Any questions?
(877) 417-8733

Manage Payments
Get covered

Protecting Your Manufactured Home in Grosse Pointe Woods, 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 Grosse Pointe Woods, MI: Costs, Coverage, and Considerations

Welcome to Grosse Pointe Woods, Michigan – a city steeped in history, community spirit, and breathtaking lakeside beauty.

Founded originally as the Village of Lochmoor in 1927, the city underwent transformational changes before it blossomed into what is known today as Grosse Pointe Woods. It was in 1939 that the Village of Lochmoor embraced its new identity as the Village of Grosse Pointe Woods. The journey from village to a full-fledged Home Rule City was completed in 1950, ensuring that Grosse Pointe Woods took charge of its destiny with its own governing charter. Today, the city stretches over a serene 3.28 square miles, offering its residents a harmonious blend of suburban peace and easy access to modern conveniences.

Governance in Grosse Pointe Woods is a testament to the strength of democracy and community involvement. Operating under a Council-Manager government system, the City Charter divides the responsibilities efficiently between policy-making and administrative roles, mirroring the structured organization of a corporate business. But it's the residents who remain at the helm. Every four years, they delegate their authority to a chosen few, electing representatives who will uphold the well-being of the community. This City Council, including the mayor and six council members, bears the responsibility of crafting policies and ordinances that ensure the safety and welfare of every citizen.

In shaping the city's future, the Council doesn't stand alone. Numerous advisory boards and commissions offer their expertise and insight. With 15 distinct boards in operation, Grosse Pointe Woods ensures that community engagement isn't merely limited to voting. Residents passionately contribute to policy-making, reviewing community concerns and ensuring that local regulations serve the collective good. The dedication of these commission and board members doesn't go unnoticed. Mayor Arthur W. Bryant holds these selfless citizens in high regard, regularly celebrating their invaluable contributions which make Grosse Pointe Woods one of the nation's most cherished communities.

Yet, the heart and soul of the city, perhaps, is the breathtaking Lake Front Park. Stretching across 55 acres, this park provides a green haven against the backdrop of the stunning Lake St. Clair. Notably, it houses Michigan's largest outdoor swimming complex. This picturesque site has a history of its own. Acquired in 1948, the land was once owned by Eleanor Clay Ford and was purchased by the city following a vote by its residents. A unique arrangement ensures that while the park lies in the jurisdiction of St. Clair Shores, it remains an integral part of Grosse Pointe Woods' identity, showcasing the collaborative spirit of Michigan's communities.

In Grosse Pointe Woods, you'll find more than just a city – you'll discover a community bonded by history, driven by civic pride, and enriched by natural beauty. Whether you're a long-time resident or a first-time visitor, Grosse Pointe Woods promises a warm welcome and a memorable stay.

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 Grosse Pointe Woods, MI.

When shopping for mobile home insurance in Grosse Pointe Woods, MI, it's important to consider several factors. Here are the key points to keep in mind:

Weather Risks in Grosse Pointe Woods, MI

Due to the town's proximity to Lake St. Clair, there is an increased risk of flooding. Be sure to find an insurance provider that offers flood coverage as part of their policy. Additionally, Michigan is no stranger to extreme weather conditions such as blizzards, hailstorms, and heavy winds. Your insurance provider should offer protection against these natural disasters.

Grosse Pointe Woods experiences a notable risk of flooding over the next 30 years. Approximately 67% of all properties in the city, totaling 138 properties, have a greater than 26% chance of being severely affected by flooding. These flood events can lead to property damage, utility disruptions, and impact emergency services and transportation. Grosse Pointe Woods has a moderate risk of flooding over the next 30 years, indicating that flooding is likely to impact day-to-day life within the community.
Grosse Pointe Woods faces the potential impact of a changing environment on flood risks. While deeper floods from major events like hurricanes are less likely, they can affect more properties compared to shallower flood events like heavy rains. As the environment changes, events of various kinds are expected to impact more properties within the community.
Grosse Pointe Woods has minor risks from wildfires, minimal risks from severe winds, and moderate risks from heat. While these risks exist, they are not as prominent as flooding.

Grosse Pointe Woods, MI Neighborhoods to consider

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

  • Grosse Pointe Woods East
  • Grosse Pointe Woods South
  • Grosse Pointe Woods Southwest
  • City Center

Property Crimes

In terms of property crimes, Grosse Pointe Woods reports rates per 1,000 population as follows:

  • Burglary: 0.61 incidents per 1,000
  • Theft: 7.32 incidents per 1,000
  • Motor Vehicle Theft: 1.17 incidents per 1,000

Review and Compare Policies:

Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

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!

Review the Claims Process:

Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.

Get Some Quotes:

Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.

Look Over the Details:

Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.

Keep This In Mind

choosing the right insurance is an important decision to protect your home and belongings. Take your time, gather information, and carefully assess each option before making a final decision. 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 ?

In Michigan, separate insurance policies may be required for the structure of the home, personal property, liability, and other coverage!

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.

    • Finding A Manufactured Home in Grosse Pointe Woods, MI

    Here are some of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Grosse Pointe Woods, MI:

    Oakwood Housing Center

    Oakwood Housing Center specializes in manufactured and modular homes. They have a showroom in Belleville, MI, which is within a reasonable driving distance from Grosse Pointe Woods and offers a variety of home options.

    Champion Homes

    Champion Homes is a prominent manufacturer of manufactured and modular homes. They offer a range of customizable home designs and have a strong reputation for quality construction and customer satisfaction.

    Skyline Champion

    Skyline Champion is a leading manufacturer of factory-built homes, including manufactured and modular homes. They offer a diverse selection of home styles, sizes, and customization options to suit various needs and preferences.

    Pleasant Valley Homes

    Pleasant Valley Homes is a reputable manufactured home dealer serving the Grosse Pointe Woods area. They offer a variety of floor plans and customization options, allowing customers to create their ideal home.

    Crest Homes

    Crest Homes is a respected dealer of manufactured homes in Michigan. They have a knowledgeable team that can assist with finding the right home and guide you through the purchasing process.

    Eton Crossing

    Eton Crossing is a well-maintained manufactured home community in Grosse Pointe Woods. It offers a peaceful and comfortable living environment with amenities such as community spaces, walking trails, and convenient access to nearby attractions.

    Lafayette Place

    Lafayette Place is another desirable manufactured home community in Grosse Pointe Woods. It provides a range of amenities, including common areas, organized activities, and a friendly community atmosphere.

    When considering purchasing a manufactured home, it's advisable to visit the dealerships and communities mentioned above to get a sense of the available homes and assess the amenities and features that best suit your needs. Additionally, it's a good idea to consult with local real estate professionals for further guidance and assistance in finding the right manufactured home in Grosse Pointe Woods, MI.

    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 Grosse Pointe Woods, MI

    When it comes to getting mobile home insurance in Grosse Pointe Woods, understanding the different coverage options is essential to ensure your precious investment is well protected. Let's take a friendly look at the types of coverage available:

    This covers the physical structure of your manufactured or
    prefab home in the event of damage from covered perils such as fire, windstorm,
    or vandalism.

    Protects your personal belongings inside the
    home, including furniture, appliances, and electronics. Make sure to choose
    coverage that adequately covers the full value of your belongings.

    Covers structures separate from your home, such
    as sheds, detached garages, or fences. This coverage is usually a percentage of
    the dwelling coverage amount.

    If your home becomes uninhabitable
    due to a covered loss, this coverage helps with additional expenses like
    temporary accommodation, meals, and transportation.

    Protects you if someone is injured on your property and you
    are found legally responsible. This coverage can also offer protection in case of
    property damage caused by you or a family member.

    Covers medical expenses if a guest gets injured on
    your property, regardless of fault. This coverage can help prevent out-of-pocket
    expenses or potential lawsuits.

    If your home becomes temporarily uninhabitable and
    you need to live elsewhere, this coverage helps cover the additional living
    expenses, including hotel bills and meals.

    Given the proximity to Lake St. Clair and the risk of flooding,
    it's essential to consider purchasing a separate flood insurance policy. Standard
    homeowners insurance typically does not cover flood damage.

    Although earthquakes are less common in Michigan, it's
    worth considering earthquake coverage as a precaution, especially if you want to
    have complete protection against all potential risks.

    This coverage ensures that you have enough
    coverage to rebuild your home even if the cost exceeds the policy's limit. It can
    be beneficial due to potential increases in construction costs.

    This coverage helps cover the costs of upgrades
    required by building codes or ordinances when repairing or rebuilding your home
    after a covered loss.
    Remember to review these coverages with multiple insurance providers to find the best
    policy and coverage options for your specific manufactured or prefab home in Grosse
    Pointe Woods, MI.
    Also, you must remember that it's important to speak with an insurance agent who
    specializes in manufactured or prefab home insurance in Grosse Pointe Woods, MI, to
    determine the specific coverages and ordinances that apply to your situation. They can
    provide personalized recommendations based on your home's location, value, and other
    factors.

    Now that you've got the lowdown on mobile home insurance coverage in Grosse Pointe Woods, MI, don't hesitate to get a CoverTree quote in Grosse Pointe Woods now. Just click here to stay protected and worry-free!

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

    References: 

    Understand

    Choose

    Facts

    Communities

    CoverTree Favicon

    (877) 417-8733

    team@covertree.com

    Facebook Twitter Instagram Linkedin
    Click here

    Services

    Company

    Click here

    CoverTree operates in CA as MHTree Insurance Services

    CA license # 6009070

    Michigan Chamber of Commerce Logo
    BBB - Accredited Business
    Green Business Bureau Logo
    Manufactured Housing Institute Member logo

    CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

    Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

    Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

    Copyright © 2022 CoverTree Inc. All rights reserved

    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 team@covertree.com.

    Please complete your address to get a quote