Any questions?
(877) 417-8733

Protecting Your Manufactured Home Dearborn MI.

Covertree’s Comprehensive Guide!

Powered by

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.

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

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.

Understanding Mobile home Insurance in Michigan.

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.

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 Dearborn, MI.

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:

Weather Risks in Dearborn, MI

Dearborn, Michigan faces several weather risks that can impact its properties and residents. These risks include heat, flooding, wildfires, and severe winds.

Dearborn experiences a moderate risk from heat due to increasing "feels like"
temperatures. All homes in Dearborn have a Moderate Heat Factor. While an
area's heat trends are primarily determined by factors like latitude, sunlight
exposure, elevation, and climate, additional factors can exacerbate heat effects,
creating what are known as heat islands. These areas can retain heat through
the night, significantly increasing cooling costs for homes and businesses. A total
of 34,427 properties are at risk due to heat.

In addition to heat risks, Dearborn faces moderate risk from flooding, minor risk
from wildfires, and minimal risk from severe winds.

Neighborhoods To Consider in Dearborn, MI

Dearborn has neighborhoods with varying crime rates. Some of the safer neighborhoods include:

Property Crimes

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

Check Availability of all Applicable Discounts

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!

Check Customer Reviews

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.

Talk to an Insurance Agent

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.

Research Insurance Providers

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.

Consider the Coverage Options

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.

Evaluate Replacement Cost Coverage

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.

Keep This In Mind

By considering these factors and taking the time to research and compare insurance providers, you can choose the best manufactured home insurance in Birmingham, 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!

Did You Know ?

Prefabricated homes are becoming increasingly popular in Michigan, with modular homes accounting for a significant portion of new single-family home construction in the 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

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 in Dearborn, MI

When searching for a manufactured home, dealer, manufacturer, or community in Dearborn, MI, it's essential to begin with thorough research. Start by exploring both local and national options to find a wide selection of choices. Look for reputable manufacturers and dealers known for quality craftsmanship and customizable designs. Consider visiting local manufactured home communities to get a sense of their amenities, atmosphere, and the overall living experience they offer. Reach out to trusted real estate agents or consult with experts in the industry who can provide guidance and insights. Additionally, seek feedback from residents who have experience with the dealers, manufacturers, or communities you're considering. By conducting comprehensive research and gathering relevant information, you'll be better equipped to find the ideal manufactured home, dealer, manufacturer, or community that meets your needs and preferences in Dearborn, MI. Here are a few:

HomeFirst Certified Communities

As a leading community operator in Michigan, HomeFirst offers four manufactured home communities in Dearborn, MI - Fairlane East, Fairlane Meadows, Fox Pointe, and Plymouth Hills. Each community has unique offerings, including clubhouses, swimming pools, and playgrounds. HomeFirst also provides a range of new and pre-owned manufactured homes for sale or rent.

The Crossing at Wayne

This manufactured home community in nearby Wayne, MI, is a popular choice for Dearborn residents. It offers affordable housing options with access to community amenities like a clubhouse, fitness center, and picnic area. The Crossing at Wayne also provides an onsite management team to assist residents.

Capital Mobile Homes

As a local retailer in Dearborn, Capital Mobile Homes offers a wide selection of manufactured homes from reputable manufacturers. They have a knowledgeable staff who can assist you in finding a home that meets your specific needs and budget.

Champion Homes

Champion Homes is another respected national manufacturer with authorized dealers in Dearborn. They have a reputation for superior craftsmanship and innovative designs, providing homeowners with a range of stylish options.

Dearborn Estates

This local manufactured home community in Dearborn offers a welcoming living environment for residents. It features well-maintained grounds, community events, and amenities like playgrounds or fitness centers. Dearborn Estates provides opportunities for homeownership or rental homes within the community.

Fairlane Meadows

Fairlane Meadows is a sought-after manufactured home community located in Dearborn. It offers a variety of amenities, including a clubhouse, swimming pool, and recreational areas. The community is known for its beautiful landscaping and well-cared-for homes, providing a pleasant living experience for residents.

When considering purchasing a manufactured home or finding a community, it is crucial to conduct thorough research, visit the locations in person, and seek feedback from others with experience in these retailers, manufacturers, dealers, and communities. This will help you make an informed decision and find the best fit for your needs and lifestyle in Dearborn, MI.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


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.


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 Dearborn, MI?

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

  • This coverage protects against the cost of repairing
    or replacing major systems and appliances in your manufactured home if they suffer
    breakdowns due to mechanical, electrical, or pressure-related problems.
  • Water backup coverage helps protect against damage
    caused by water backing up into your home through sewers, drains, or sump pumps.
  • This coverage can provide protection if you are sued for
    libel, slander, false arrest, invasion of privacy, or other personal injury offenses.
  • If you have additional structures on your property, such as
    detached garages, workshops, or storage sheds, consider getting coverage for those
    structures as well.
  • Remember, the specific coverage needs for your manufactured or pre-fab home may
    vary based on factors such as its value, location, and any additional structures or
    features. It is always best to consult with an insurance agent or broker who can assess
    your needs and help you determine the right insurance coverage for your situation.

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

CoverTree Brand Logo

Any questions?
+1 (877) 417-8733

Enter your address for an instant quote.

Street Address

Based on your state, we can help you better on the phone

Call us at (877) 417-8733 or submit your information below

We don’t sell your data. By submitting your information, you are confirming that you have read our Privacy Policy and TCPA Disclosure .

A CoverTree team member will be in touch within an hour

We couldn’t locate your address...

Please make sure your address is clicked on from the dropdown menu. Double check for typos and try retyping your address. Ensure your unit/lot number is separate and in the box on the right.

If we still can’t find it, please give us a call at (877) 417-8733 or email us at

Please complete your address to get a quote