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

Welcome to Jenison, Michigan- a remarkable place where nature's beauty mingles with a famous sense of community spirit!

Located on the banks of the winding Grand River and snugly nestled in Ottawa County, Jenison, Michigan, is a community that has successfully married the serenity of nature with the vibrancy of modern suburban life. With its rich tapestry of green spaces, historic narratives, and a community that values togetherness, Jenison stands as a testament to the charm of small-town America.

The history of Jenison unfolds with tales of early settlers making their way to this fertile region, captivated by its natural beauty and the promises of the Grand River. As they laid down their roots, they built more than just homes; they established a community ethos that reverberates even today. The influence of these early pioneers is evident in the historic homes and buildings that pepper the town, each narrating a chapter from Jenison's past.

Nature, undeniably, plays a starring role in the allure of Jenison. The Grand River doesn't just define the town's geography; it shapes its soul. Offering myriad recreational opportunities, from tranquil fishing expeditions to invigorating kayaking adventures, the river has cemented its place in the heart of the community. Complementing this is Jenison's patchwork of parks and nature reserves, where residents can immerse themselves in Michigan's seasonal spectacles or simply enjoy a quiet afternoon picnic.

The commitment to education in Jenison mirrors its broader values of growth and community. Schools in the region don't merely focus on academics; they nurture a sense of belonging, encouraging students to be active community members and stewards of the beautiful environment they call home.

Jenison's cultural heart beats with events and gatherings that emphasize its communal ties and rich heritage. Whether it's the annual arts and crafts fair that showcases local artisans or the community concerts that echo with melodies ranging from classic rock to classical symphonies, there's always something happening in Jenison that draws its people together.

For the culinary traveler, Jenison offers a delightful array of dining options. Reflecting its Midwestern roots, many eateries serve up comforting American classics, but a growing international influence means you can just as easily find global flavors to tantalize your taste buds.

An interesting tidbit about Jenison is that, despite its small-town charm, it's remarkably progressive. Over the years, the community has embraced sustainable practices, promoting eco-friendly initiatives and green living, proving that even smaller towns can make significant impacts.

In the grand mosaic of Michigan, Jenison is a charming piece, shimmering with the hues of its natural beauty, historical richness, and an unwavering community spirit. It stands as an invitation to those seeking a blend of peaceful living and engaging community life, all under the protective canopy of Michigan's picturesque skies.

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 Jenison, MI.

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

Weather Risks:

Overview:

Jenison, MI has a higher Tornado Index (165.41) compared to the Michigan average (140.33) and the national U.S. average (136.45). This indicates a heightened vulnerability to tornado events in this area.

 

Historical Data:

The tornado index is derived from historical tornado event data. A higher value signifies a greater probability of tornado occurrences.

 

Current Implications:

Jenison’s elevated tornado index suggests that residents should maintain awareness of potential tornadoes, especially during severe weather warnings.

Overview:

Hail is a significant weather risk for Jenison. Over the years, the region has recorded 558 hail events. Hail can result in property damage, particularly to roofs, cars, and vegetation.

 

Historical Data:

In the past 12 months, the Jenison area has had 2 on-the-ground hail reports by trained spotters. Furthermore, Doppler radar has detected hail near Jenison on 23 occasions, with one of those instances occurring in the last year.

 

Current Implications:

Given the recent severe weather warnings and radar detections of hail, residents should consider protective measures for their vehicles and property when hail is forecasted.

Overview:

Thunderstorm winds, with a recorded count of 1,279 events within 50 miles of Jenison, MI from 1950-2010, are a recurrent weather risk for the area. Such winds can cause property damage, power outages, and even bodily harm.

 

Historical Data:

The large number of thunderstorm wind events over six decades highlights the importance of building infrastructure that can withstand these winds and taking precautions during storm warnings.

 

Current Implications:

The recent forecast indicating chances of showers and thunderstorms means that there’s potential for strong gusts. Residents should secure outdoor items and be cautious when outside.

While these risks are inherent to the region’s climate, residents can mitigate potential damages through awareness and preparedness.

  • Flooding: Historical data suggests flooding events have been recorded, with 143 instances from 1950 to 2010. Residents should be aware of local flood zones and take precautions during heavy rainfalls.
  • Winter Weather: Snowstorms, ice storms, and other winter weather events also pose risks. With events like heavy snow (48 recorded instances) and ice storms (12 instances), it’s essential for residents to be prepared during winter months.
  • Miscellaneous: Other weather events like hail (765 instances), strong winds (36 instances), and minor occurrences of heatwaves, droughts, and dense fog can also impact the area.

Recommended Jenison Neighborhoods:

Top Neighborhoods: 

  • Jenison North
  • Jenison West
  • Bauer
  • Jenison South
  • Town Center

Jenison Rankings:

  • #2 - Most Secure Large Cities in the U.S.
  • #15 - America's Best Cities for a Healthy Retirement
  • #18 - Most Comfortable Summer Cities
  • #19 - Hypertension Hot Spots
  • #19 - Best Cities for Teleworking - Medium Metro Areas

Property Crime Rates in Jenison, MI.

Jenison, Michigan presents a relatively typical crime landscape when compared to the national average, but showcases a brighter picture when paralleled against cities of comparable size. Here's a detailed analysis of the crime data for Jenison:

  •  Jenison has a crime rate of 11 incidents per 1,000 residents. In simpler terms, if you reside in Jenison, your chances of becoming a victim of crime are approximately 1 in 95.
  • Surveying Jenison within the Michigan context, the city fares reasonably well. About 59% of the communities in the state register higher crime rates than Jenison, placing it on the safer side of the scale.
  • An encouraging facet of Jenison’s crime profile emerges when pitted against similarly populated cities. The town appears to be safer than a majority of its counterparts across the U.S., based on NeighborhoodScout’s analysis.

Violent Crime Insights:

  • Severity and Comparison: While Jenison's violent crime rate might be higher than the majority of communities nationwide, the sheer magnitude is relatively lower. Crimes in this category cover offenses like rape, murder, armed robbery, and aggravated assault.
  • Victimization Risk: Residents of Jenison face a 1 in 475 chance of falling prey to a violent crime. Translated to a rate, this stands at 2 incidents per 1,000 inhabitants. Though the risk is present, it remains low, especially when one considers national metrics.

Property Crime Insights:

  • Jenison's property crime rate clocks in at 8 per 1,000 residents.
  • These crimes include burglary, larceny worth $50 or more, grand theft auto, and arson.
  • Interestingly, this rate aligns closely with the national average for cities and towns of all population sizes, making Jenison fairly typical in this regard.

The crime landscape in Jenison, while not devoid of concerns, presents a balanced picture. The town's overall and property crime rates hover around national averages, but it gains a safety edge when compared to similarly sized cities. The relatively lower risk of violent crime further enhances its safety appeal. As always, community vigilance, local law enforcement efforts, and public policy can contribute to maintaining and potentially enhancing this safety profile.

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.

Cancellation Policy:

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Potential Rate Increases:

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Group Discounts:

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

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.

Additional Structures:

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

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 Jenison, MI

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

Allendale Meadows

Address: 11400 Boyne Boulevard, Allendale, MI 49401
All-ages community
Availability: 7 Homes for Sale, Rental
Homes Available, Vacant Sites Available
Pet Policies: See manager for restrictions
Amenities: Playground, clubhouse, swimming pool
Year Built: 1965
Sites: 352
Roof Type: Peaked (90%), Lap Siding (90%)
Distance to water: 1.7 Miles, Distance to golf: 8 Miles, Distance to parks: 4 Miles

Knollwood

Address: 4595 Knollwood Drive, Allendale, MI 49401
All-ages community
Availability: 3 Homes for Sale, Vacant Sites Available
Pet Policies: Contact manager for restrictions
Amenities: Off-street parking, clubhouse
Year Built: 1970
Sites: 161
Roof Type: Peaked (100%), Lap Siding (100%)
Distance to water: 1 Mile, Distance to golf: 7 Miles, Distance to parks: 3 Miles

Brookshire Meadows West

Address: 1501 Port Sheldon Road, Jenison, MI 49428
Age-Restricted (55+) community
Availability: 4 Homes for Sale
Pet Policies: Call for Restrictions
Sidewalks, Street Width: Wide, Street
Type: Paved
Sites: 98
Roof Type: Peaked (100%), Lap Siding (100%)
Distance to water: 0.6 Miles, Distance
to golf: 4 Miles, Distance to parks: 3 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 Jenison, MI

When it comes to getting mobile home insurance in Jenison, 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: If you have a pool or outdoor features, this coverage helps protect the value of these assets and provides liability protection in case of accidents.
  • Reasoning: Jenison has schools. This coverage offers liability protection in case of accidents or injuries that might occur in school zones or due to school-related activities.
  • Reasoning: If you have fences or property boundaries, this coverage helps cover damages to or caused by these structures.
  • Reasoning: If you have a home office, this coverage addresses equipment and liability related to your work space, ensuring you’re covered for business-related needs.
  • Reasoning: If you visit local art galleries or creative spaces with your RV, this coverage offers protection during transit and while parked at these locations in Jenison.
  • Reasoning: Jenison has suburban playgrounds. This coverage offers liability protection in case of accidents or injuries that might occur near playgrounds.
  • 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 Jenison MI, don't hesitate to get a CoverTree quote now.

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