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

Fraser, MI - A town that went from quiet crossroads to a thriving suburb

Situated just 20 miles north of Detroit, Fraser, MI stands as a testament to the power of growth, community, and history. Despite little mention until the latter half of the 19th century, Fraser has blossomed into a vibrant, bustling suburb, where memories of the past coexist with visions for the future.

The story of Fraser starts with the construction of the Utica Plank Road in 1851, connecting the bustling towns of Mt. Clemens, Romeo, and Utica, thereby laying the groundwork for a crossroads community. With the establishment of the railway depot by the Chicago, Detroit and Canada Grand Trunk Junction Railroad Company in 1858, the trajectory of this small settlement was forever changed.

Today, Fraser is home to a population of 14,703, providing residents with a dense suburban experience. The public schools are commendable, and the cost of living is pleasantly lower than the national average. An abundance of bars, restaurants, and parks cater to both young professionals and retirees. Furthermore, the city’s economic growth is positive, with the unemployment rate standing at 4.3%, lower than the U.S. average.

Fraser is not just a suburb; it's a community with deep historical roots, diverse cultural heritage, and a dynamic future. From the establishment of the first Lutheran church at St. John's to the State Bank of Fraser in 1910, each chapter of Fraser's story is woven with determination, resilience, and community spirit.

Above all, Fraser's journey from a quiet crossroads community to a balanced, rapidly growing city near Detroit epitomizes the American dream. Whether you're drawn by its history, the thriving economy, or the promise of a bright future, Fraser, MI welcomes all with open arms.

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 Fraser, MI.

Finding the right insurance for your mobile or manufactured home in Fraser takes some research and consideration. Here are some things you can do to help make the process a little easier:

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.

Fraser experiences moderate heat risk due to increasing “feels like” temperatures. All homes in Fraser have a Moderate Heat Factor. Rising temperatures have broader effects on how Fraser is impacted by heat events. The city is increasingly vulnerable to heat waves, defined as three or more consecutive days where the “feels like” temperature meets or exceeds the local definition of a “hot day.” The “hot day” temperature for Fraser is 96ºF. The likelihood of a 3-day or longer heat wave has significantly increased over the past 30 years.
Heat poses threats to health and human safety, including fatigue, heat stroke, heat exhaustion, and heat cramps. During a heat wave, “feels like” temperatures can reach levels that cause hospitalization and even death for certain individuals.
Fraser has 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.

Fraser, MI Neighborhoods to consider

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

  • Fraser Southwest
  • City Center
  • Fraser West
  • Fraser South

Property Crimes

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

  • Burglary: 0.75 incidents per 1,000
  • Theft: 9.54 incidents per 1,000
  • Motor Vehicle Theft: 1.78 incidents per 1,000

Location Considerations:

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Personal Liability Coverage:

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

Deductibles and Premiums:

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

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.

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

Keep This In Mind

When selecting mobile, manufactured, or pre-fab home insurance in Fraser, MI, it is important to work closely with a knowledgeable insurance professional that can help you identify the risks and tailor a policy that suits your specific needs – find one right here!

Did You Know ?

RV parks in Michigan are subject to local zoning ordinances and may also be regulated by the state's Department of Environmental Quality!

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 Fraser, MI

If you're in the market for a mobile or manufactured home in Fraser, 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 Fraser, 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 Fraser, MI when it comes to manufactured homes and related services.

Kensington Meadows

Kensington Meadows is a highly rated manufactured home community located in Fraser, MI. The community is family-friendly and offers various amenities such as a clubhouse, outdoor pool, basketball court, and playground. They provide nearby shops, restaurants, major highways, and great schools.

Champion Home Builders

Champion Home Builders is a leading manufacturer of manufactured homes serving the Fraser, MI area. They provide high-quality homes that meet the latest building codes, and their designs can be customized to suit your specific needs.

Highland Homes

Highland Homes is another top-rated manufacturer of manufactured homes serving the Fraser, MI area. They offer a wide range of floor plans that can be customized to fit your needs and budget. They are known for their energy-efficient homes that include features like solar panels, appliances and HVAC systems.

All American Homes

All American Homes are custom builders that offer affordable manufactured homes. They pride themselves on building homes with quality standards, energy-efficient and eco-friendly materials, custom features, and a high level of durability and maintenance-free.

American Mobile Home Sales

American Mobile Home Sales is a nationally recognized dealer of manufactured homes serving the Fraser, MI area. They work with various manufacturers and offer a vast selection of homes in a range of styles, sizes, and prices.

Clayton Homes

Clayton Homes is another respected dealer of manufactured homes and offers a wide range of affordable and attractive options for prospective customers in the Fraser, MI area. With their "Built in America" promise, they offer quality homes that provide comfort, durability, and energy efficiency.

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 Fraser, MI

When it comes to mobile home insurance in Fraser, 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 Fraser, 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.

It's also essential to consider additional coverage options like flood insurance, especially if your mobile home is located in a flood-prone area. Working with a reputable insurance provider in Fraser, MI, who specializes in mobile home insurance is advisable. Here are some coverage options to consider bundling together as a part of your mobile/manufactured home insurance policy:

This coverage protects the structure of your manufactured or pre-
fab home in Fraser, MI. It financially safeguards against damages caused by perils such
as fire, storms, vandalism, and more.

Personal property coverage helps protect your
belongings inside your manufactured or pre-fab home in Fraser, MI. It can cover the
cost of repairing or replacing items like furniture, appliances, electronics, and clothing in
case of covered events like theft or fire.

Liability coverage provides financial protection if someone gets
injured on your property in Fraser, MI, and you are held responsible. It covers legal
expenses, medical payments, and potential lawsuits resulting from bodily injury or
property damage.

This coverage becomes essential if your
manufactured or pre-fab home in Fraser, MI becomes temporarily uninhabitable due to
a covered loss. It can help cover the cost of temporary accommodations like a hotel and
meals while your home is being repaired or rebuilt.

Living in Fraser, MI, you might want to consider water
damage coverage, especially if you are at risk of flooding or water-related issues. This
coverage can help protect your home and personal property against damages caused
by burst pipes, leaks, or floods.

Replacement cost coverage is important in Fraser, MI,
as it ensures that you would receive compensation for covered losses based on the
current market value of your manufactured or pre-fab home, without depreciation taken
into account.

If you have an older manufactured or pre-fab home in
Fraser, MI, this coverage can be beneficial. It helps cover the costs associated with
bringing your home up to code following changes in local building ordinances or laws.

Medical payments coverage can assist in paying for
medical expenses of guests who get injured on your property in Fraser, MI, regardless
of who is at fault. This coverage can help prevent lawsuits by providing prompt medical
assistance to the injured party.

Living in an area prone to earthquakes, like Fraser, MI, it might
be wise to consider earthquake coverage. This coverage can help protect your
manufactured or pre-fab home against damages caused by seismic events.

If you have valuable items such as
expensive jewelry, artwork, or collectibles in your Fraser, MI home, scheduled personal
property coverage can provide additional protection beyond the limits of your standard
policy.

If you live in a community with shared spaces or
amenities in Fraser, MI, like a mobile home park, loss assessment coverage can help
cover your portion of shared liability or property damage expenses if the community
faces a loss not covered by their insurance.

  • While not specific to manufactured or pre-fab homes,
    flood insurance may be essential in Fraser, MI, especially if you are located in a flood-
    prone area. Standard home insurance policies don't typically cover flood damage, so
    this additional coverage can provide protection against flood-related losses.

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

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