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Protect Your Manufactured Home In Madison Heights, 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 Madison Heights, MI: Costs, Coverage, and Considerations

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!

Understanding Mobile Home Insurance in Michigan.

Mobile home insurance in Michigan typically ranges from $300 to $1,000 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 Madison Heights, MI

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:

Weather Risks in Madison Heights:

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

Madison Heights has a moderate risk of flooding over the next 30 years. There are 1,236 properties (27% of all properties) in Madison Heights that have a greater than 26% chance of being severely affected by flooding. Flooding can cut off access to utilities, emergency services, and transportation, impacting the overall economic well-being of the area.If a low-likelihood storm resulting in severe flooding (a 1-in-100 year flood event) were to occur today, it could affect 1,144 properties. Over the next 30 years, due to a changing environment, an event of the same likelihood could affect 1,323 properties.
Lansing faces minor risks from wildfires and minimal risks from severe winds. While these risks exist, they are not as prominent as the risk of flooding.

By understanding these environmental risks, the community can better prepare and develop strategies to mitigate the impact and ensure the safety of its residents and property.

Madison Heights, MI Neighborhoods 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 Madison Heights:

The neighborhoods are known for their low crime rates, providing a safe environment for all.

Property Crime Rates in Madison Heights, MI:

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.

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.

Insurance Company Reputation

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.

Home Value

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.

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.

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 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!

Did You Know?

Regulations for manufactured housing in Michigan include requirements for installation and setup, construction standards, fire resistance, and ventilation.

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

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 Madison Heights, MI

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

Clayton Homes of Troy

A well-known dealer of pre-fab and manufactured homes offering an extensive range of floor plans and styles. They also offer easy financing options and warranties on their homes.

HomeFirst Sales

One of the most reputed retailers of manufactured homes in Michigan, HomeFirst Sales in Madison Heights boasts a diverse and high-quality selection of homes.

Home Depot

For the do-it-yourselfers, Home Depot is a great option for finding container homes, tiny homes, and pre-fab homes for sale. The company's wide selection is available at their store in Madison Heights.

Champion Homes

A leading manufacturer of modular and mobile homes, Champion Homes ensures high-quality construction, energy efficiency, and innovative designs.

Skyline Homes

With a reputation for superior craftsmanship and energy-efficient prefab and manufactured homes, Skyline Homes is a popular choice for buyers looking for a range of styles and options.

Clayton Homes

One of the largest manufacturers of manufactured homes, Clayton Homes offers high-quality homes with energy-saving features and customization options to suit buyers' unique needs and preferences.

Madison Meadows

Located in Madison Heights, MI, Madison Meadows is a well- designed, professionally managed manufactured home community offering 3 bedroom homes with a range of amenities, including a clubhouse, playground, and more.

Colonial Village Estates in Farmington Hills

This community offers affordable, attractive single and multi-section homes in beautiful, natural surroundings with on-site management and maintenance.

Wellington Estates

A family-friendly manufactured home community in Taylor, MI, Wellington Estates features personal yards, quality homes, and a range of amenities, including a community center, playground, and pool.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


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.


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 Madison Heights, MI

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.

Mobile homes require specific insurance coverage tailored to their unique characteristics and vulnerabilities. In Madison Heights, 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 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.

  • Covers damage caused while transporting your
    mobile home to its new location or during set-up, including damage to the home's
    exterior or internal features during the moving process.
  • Inquire about available discounts specific to manufactured or pre-fab
    homes in Madison Heights, 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 Madison Heights, MI.

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

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