Protecting Your Manufactured Home in Flint, 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 Flint, MI: Costs, Coverage, and Considerations

Welcome to Flint, Michigan, a city steeped in history and bustling with community spirit! Nestled in Genesee County, Flint stands proudly as its county seat, with roots extending deep into the annals of American history. Located merely 66 miles northwest of Detroit, Flint boasts a rich tapestry of cultural and industrial heritage. With over 81,000 proud residents, as of the 2020 survey, Flint holds the title of Michigan's 12th largest city, a testament to its enduring spirit and importance in the state's narrative.

The city's journey began modestly, founded as a village by the fur trader, Jacob Smith, in 1819. As the 19th century progressed, Flint flourished as a significant lumbering hub, laying the foundation for its later industrial prowess. The dawn of the 20th century marked Flint's meteoric rise as "Vehicle City" – an acknowledgment of its unparalleled contribution to the automobile industry. The birthplace of General Motors in 1908, Flint became synonymous with automobile excellence, housing GM’s Buick and Chevrolet divisions.

Today, Flint and its encompassing Genesee County resonate with a vibrant echo of its illustrious past. The city pulsates with events such as the Back to the Bricks classic car show, a nod to its automotive legacy, and the Alley Fest, Flint Jazz Festival, 80s in the Hole, and Flint Drop Fest, which showcase an eclectic mix of local and national talents. Sports enthusiasts have a plethora of events to look forward to, while the HAP Crim Festival of Races offers a unique glimpse into Flint's historic neighborhoods.

Moreover, Flint's cultural tapestry is adorned with a plethora of art festivals, fairs, and local craft shows. The city’s parks, top-rated schools, and amenities stand as a testament to its commitment to the holistic growth of its residents. The annual Flint Lions Carnival, Memorial Day Parade, and the ever-popular Farmer's Market are just a few of the events that punctuate the city's calendar, offering numerous opportunities for the community to come together.

At its heart, Flint embodies a rare blend of historic grandeur and contemporary dynamism. Whether you are an enduring resident or a newcomer, the city welcomes you with open arms into its close-knit, thriving community. Experience the suburban charm, explore local businesses, savor culinary delights, and indulge in retail therapy. In Flint, you'll find not just a city but a home – warm, welcoming, and full of heart.

Understanding Mobile home Insurance in Michigan.

Mobile home insurance in Michigan typically ranges from $300 to $1,000 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:

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 Flint, MI.

When it comes to mobile home insurance in Flint, MI, there are a few facts and local regulations to consider. Mobile home insurance provides coverage specifically tailored to the unique needs of mobile homes.

Weather Risks in Flint, MI

Flint, Michigan is exposed to various weather risks that can affect its community members and properties. These risks include flooding, wildfires, severe winds, and heat.

Flooding and Changing Environment

Flint experiences the impact of a changing environment on flooding risks. While

deeper floods from major events such as hurricanes are less likely, they can
affect more properties compared to shallower flood events like heavy rains. As
the changing environment influences weather patterns, events of different types
are expected to affect more properties within the community. If a low-likelihood
storm resulting in severe flooding (a 1-in-100 year flood event) were to occur
today, it could impact 3,287 properties in Flint. Over the next 30 years, due to the
changing environment, the likelihood of this type of event affecting properties
increases to 3,465.

Wildfires, Severe Winds, and Heat

Flint faces minor risks from wildfires, minimal risks from severe winds, and minor
risks from heat. While these risks are present, they are not as prominent as
flooding.

Flint MI, Neighborhoods to consider

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

Richfield Rd / Eastdale Dr
University Avenue Neighborhood / Flint West Village
Circle Neighborhood
E Stanley Rd / N Belsay Rd
Richfield Rd / Mills Acres St
Southside Business District
Chevrolet / Woodcroft Estates
Genesee County Parks Rd / E Coldwater Rd
Hardenbrook Park
New Community Block / Ballenger Hwy

Property Crimes

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

Underwriting Process

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.

Mitigation Measures

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

Policy Expiration and Renewal

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

Coverage Limits and Sublimits

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Exclusions and Limitations

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

Inflation Protection

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Keep This In Mind

Remember, it's always a good idea to consult with an insurance professional who is knowledgeable about mobile home insurance in Flint, MI. They can provide personalized guidance and help you navigate the factors relevant to your specific situation and needs. CoverTree can help you identify and tailor a policy that suits your specific needs – find one right here!

Did You Know ?

Manufactured homes in Michigan are subject to the Manufactured Housing Commission Act!

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.

Eligibility for Homeowners Insurance

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.

Non-Denial Based on Age, Location, or Neighborhood

Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.

Not Required by Law:

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.

Eligibility and Coverage

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.

Protection Against Weather Risks

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.

State and Local Regulations

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

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 and Motor Home Insurance

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 Flint, MI

If you're in the market for a mobile or manufactured home in Flint, MI, it's important to have access to reliable and trustworthy information.

We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Flint, MI.

Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Flint, MI when it comes to manufactured homes and related services.

Fisherman’s Cove

This community provides its residents with a relaxed, beautifully maintained community in a peaceful setting with easy convenience to a variety of exciting educational, entertainment and cultural venues. Located a short one hour’s drive from Detroit, this community offers educational and cultural attractions that will please families of all ages.

Pineview Estates

Pineview Estates is a premier manufactured home community in Genesee County, Michigan, about 10 miles northwest of Flint. This community is accommodating of all ages and has quiet streets filled with primarily front-facing homes.

Liberty Homes

Liberty Homes is located in nearby Davison, MI, and offers both new and used manufactured homes. They also have a wide variety of floor plans available, including single and double-wide homes.

Champion Homes

Champion Homes has a manufacturing facility in nearby Benton Harbor, MI, producing manufactured and modular homes. They offer a wide variety of floor plans, customization options, and energy-efficient features for their homes.

Clayton Homes

Clayton Homes is a national manufacturer with a home center located in nearby Owosso, MI. They offer a variety of pre-built homes and customizable floor plans, and also work with customers to build their dream home from scratch.

Ralph's Homes

Ralph's Homes has a dealership located in nearby Otisville, MI, and offers both new and used manufactured homes. They have a selection of single and double-wide homes, featuring a range of amenities and customization options.

Sunset Manufactured Home Sales

Located in nearby Fenton, MI, Sunset Manufactured Home Sales offers new and used manufactured homes, as well as customization options and financing services.

Collingwood Apartments

This is a customizable manufactured home community located in nearby Davison, MI. It has over 100 home sites and is situated on 60 acres featuring a wooded creek.

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 Flint, MI

When it comes to mobile home insurance in Flint, MI, there are a few key facts and laws to be aware of. First, it's important to note that mobile home insurance is not the same as traditional homeowners insurance.

Mobile homes require specific insurance coverage tailored to their unique characteristics and vulnerabilities. In Flint, MI, it's crucial to understand the local laws and regulations regarding mobile home insurance. These laws may outline the minimum coverage requirements, such as dwelling coverage, personal property coverage, liability coverage, and more.

Here are some coverage options to consider bundling together as a part of your mobile/manufactured home insurance policy:

Dwelling Coverage:

Ensure that your policy provides adequate dwelling coverage to
rebuild your manufactured or pre-fab home if it is completely destroyed. This coverage
should extend to any attached structures, such as garages or decks.

Personal Property Coverage:

Consider the value of your personal belongings and
choose a policy that provides enough personal property coverage to protect them from
covered perils, such as theft or fire.

Liability Coverage:

Protect yourself from potential lawsuits or claims if someone is
injured on your property. Choose a policy with enough liability coverage to adequately
cover your assets, future earnings, and the unique risks associated with owning a
manufactured or pre-fab home.

Additional Living Expenses Coverage:

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

Water Damage Coverage:

Given the concerns about water contamination in Flint's
past, consider purchasing water damage coverage specifically designed to protect
against damage caused by issues such as lead pipe leaks or water supply issues.

Earthquake Coverage:

While Michigan is not generally known for seismic activity, Flint
is located near the New Madrid Seismic Zone. Consider purchasing earthquake
coverage to protect your manufactured or pre-fab home from damage caused by
earthquakes.

Flood Coverage:

Flint is susceptible to flooding, especially after heavy rainfall or
snowmelt. Standard homeowners policies typically do not cover flood damage, so
consider purchasing a separate flood insurance policy through the National Flood

Insurance Program (NFIP).

Windstorm Coverage:

Michigan experiences occasional strong windstorms, which can
cause significant damage to manufactured or pre-fab homes. Ensure your policy
includes coverage for wind-related perils to protect your home from potential damage.

Sewer and Water Backup Coverage:

This coverage helps cover the cost of damages
caused by sewer or water backup, including repairs, cleanup, and replacement of
damaged property. It is especially important in areas with aging infrastructure, like parts
of Flint.

Debris Removal Coverage:

In the event of a covered loss, this coverage helps cover
the cost of debris removal and cleanup on your property, ensuring that you can properly
restore your manufactured or pre-fab home.

Replacement Cost Coverage:

Verify that your policy provides replacement cost
coverage for your manufactured or pre-fab home. This ensures that you will be
reimbursed for the full replacement cost of the damaged or destroyed property, without
deduction for depreciation.

Ordinance or Law Coverage:

Flint's building codes and zoning regulations can change
over time. Ordinance or law coverage helps cover the additional costs of bringing your
manufactured or pre-fab home up to code during repairs or rebuilding, which may be
required after a covered loss.

Medical Payments Coverage:

Consider including medical payments coverage in your
policy to cover minor medical expenses for injuries sustained by guests on your
property, regardless of fault.

Loss Assessment Coverage:

If you live in a manufactured or pre-fab home community
with a homeowners association, loss assessment coverage can protect you from
unexpected assessments levied by the association following a covered loss to the
common areas.

Discounts:

Inquire about available discounts specific to manufactured or pre-fab
homes in Flint, MI. For example, some insurers offer discounts for installing safety
devices, having a claim-free history, or belonging to professional organizations.
It is important to review your options and work closely with an insurance professional
who can help you understand the specific coverage options available and tailor a policy
that matches your needs and the unique risks associated with owning a manufactured
or pre-fab home in Flint, MI.

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

References:

The Best Homeowners Insurance in Michigan for 2023 – NerdWallet

Best and cheapest homeowners insurance in Michigan for 2023.

Do I have to purchase homeowners insurance?

THE MOBILE HOME COMMISSION ACT Act 96 of 1987

Michigan – CCH Manufactured and Mobile Homes – Property – Explanations

Manufactured Housing Commission

Application for Mobile Home Dealer License or Mobile Home Installer and Repairer License

How Much Does It Cost to Move a Mobile Home? Everything You Need to Know

4 Laws You Need to Know Before Moving a Manufactured Home

The Mobile Home Buyer’s & Resident’s Handbook | Aspire Communities

Manufactured Housing Commission

Mobile Homes

Michigan Homeowner Assistance Fund (MIHAF)

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