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.
Founded in 1786 and incorporated as a city in 1929, Dearborn, Michigan has become a thriving community and the second largest city in Wayne County. With over 109,000 residents, Dearborn offers exceptional city services and a diverse range of opportunities for both locals and those planning to make a move.
One of Dearborn’s most renowned attractions is The Henry Ford. Situated in Wayne County, The Henry Ford is a must-visit destination for tourists and locals alike. Its expansive complex includes the Henry Ford Museum, The Henry Ford Giant Screen Experience, the outdoor Greenfield Village, and the Ford Rouge Factory Tour. Visitors can immerse themselves in 300 years of American history and innovation through interactive exhibits and tours of the Ford Rouge Factory, where the iconic Ford F-150 pickup truck is produced. Whether exploring the museum, village, or going behind the scenes of auto manufacturing, The Henry Ford is guaranteed to captivate and educate.
Dearborn takes pride in its diverse community, rich history, and central location. Affordability, a strong park system, and excellent schools make it an ideal place for residents. The city also celebrates a unique blend of cultures and experiences, with Middle Eastern cuisine and cultural events like the Arab Film Festival. Locals can enjoy a welcoming atmosphere, recreational activities, cultural experiences, and a vibrant culinary scene.
Shopping enthusiasts can find joy in the one-of-a-kind experiences Dearborn offers. The Glass Academy is a working artist studio that offers functional glassware and sculptures, while the Fairlane Town Center is a large shopping mall with a variety of national retailers.
For those seeking more exploration opportunities, Dearborn’s attractions extend beyond its borders. The Arab American National Museum, the only museum in the United States dedicated to Arab Americans, offers a fascinating insight into their contributions and tells their story.
Dearborn’s centralized location provides easy access to Detroit and other major cities in the Midwest. This, coupled with its exceptional quality of life, makes it an attractive destination for individuals planning a move. Whether seeking employment, healthcare services, higher education, or recreational activities, Dearborn has it all.
With its welcoming atmosphere, exceptional cultural attractions, diverse culinary scene, and educational opportunities, Dearborn is a dynamic city that continues to grow and thrive. Considered the birthplace of Henry Ford, Dearborn offers a unique blend of automotive history, cultural experiences, and natural surroundings. It is a city that truly lives up to its motto of “The City with a Vision,” offering endless opportunities for residents and those looking for a new place to call home.
Mobile home insurance in Michigan typically ranges from $300 to $1,500 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 it comes to choosing the best manufactured home insurance in Birmingham, MI, there are several important factors to consider. Here are some key points to keep in mind to ensure you make an informed decision that provides you with the coverage you need:
Dearborn, Michigan faces several weather risks that can impact its properties and residents. These risks include heat, flooding, wildfires, and severe winds.
Dearborn has neighborhoods with varying crime rates. Some of the safer neighborhoods include:
In terms of property crimes, Dearborn reports rates per 1,000 population as follows:
Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!
Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.
Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.
Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.
Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.
Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.
By considering these factors and taking the time to research and compare insurance providers, you can choose the best manufactured home insurance in Dearborn, MI that aligns with your needs and provides the protection and peace of mind you deserve. 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 Dearborn, understanding the different coverage options is essential to ensure your precious investment is well protected. The average coverage for a mobile home in Dearborn is $1,300. Here is a comprehensive list of different types of coverage you may need for a manufactured or pre-fab home in Dearborn, MI:
This coverage protects the physical structure of your
manufactured home against risks such as fire, windstorm, hail, vandalism, and other
named perils.
Appurtenant structures coverage protects any
structures attached to or adjacent to your manufactured home, such as garages,
carports, sheds, or decks.
This coverage protects your personal belongings within
your manufactured home, including furniture, appliances, electronics, clothing, and
other items, against risks like theft, fire, or damage.
Liability coverage provides financial protection if someone is
injured on your property and holds you responsible for the injury. It covers legal fees
and any settlements or judgments against you.
If your home becomes uninhabitable due to a
covered loss, additional living expenses coverage can help with the cost of temporary
housing, meals, and other accommodation expenses.
Replacement cost coverage ensures that if your home
or personal belongings are damaged or destroyed, they will be replaced with new items
of similar kind and quality, without taking depreciation into account.
Depending on the location of your manufactured home, you may
need separate flood insurance to protect against flood-related damages. Standard
homeowners insurance policies typically do not cover flood damage.
Similar to flood insurance, earthquake insurance is important
for homeowners in areas prone to seismic activity. It provides coverage for damages
caused by earthquakes or earth movements.
This coverage helps cover the cost of rebuilding or
repairing your manufactured home in compliance with current building codes, which
may have changed since your home was originally built.
An umbrella policy provides additional liability
coverage that goes beyond the limits of your standard homeowners insurance. It can
provide higher levels of protection in case of major accidents or lawsuits.
Some insurance companies offer optional coverage for
identity theft, which can help you recover financial losses or expenses related to identity
theft.
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