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Protecting Your Manufactured Home in Harrison Township, MI.

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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 Harrison Township, MI: Costs, Coverage, and Considerations

Welcome to Harrison Township, Michigan -– where serenity by the waterside meets historic elegance & tranquility!

Nestled along the pristine shores of Lake St. Clair, Harrison Township is a jewel in the crown of Michigan's Macomb County. With a deep-rooted history that reverberates through its picturesque streets and a lakeside charm that offers a tranquility hard to find in bustling urban spaces, Harrison Township is a harmonious blend of the past's richness and the present's vibrancy.

The township's history is a tale interwoven with the early settlers' dreams and the transformative role of Lake St. Clair. Established in the early 19th century, Harrison Township quickly burgeoned as a focal point for trade, fishing, and recreation, with the lake serving as both a sustainer and an inspirer. Today, historic homes and sites stand as silent witnesses to this bygone era, offering glimpses into the lives and aspirations of those who laid the township's foundations.

Nature, particularly in its aquatic avatar, plays a pivotal role in the life and spirit of Harrison Township. Lake St. Clair, often referred to as the "Heart of the Great Lakes," isn't just a geographical landmark but the very lifeblood of the community. Whether it's boating under a cerulean sky, fishing on tranquil waters, or simply basking in the lakeside's serenity, the lake's allure is omnipresent.

Education holds a place of pride in Harrison Township. The schools, renowned for fostering a nurturing environment, ensure that the township's youth receive a holistic education, blending academic rigor with values of community, respect, and environmental stewardship.

Culture and community are intertwined in Harrison Township. Year-round events, from lakeside music festivals to historic home tours, echo the township's commitment to celebrating its heritage while fostering communal bonds. The annual Aquafest, a celebration of the township's nautical legacy, encapsulates this spirit, drawing both residents and visitors for days filled with fun, music, and camaraderie.

When it comes to culinary delights, Harrison Township offers a palette that's as diverse as it is delectable. Seafood, naturally, is a staple, with eateries serving up the freshest catches from Lake St. Clair. However, the township's dining landscape is vast, encompassing global cuisines, ensuring that there's something to satiate every gastronomic adventurer.

An intriguing fact about Harrison Township is its moniker "BoatTown U.S.A.", a testament to its rich nautical heritage and the pivotal role of boating in the community's life and economy.

In the grand tapestry of Michigan, Harrison Township emerges as a serene yet spirited enclave, where the echoes of history meet the melodies of modern life. For those seeking a destination that offers the tranquility of lakeside living combined with a rich cultural heartbeat, Harrison Township, Michigan, awaits with its waterside embrace and stories waiting to be discovered.

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 Harrison Township, MI.

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

Weather Risks:

  • Harrison Township Tornado Index: 131.35
  • Michigan State Average: 140.33
  • U.S. Average: 136.45
  • Observation: Harrison Township has a slightly lower tornado risk compared to the state and national averages, but the difference is marginal, indicating a significant tornado risk.
  • Thunderstorm Winds: 1,287 incidents (highest occurrence)
  • Hail: 608 incidents
  • Flood: 121 incidents
  • Heavy Snow: 43 incidents
  • Strong Wind: 34 incidents
  • Observation: Thunderstorm winds are by far the most frequent severe weather event, followed by hail.
  • Areas in Michigan, including Harrison, experienced significant wind damage.
  • Various parts of SE Michigan, including areas near Harrison Township, reported large hail sizes, with some being as big as tennis balls.
  • Wind gusts reached up to 62 mph in Detroit.
  • Observation: Harrison Township is susceptible to severe thunderstorms that can bring strong winds and large hail.
  • Michigan experienced 7 tornadoes in 2023, with an annual average of 16 tornadoes for the state.
  • There’s an advisory against swimming near or jumping off piers and breakwaters on windy days due to dangerous currents, especially along the Lake Michigan beaches.
  • Rainfall in the next week is expected to be more significant in areas like the East, South, Ohio Valley, and some parts of the West. However, most of Texas and Oklahoma will remain hot and dry.
  • Temperatures in the coming days are expected to be warmer than average across the U.S.

In conclusion, residents of Harrison Township, MI, should be particularly vigilant about thunderstorm warnings, given the high incidence of wind and hail events. It's also essential to heed tornado warnings when they arise, given the area's tornado index. Proper precautions and awareness can significantly reduce the risks associated with these weather events.

Recommended Creek Neighborhoods:

Property Crime Rates in Harrison Township, MI.

Harrison Township, situated in Michigan, presents a varied landscape when evaluated through the lens of crime rates. The township, like many others, deals with both property and violent crimes. Here's a breakdown of the crime statistics for Harrison Township:

  • With 10 incidents per 1,000 residents, Harrison Township’s crime rate aligns closely with the national average, spanning communities of all sizes across the U.S.
  • Residents of Harrison Township face a 1 in 104 chance of encountering crime.
  • Within the Michigan state framework, Harrison Township’s crime rate is lower than about 46% of other communities. This positions it towards the middle spectrum in terms of safety.
  • When juxtaposed with cities of a similar population size, Harrison Township shines a bit brighter. Its crime rate is considerably lower than the average for comparably sized cities, making it relatively safer than most.

Violent Crime Insights:

Property Crime Insights:

Harrison Township, MI, reveals a contrasting crime scenario. While its overall and property crime rates are favorable, especially when compared to similar-sized communities, the violent crime rate warrants attention. Such insights can help residents and local authorities make informed decisions, reinforcing community vigilance and improving safety measures. The data also suggests that while general safety is commendable, targeted efforts might be needed to address violent crimes.

Manufactured Home Insurance Coverage:

CoverTree offers insurance coverage specifically designed for manufactured homes in Michigan. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

Claims Process and Customer Service:

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

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.

Check Customer Reviews:

Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.

Talk to an Insurance Agent:

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

Research Insurance Providers:

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

Keep in Mind

By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Sterling Heights, MI that provides adequate protection for your valuable investment. 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 ?

Efforts have been made to strengthen regulations for mobile home park residents in Michigan, including proposals for one-year leases and licensing regulations for park owners!

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 or Community in Harrison Township, MI

When looking for a manufactured home dealer or manufacturer in Creek, MI, there are several reputable options to consider.

Willow Point

Address: 43400 Lenfesty Drive, Harrison Township, MI 48045
All-ages community
Photos available
Availability: 3 Homes for Sale, Rental
Homes Available
Pet Policies: No Aggressive Breeds Allowed
Amenities: Playground, clubhouse
Year Built: 1965
Sites: 284
Roof Type: Peaked
Siding Type: Lap
Distance to water: 1.3 Miles
Distance to golf: 1 Mile
Distance to parks: 1 Mile

Blue Sky Mobile Home Village

Address: 36530 Jefferson Avenue, Harrison Township, MI 48045
All-ages community
Photos available
Year Built: 1935
Sites: 132
Distance to water: 0.1 Miles
Distance to golf: 1 Mile
Distance to parks: 2 Miles

Lakeside Trailer Park

Address: 27860 Hickler Lane, Harrison Township, MI 48045
All-ages community
Photos available
Sidewalks present
Street Width: Narrow
Sites: 24
Distance to water: 0.1 Miles
Distance to golf: 1 Mile
Distance to parks: 2 Miles

Remember to reach out directly to each dealer or manufacturer to inquire about the availability of specific home models, customization options, and prices. It is also recommended to visit their websites or contact them for more detailed information and assistance in finding the right manufactured home for your needs.

Finding the Best Mobile Home Insurance in Harrison Township, MI

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

  • Reasoning: Harrison Township is known for its waterfront properties. This coverage offers liability protection for accidents or injuries that might occur near water bodies.
  • Reasoning: Living near water, this coverage protects water-based equipment like boats, jet skis, or kayaks, ensuring your gear is covered against damages and theft.
  • Reasoning: Coastal properties can face erosion risks. This coverage helps address damages due to beachfront erosion or property-related challenges.
  • Reasoning: Harrison Township has marinas. This coverage offers liability protection in case of accidents or injuries that might occur while visiting or operating in marina areas.
  • Reasoning: Coastal areas might be prone to flooding. This coverage addresses damages caused by flooding, offering protection in flood-prone regions.
  • Reasoning: If you have a dock or pier on your waterfront property, this coverage offers liability protection in case of accidents or injuries occurring near these structures.
  • Additional Replacement Cost Coverage
  • Debris Removal
  • Trees, Shrubs, and Other Plants
  • Fire Department Service Charge
  • Credit Card, Fund Transfer Card Forgery, and Counterfeit Money
  • Ordinance and Law Coverage
  • Personal Property Endorsements
  • Water Backup and Sump Pump Overflow
  • Flood Insurance

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

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