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.
Welcome to Madison Heights, MI, a city where hometown charm meets the excitement of a vibrant community. Whether you’re a long-time resident or considering moving to our beautiful city, there’s something truly special about Madison Heights that captures the hearts of all who call it home. Nestled in the heart of Oakland County, Madison Heights offers the perfect balance between suburban tranquility and urban accessibility. Our city’s prime location allows for easy access to the bustling downtown districts of Detroit while providing a peaceful retreat away from the fast pace of the big city. For those seeking a strong sense of community, Madison Heights delivers with open arms. Our residents embrace the values of unity, camaraderie, and pride, creating a warm and welcoming environment that fosters lasting connections. Whether you’re attending community events at our local parks, browsing the shops at the bustling commercial centers, or cheering on our dedicated sports teams, you’ll feel a sense of belonging.
You’ll also discover a range of recreational opportunities to suit every interest. Enjoy a leisurely stroll through the tranquil parks and nature trails, perfect for unwinding after a long day or embracing the beauty of the changing seasons. For sports enthusiasts, Madison Heights offers well-maintained athletic fields, providing a space for friendly competition and the chance to cheer on our local teams.
Madison Heights cherishes its rich cultural heritage with a variety of events and festivals that celebrate our diversity. From cultural parades to art exhibitions, there’s always something exciting happening that brings the community together, fostering a sense of togetherness and mutual respect.
In Madison Heights, you’ll find a place where neighbors become friends and memories are created to last a lifetime. Whether you’re enjoying a quiet evening at one of our local parks, engaging in community activities, or simply savoring the local flavors, you’ll soon realize why Madison Heights is a place that captures the hearts of all who experience its charm.
Welcome home to Madison Heights, MI – a community where your dreams can truly thrive and your bonds with others are cherished!
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.
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.
Madison Heights, MI, like many other towns, has several weather risks that can impact its residents and the local community. These risks include flooding, wildfires (minor), severe winds (minimal), and heat (moderate). Here's a breakdown of the key information
Safety is a crucial aspect to consider when choosing a neighborhood to live in. Here are some of the safest neighborhoods in Madison Heights
The neighborhoods are known for their low crime rates, providing a safe environment for all.
Maintaining community safety also requires attention to property crime rates. Here are the property crime statistics for Madison Heights:
In Madison Heights, property crimes include burglary, theft, and motor vehicle theft. Here are the incident rates per 1,000 population for each category:
While Madison Heights has a comparatively low rate of property crime, residents and visitors should still be aware of the potential risks and take appropriate measures to safeguard their belongings and property.
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!
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.
It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.
The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.
CoverTree offers insurance coverage specifically designed for manufactured homes in XXX state. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.
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.
By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Madison 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!
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 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 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.
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.
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.
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.
When it comes to mobile home insurance in Madison Heights, 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.
Here are some coverage options to consider bundling together as a part of your mobile/manufactured home insurance policy:
Provides coverage for physical damage to the structure of your
home caused by covered perils such as fire, hail, windstorms, lightning strikes, and
falling objects.
Covers the cost of repairing or replacing personal
possessions such as furniture, electronics, clothing, and appliances if they are damaged
or destroyed by a covered peril.
Protects you financially if someone is injured on your property or
suffers damage to their property as a result of your actions or negligence.
Covers the medical expenses of someone who is injured
while on your property, regardless of who is at fault.
Covers damage caused by flooding, which is not typically covered by
standard homeowners insurance policies. This is especially important for residents
living in the flood-prone areas of Madison Heights, MI.
Provides coverage for damage caused by seismic activity,
which is generally not included in standard homeowners insurance policies.
Critical coverage for homeowners in Madison Heights, MI,
where high winds can cause significant damage to manufactured or pre-fab homes.
Replaces damaged or destroyed items with new items
of like kind and quality, without factoring in depreciation.
Provides additional coverage for expensive
items such as high-end electronics, jewelry, or artwork that may exceed the limits of
your standard personal property coverage.
Provides financial assistance if you are unable to live in your
home due to covered damages.
Covers the additional costs of rebuilding or repairing
your home to meet updated building codes.
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