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Protect Your Manufactured Home in Holland, MI

Covertree’s Comprehensive Guide.

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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 Holland, MI: Costs, Coverage, and Considerations

Holland, MI - community and beauty converge in a place that offers a unique blend of charm, beauty, and a strong sense of community.

Founded in 1847 by Dutch immigrants, Holland embraces and celebrates its heritage to this day. The town's Dutch roots are deeply ingrained in its traditions, architecture, and annual festivals. From the iconic windmill towering over Windmill Island Gardens to the charming Dutch Village, Holland gives residents and visitors alike a taste of Dutch culture right here in the heart of Michigan.

This picturesque city is an oasis of natural beauty, boasting a string of beaches, preserves, and historic towns, each more beautiful than the last. Springtime in Holland is celebrated with the blooming of millions of tulips, and autumn brings a bountiful harvest of fruit.

You can spend your days exploring Dutch attractions, browsing downtown shops, biking to the beach, enjoying lakeside concerts, or hitting one of the best farmers’ markets in the state. At night, you can unwind with craft beer and waterfront dining. Holland’s history is preserved and celebrated in its Dutch architecture, food, and festivals.

You can visit the DeZwaan Windmill, Veldheer Tulip Farm, and Nelis’ Dutch Village for a taste of the Netherlands right here in Michigan. You can also take tours of historic sites and view the Dutch art collection at the Holland Museum. When it comes to downtown fun, there's something for everyone, with whimsical pocket parks, beautifully restored architecture, and a creative collection of boutiques, breweries, bistros, and restaurants. Holland's diverse activities make it worth visiting all year round.

When you explore the Lake Michigan shoreline, you'll discover more than just a freshwater wonder but also 1,500 hectares of parks and trails that meander through marshlands, wooded glens, and towering dunes. You can go sailing, kayaking, Jet Skiing, or fish for your dinner, or rent a bike and enjoy the 240 kilometers of paved bike paths or head off-road for hiking, mountain biking, and fat tire adventures.

No matter what season it is in Holland, Michigan, you'll undoubtedly be making lasting memories.

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 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 Holland, MI.

Choosing the right mobile home insurance for Holland, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

Weather Risks in Grosse Pointe Woods, MI

Weather-related events play a significant role in determining the risk of wildfires in Holland, MI. Here are some key points to consider in order to keep yourself informed about the nature of wildfires:

  • The type of fuels that feed a fire can impact its intensity and spread. Dry grass can catch fire and spread quickly, while dense vegetation areas with treetop canopies can lead to extremely intense fires that cast embers miles away.
Factors such as electric transmission lines, areas prone to lightning, and historical data help identify locations where human-caused fires are more likely to occur.
The surface features of the land, including mountains, hills, and creeks, along with weather conditions, determine how fires spread. Fires generally climb uphill, and intense winds can carry embers further, increasing the speed of fire spread.

While considering these weather-related factors, it is crucial to understand that wildfires risks are changing due to the environment. Higher temperatures and drier conditions create conditions prime for wildfires to spread.

Neighborhoods in Holland, MI: Places to Call Home

Holland, MI is home to several neighborhoods known for their safety and community well-being. Those seeking a secure living environment will find the following neighborhoods to be among the safest in Holland:

These neighborhoods provide residents with peace of mind and a sense of security, making them highly desirable places to call home in Holland.

Property Crimes

In terms of property crime rates, Holland, MI has a relatively low risk. The chances of becoming a victim of a property crime in Holland are 1 in 71, as compared to the national average of 1 in 72. The property crime rate is calculated based on incidents of burglary, theft, and motor vehicle theft per 1,000 people.

In the population of 34,024, the property crime statistics in Holland stand as follows:

With a property crime rate of 1.12 per 1,000 people, Holland emphasizes the importance of maintaining community security and takes steps to ensure the well-being of its residents.

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.

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.

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!

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.

Keep This 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 Holland, 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?

RV owners in Michigan may need specialized insurance coverage that includes protection for the vehicle's contents and liability for injuries or accidents that occur while the RV is being used as a temporary residence.

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.

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 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.

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.

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?

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 Holland, MI

If you're in the market for a mobile or manufactured home in Holland, 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 Holland, MI. Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this 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 Holland, MI when it comes to manufactured homes and related services.

Pine Creek Estates

Located at 1634 120th Ave, Holland, MI, Pine Creek Estates is a popular choice for those seeking manufactured home communities in the area. The community prides itself on its natural setting, amenities such as a clubhouse, a pool, and a playground.

Hidden Creek Community

Also located in Holland, MI, at 5244 136th Avenue, Hidden Creek Community is another well-regarded manufactured home community in the area. The community offers a host of amenities, including a fitness center, a clubhouse, and recreational areas.

Sun Homes

Sun Homes is an experienced manufactured home dealer, offering a range of manufactured homes for sale in Holland, MI. They offer a wide variety of floor plans and options to choose from, and are known for their excellent customer service.

Lighthouse Mobile Home Sales

With over 30 years of experience, Lighthouse Mobile Home Sales is a well-established and reputable dealer of manufactured homes in Holland, MI. They offer an extensive inventory of single and double-wide homes.

Brockman Real Estate

Brockman Real Estate is a local dealer that offers both new and pre-owned manufactured homes in Holland, MI. They aim to help customers find a manufactured home that matches their budget and lifestyle.

Clayton Homes

Clayton Homes is one of the largest retailers of manufactured homes in the country. They are known for their quality construction and energy-efficient homes, and have dealerships located in several areas across the United States, including Holland, MI.

Palm Harbor Homes

With over forty-five years of experience, Palm Harbor Homes is a well-respected manufacturer and retailer of manufactured homes. They offer a wide variety of floor plans to fit any budget, and have many locations across the United States.

Champion Homes

Champion Homes is a leading manufacturer and retailer of manufactured homes. They have earned a reputation for their quality manufacturing and customer service. They offer a variety of home styles and floor plans that are customizable to fit each customer’s needs.

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 Holland, MI

When it comes to mobile home insurance in Holland, 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 Holland, 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:

This coverage protects the structure of your manufactured or pre-
fabricated home from covered perils such as fire, lightning, hail, windstorm, and other
named perils. It typically covers the cost of repairing or rebuilding the home in case of
damage or destruction.

This coverage provides protection for your personal
belongings inside the manufactured or pre-fabricated home. It includes furniture,
appliances, electronics, clothing, and other personal items. It helps cover the cost of
repairing or replacing these items in case of damage or loss due to covered perils.

Liability coverage protects you if someone is injured on your
property or if you accidentally cause damage to someone else's property. It can help
cover medical expenses, legal fees, and other costs associated with a liability claim.

If your manufactured or pre-fabricated home
becomes uninhabitable due to a covered loss, this coverage helps with additional living
expenses while your home is being repaired or rebuilt. It can cover costs such as
temporary housing, meals, and other necessary expenses.

Loss of use coverage provides financial protection if you are
unable to live in your manufactured or pre-fabricated home due to a covered loss. It can
help cover costs associated with temporary housing, meals, and other related
expenses.

This coverage helps pay for medical expenses if a
visitor gets injured on your property, regardless of who is at fault. It can cover costs such
as medical bills, ambulance fees, and certain other medical expenses.

Due to Holland, MI's proximity to Lake Michigan and the potential for
heavy rainfall, it's important to consider obtaining separate flood insurance coverage.
Flood insurance helps protect your manufactured or pre-fabricated home and
belongings from damage caused by flooding.

Although earthquakes may not be common in Holland, MI, it's

worth considering earthquake insurance to protect your home from potential damage
caused by seismic activity. This coverage can help with the cost of repairing or
rebuilding your home in the event of an earthquake.

This coverage helps protect against damage caused by
sewer or drain backups. It covers the cost of cleanup and repairs if sewage backs up
into your manufactured or pre-fabricated home, damaging your belongings or the
structure itself.

Consider a personal liability umbrella policy to
provide additional liability coverage beyond the limits of your standard liability insurance.
Umbrella coverage can offer extra financial protection in case of a catastrophic event or
a lawsuit that exceeds the liability limits of your other policies.

Inquire about available discounts specific to manufactured or pre-fab
homes in Holland, 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 Holland, MI.

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

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