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Protect Your Manufactured Home Kalamazoo, 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 Kalamazoo, MI: Costs, Coverage, and Considerations

Kalamazoo, Michigan has a rich history that dates back to its founding in 1831. The city was originally named "Village of Bronson" after its founder, Titus Bronson, who recorded the original plat at the County Register of Deeds Office. Shortly after its establishment, the village was chosen as the county seat, which led to its rapid growth and development.

However, in 1836, the name of the town was changed to Kalamazoo.

The origin and meaning of the name "Kalamazoo" remain uncertain, but one widely accepted explanation comes from a Potawatomi legend. According to the legend, a man named Fleet Foot had to run from the settlement down the river and back before a pot of water could boil away in order to win his bride. The translations "boiling pot," "boiling water," and "where the water boils" are derived from this legend. Other possible translations include "mirage," "reflecting river," or even "smothered".

Today, Kalamazoo is a vibrant city with a diverse range of attractions and amenities. It is home to the Kalamazoo Promise, which offers college scholarships to students who graduate from Kalamazoo Public Schools. The city also boasts three colleges and universities, nationally recognized healthcare systems, affordable housing options, and numerous parks, lakes, and golf courses. Kalamazoo is known for its thriving craft beer industry, with businesses such as Bell's Brewery leading the way.

Located in southwestern Michigan, Kalamazoo is easily accessible from major highways like I-94 and U.S. 13. It is approximately 136 miles west of Detroit, 73 miles southwest of Lansing, and 145 miles east of Chicago. The city provides a unique blend of urban excitement and a relaxed pace of life, surrounded by beautiful countryside. The downtown area offers a walkable shopping district and a variety of entertainment options, including theaters and live music venues.

Beyond the city limits, Kalamazoo County offers breathtaking natural scenery with opportunities for outdoor activities like hiking, biking, camping, kayaking, and skiing. The region is also home to notable attractions such as the Air Zoo Aerospace and Science Museum and the Gilmore Car Museum, which houses an extensive collection of automobiles. With its combination of cultural offerings, natural beauty, and easy access to outdoor adventures, Kalamazoo provides a well-rounded experience for residents and visitors alike!

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 Kalamazoo, MI

Choosing the right mobile home insurance for Kalamazoo, 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 Kalamazoo, MI

Kalamazoo, MI is exposed to various weather risks that can impact its residents and community. These risks include flooding, heat, wildfires (minor), and severe winds (minimal). Here's a breakdown of the key information:

Kalamazoo faces a moderate risk of flooding over the next 30 years. Currently, 2,531 properties in Kalamazoo have a greater than 26% chance of being severely affected by flooding. This represents 18% of all properties in the area. Flooding not only causes property damage but can also disrupt access to utilities, emergency services, and transportation, impacting the overall economic well-being of the community.
It’s important to note that if a low-likelihood storm resulting in severe flooding (a 1-in-100 year flood event) were to occur today, it could impact 2,470 properties in Kalamazoo. Over the next 30 years, due to a changing environment, an event of the same likelihood could affect 2,586 properties.
Kalamazoo has a moderate risk from heat, mainly due to the increasing “feels like” temperatures. Approximately 89% of homes in Kalamazoo have a Moderate Heat Factor, indicating potential risks related to heat stress and discomfort.
Kalamazoo faces minor risks from wildfires and minimal risks from severe winds. While these risks exist, they are not as prominent as the risks of flooding and heat.

Neighborhoods in Kalamazoo, MI you may want to consider

Safety is a crucial aspect to consider when choosing a neighborhood to live in. Here are some of the safest neighborhoods in Kalamazoo:

These neighborhoods are known for their low crime rates, providing a safe environment for residents and visitors alike.

Property Crimes

Ensuring community safety requires attention to property crime rates. Here are the property crime statistics for Kalamazoo:

In Kalamazoo, property crimes include burglary, theft, and motor vehicle theft. Here are the incident rates per 1,000 population for each category:

These statistics indicate that residents and visitors in Kalamazoo are less likely to experience property crimes compared to the national average.

Consider Additional Coverage

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Compare Deductibles and Premiums:

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Review and Compare Quotes:

Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!

Local Ordinances or Laws:

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly

Policy Expiration and Renewal:

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

Coverage Limits and Sublimits:

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

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 Kalamazoo, 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?

In recent years, manufactured homes have grown in popularity in Michigan as an affordable alternative to traditional stick-built homes, due in part to their lower cost and customizable options.

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 Kalamazoo, MI

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

Schultz Home Center

Schultz Home Center is a local retailer that specializes in manufactured and modular homes. They offer personalized service and a variety of home models to choose from.

Michigan Home Zone

Michigan Home Zone is a local manufactured home dealer in Kalamazoo. They have a diverse selection of pre-owned and new homes and provide assistance with financing options.

Skyline Homes

Skyline Homes is a nationally recognized manufacturer that produces high-quality, customizable manufactured homes. They offer a wide variety of home designs and options to suit different preferences.

Clayton Homes

Clayton Homes is not only a retailer but also a leading manufacturer of manufactured homes. Their homes are known for their durability, energy efficiency, and modern designs.

Champion Home Builders

Champion Home Builders is another reputable manufacturer with a long-standing history in the industry. They focus on building innovative and energy-efficient homes while offering customizable features.

Colonial Acres

Colonial Acres is a manufactured home community located in Kalamazoo. It offers a peaceful and well-maintained environment with various amenities for residents to enjoy.

Meadowlark Village

Meadowlark Village is a manufactured home community in the Kalamazoo area. It provides a range of amenities, such as swimming pools, playgrounds, and community events, while maintaining a friendly and welcoming atmosphere.

Woods Lake Park

Woods Lake Park is a mobile home community situated near Woods Lake in Kalamazoo. It offers waterfront locations and a tranquil setting for residents to enjoy.

Kingsway Estates

Kingsway Estates is another manufactured home community in Kalamazoo. It offers affordable living options and a community-focused environment. These are just a few of the top-rated manufactured home retailers, manufacturers, dealers, and communities in Kalamazoo, 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 Kalamazoo, MI

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

Provides protection for the structure of your manufactured or pre-
fab home, including the walls, roof, floors, and attached structures such as decks or
porches. It covers damage caused by covered perils, such as fire, lightning, windstorm,
or vandalism.

Covers your personal belongings inside the home,
including furniture, appliances, electronics, and clothing. It provides reimbursement for
their repair or replacement in case of damage or loss due to covered perils, such as
theft, fire, or severe weather.

Protects you in case someone is injured on your property or if you
are found responsible for causing damage to someone else's property. Liability
coverage can help cover medical expenses, legal fees, and any judgments or
settlements.

If your manufactured or pre-fab home
becomes uninhabitable due to a covered loss, this coverage can help pay for temporary
living arrangements, such as hotel stays, meals, or rental costs, until your home is
repaired or rebuilt.

Similar to additional living expenses coverage, loss of use
coverage provides financial assistance when your home is deemed uninhabitable due to
a covered loss. It can assist with expenses beyond temporary living arrangements, such
as storage costs for your belongings.

Protects against damage caused by water or sewage

backup into your home. If a sewer line gets clogged or a sump pump fails, water backup
coverage can help cover the cost of cleanup and repairs.

Provides reimbursement for the actual cost of replacing
damaged or destroyed property with a similar new item, without factoring in
depreciation. This can be particularly valuable for personal belongings or the structure
of your home.

Offers additional coverage for high-value or
valuable items such as jewelry, art, antiques, or collectibles that may exceed the limits in
your standard personal property coverage. It ensures these items are adequately
protected.

Specifically covers damage caused by windstorms or
hail, which are common hazards in Kalamazoo, MI. This coverage can help repair or
replace your home or belongings if strong winds or hailstones damage them.

While manufactured or pre-fab homes may be located in flood-prone
areas, be aware that standard homeowners insurance typically doesn't cover flood
damage. Consider purchasing a separate flood insurance policy to protect your home
and belongings from flood-related risks.

Although earthquakes are not as common in Kalamazoo, MI,
you may decide to obtain additional coverage if you want protection against earthquake
damage. Earthquake coverage can help repair or rebuild your home and cover the cost
of personal property damage resulting from an earthquake.

  • If you live in a manufactured home community with
    shared amenities, such as a swimming pool or clubhouse, loss assessment coverage
    can help pay for your share of any assessments levied on residents due to covered
    damage to common areas.
  • Covers the additional costs associated with bringing
    your manufactured or pre-fab home up to current building codes or laws during the
    repair or rebuilding process after a covered loss.
  • Some insurance policies offer optional identity theft coverage,
    which helps cover expenses incurred due to identity theft, such as legal fees or loss of
    income.
    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 Kalamazoo, MI.

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

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