonious steps, and where community isn’t just a word, but a way of life. For those seeking to experience the magic of Michigan’s lakeside towns infused with the vibrancy of suburban growth, Chesterfield Township awaits with open arms and countless stories.
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 Chesterfield Township, MI, it's important to consider several factors. Here are the key points to keep in mind:
Chesterfield Township, MI, like many parts of Michigan, is susceptible to various severe weather conditions. For mobile home owners, these conditions can pose significant threats due to the nature of their homes' construction. Mobile homes, often not anchored to permanent foundations, can be especially vulnerable to severe weather. Here are three natural weather risks that would most threaten mobile home owners in Chesterfield Township:
Overview: Tornadoes are violent windstorms characterized by a twisting, funnel-shaped cloud. They are capable of tremendous destruction with wind speeds of up to 300 mph.
Harm they cause:
Overview: Winters in Michigan can be intense, bringing with them heavy snowfall and ice storms. Accumulation of snow and ice can have detrimental effects on structures, especially mobile homes.
Harm they cause:
Overview: While not as intense as tornadoes, severe thunderstorms can bring with them high winds, heavy rainfall, hail, and lightning.
Harm they cause:
Chesterfield Township presents its own unique safety profile. When considering its crime statistics in relation to national and state standards, we gain a comprehensive understanding of its security dynamics.
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.
What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.
Why it's needed: Food spoilage can lead to significant costs, especially after major outages.
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.
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.
What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.
Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.
What it is: Covers the expense of replacing locks if keys are stolen.
Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.
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!
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 Chesterfield 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: If you have waterfront property in Chesterfield Township, this coverage offers liability protection in case of accidents or injuries that might occur near water bodies.
Significance: Living near a lake, this coverage protects water recreation equipment like boats, jet skis, or paddleboards, ensuring your gear is covered against damages and theft.
Significance: If you’ve made custom renovations to your mobile home, this coverage helps protect the value of these improvements beyond standard coverage limits.
Significance: If you have a boat dock or pier on your waterfront property, this coverage offers liability protection in case of accidents or injuries occurring near these structures.
Significance: If you transport your RV using a boat trailer, this coverage addresses potential damages or accidents that might occur while hauling your RV.
Significance: If you own both a boat and an RV, this rider might offer a discount for insuring both vehicles together.
References:
