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Protecting Your Manufactured Home in
East Lansing, MI

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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 East Lansing, MI: Costs, Coverage, and Considerations

Welcome to East Lansing, Michigan – where cosmopolitan sophistication seamlessly blends with the charm of a historic small town.

Nestled in south-central Michigan's Ingham County, East Lansing shares its vibrant spirit with its neighboring city, Lansing, as both are beautifully adorned by the waters of the Red Cedar River. The genesis of East Lansing can be traced back to the establishment of Michigan State University in 1855, originally the Michigan Agricultural College. This pioneering land-grant institution transformed what was then a remote region east of Lansing into a buzzing educational hub.

Originally christened Collegeville, the state legislature aptly renamed it East Lansing when the city was officially incorporated in 1907. Today, the university remains the heartbeat of the city, shaping its economy and standing as its prime employer.

While the city proudly boasts its association with a globally-renowned educational institution, East Lansing retains its endearing small-town essence. The streets, lined with towering trees, lead to a myriad of architecturally diverse homes, all contributing to the city's picturesque charm. Its proximity to various shopping districts further enhances its homely ambiance.

However, to label East Lansing as just a university city would be an understatement. With a dynamic mix of culture, talent, and innovation, the city stands out for its diversity, affordability, and world-class services. Being adjacent to Michigan State University has its perks – the community benefits immensely from the influx of over 49,000 students annually and the expertise of its 11,000 strong faculty and staff. MSU's reputation as a top-tier public university, and its recognition among the world's best, only underscores the city's academic prominence.

But East Lansing's allure doesn't end with academia. Its proximity to Lansing, the state's Capital City, brings additional vibrancy to its business ecosystem. Lansing's illustrious history, robust manufacturing sector, exceptional medical facilities, and educational institutions all contribute to the region's prosperity. With the Capitol building as its crown jewel, Downtown Lansing also provides a myriad of recreational options, from serene river trails to the thrilling matches of its beloved minor-league baseball team.

Downtown East Lansing is more than just a place on the map; it's a lively community that beckons people to experience its unique blend of education, culture, and recreation. Whether you're here to study, work, or simply explore, East Lansing promises a journey rich in experiences, making it not just a destination, but a place many are proud to call home.

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 size and year of your mobile home
  • Upgrades made to your mobile home
  • The value of your personal property
  • Property crime rates in the area
  • Your chosen mobile home community or park
  • Weather events specific to the region
  • Whether or not you smoke

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:

  • Installing extra security measures to reduce the risk of burglary
  • Making home improvements, such as adding insulation to prevent pipes from freezing

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 East Lansing, MI

Weather Risks in East Lansing, MI:

East Lansing, Michigan faces a range of weather risks that can impact its energy consumption, residents, and properties. These risks include heat, flooding, wildfires, and severe winds.

East Lansing experiences the effect of heat on energy consumption. It is estimated that the use of air conditioning would cause an increase in energy consumption on 134 days annually in the current year. Over the next 30 years, this number of cooling days is projected to increase to 147 days per year. This change is expected to lead to a 20.20% increase in electricity usage for cooling purposes.
East Lansing is projected to experience a 128.6% increase in the number of days over 97ºF over the next 30 years. This rise in temperature brings a higher likelihood of heat waves, defined as three or more consecutive days with “feels like” temperatures reaching or exceeding 97ºF. The likelihood of such heat waves has increased significantly over the past 30 years.
East Lansing faces moderate risk from flooding, minor risk from wildfires, and minimal risk from severe winds. While these risks exist, they are not as prominent as heat-related concerns.

East Lansing Neighborhoods to consider

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

  • Wilson Rd / Birch Rd
  • Michigan State University Northwest
  • Michigan State University Northeast
  • Bogue St / Traffic Cir
  • Michigan State University North
  • Michigan State University
  • Ann Dr / Webster Rd
  • Whitehills
  • Priggooris Park
  • East Lansing North

Weather Risks in East Lansing, MI:

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

  • Burglary: 2.20 incidents per 1,000
  • Theft: 16.82 incidents per 1,000
  • Motor Vehicle Theft: 5.12 incidents per 1,000

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.

Consider Additional Coverage:

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Compare Deductibles and Premiums:

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Keep This In Mind

Remember, finding the right manufactured home insurance in East Lansing, MI requires careful consideration and research. By keeping these factors in mind, you can make an informed decision that provides you with the necessary coverage and peace of mind for your manufactured home. Since there are so many variables that go into mobile home premiums, we recommend getting a free quote right now, right here! - Link to Free Quote/CTA

Did You Know ?

Prefabricated homes in Michigan must comply with the state's building codes, which are based on the International Building Code and International Residential Code!

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.

Mobile Homes program

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 Manufactured Housing Commission

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.

Coastal Property Insurance Pool

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.

Know your rights!

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 in East Lansing, MI

If you are considering purchasing a manufactured home in East Lansing, MI, you'll want to familiarize yourself with the best local and national retailers, manufacturers, dealers, and communities in the area. From finding the perfect floor plan to navigating the home-buying process, having access to reputable and trusted establishments is essential.

Read on to learn more about these exceptional options and find the perfect fit for your manufactured home needs in East Lansing.

Michigan Manufactured Homes

Located in East Lansing, Michigan Manufactured Homes is a reputable local retailer specializing in manufactured homes. They offer a wide range of models and floor plans to suit various budgets and preferences. With their expertise and personalized service, they strive to help customers find the perfect manufactured home for their needs.

Eden Springs Manufactured Home Community

Situated in East Lansing, Eden Springs is a popular manufactured home community that offers a tight-knit neighborhood atmosphere. The community provides amenities such as recreational areas, walking trails, and organized resident activities. Eden Springs partners with trusted local manufacturers and dealers to provide residents with a seamless home- buying process.

Clayton Homes

Clayton Homes is a well-known national retailer and manufacturer of manufactured homes, offering a wide selection of customizable floor plans. With a focus on quality craftsmanship, energy efficiency, and innovative designs, Clayton Homes provides options for every budget and lifestyle.

Champion Homes

Champion Homes is another reputable national manufacturer and retailer of manufactured homes. They offer a variety of single-section and multi-section homes, catering to different preferences and budgets. Champion Homes is known for its commitment to customer satisfaction and high-quality construction.

Crist Homes

Based in East Lansing, Crist Homes is an established manufactured home dealer offering a range of options from reputable manufacturers. Their experienced team provides personalized guidance and support throughout the home- buying process; ensuring customers find a home that meets their unique needs and preferences.

American Home Centers, Inc.

American Home Centers, Inc. is a reputable manufactured home dealer serving the East Lansing area. They offer a diverse selection of homes from various manufacturers, focusing on delivering high-quality homes at competitive prices. Their knowledgeable staff assists customers in finding the ideal home and navigating the purchase process.

Red Cedar Village

Red Cedar Village is a desirable manufactured home community located in East Lansing. The community offers a range of amenities, including a clubhouse, swimming pool, and scenic common areas. With its convenient location and well-maintained grounds, Red Cedar Village provides a welcoming environment for residents.

Timber Ridge Estates

Timber Ridge Estates is another notable manufactured home community in East Lansing. Known for its scenic surroundings and family-friendly atmosphere, Timber Ridge Estates offers residents a variety of amenities, including a playground, picnic area, and community events. The community partners with local retailers and manufacturers to offer a streamlined home-buying experience.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

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.

Liability

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 East Lansing, MI

When it comes to getting mobile home insurance in East Lansing, understanding the different coverage options is essential to ensure your precious investment is well protected. The average coverage for a mobile home in East Lansing is $1,250.

Here is a comprehensive list of different types of coverage you may need for a manufactured or pre-fab home in East Lansing, MI:

This coverage provides protection for the physical structure of
your manufactured or pre-fab home in East Lansing. It covers damages caused by
perils such as fire, lightning, windstorm, hail, and vandalism.

Personal property coverage protects your belongings
inside the manufactured or pre-fab home. This includes furniture, electronics,
appliances, clothing, and other personal belongings. Make sure to choose coverage that
adequately reflects the value of your possessions.

Liability coverage protects you if someone is injured on your
property and you are found responsible. It helps cover legal expenses, medical bills,
and any potential lawsuits resulting from accidents or injuries that occur on your
premises.

In the event that your manufactured or pre-fab
home becomes uninhabitable due to a covered loss, additional living expenses
coverage will help cover the costs of temporary accommodations, meals, and other
necessary expenses while your home is being repaired or rebuilt.

This coverage ensures that you will be reimbursed for
the full replacement cost of damaged or destroyed property, without deduction for
depreciation. It is especially important for manufactured or pre-fab homes, as it helps
cover the cost of replacing the home with a new one of similar size and quality.

East Lansing, MI, is located in an area that may be prone to flooding.
Standard homeowners insurance typically does not cover flood damage. Consider
purchasing separate flood insurance to protect your manufactured or pre-fab home and

personal belongings from flood-related losses.

In the event of sewer or water backup, this
coverage helps cover the cost of damages caused by the backup, including repairs,
cleanup, and replacement of damaged property.

Since East Lansing, MI, experiences severe weather
conditions, it's important to ensure you have specific coverage for windstorm and hail
damage. This coverage provides financial protection in case of damages caused by
high winds or hailstorms.

This coverage is important for manufactured or pre-fab
homes, as it helps cover the additional costs associated with complying with building
codes or ordinances during the repair or rebuilding process.

Michigan is located near the New Madrid Seismic Zone, which
means there is a potential risk of earthquakes in the region. Consider adding
earthquake coverage to protect your manufactured or pre-fab home from damages
caused by seismic activity.

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

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