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Protect Your Manufactured Home in Orion Township, MI.

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A Guide to Mobile Home Insurance in Orion Township, MI: Costs, Coverage, and Considerations

Welcome to Orion Township, Michigan - a land of natural beauty and strong community spirit!

Nestled in the heart of Oakland County lies Orion Township, Michigan, a locale where the allure of nature seamlessly intertwines with the warmth of community ties. Its picturesque landscapes, rich history, and the unyielding spirit of its residents make Orion Township a gem within the Great Lakes State.

Orion Township's roots run deep, with its history tracing back to the early 19th century. As the township evolved, it managed to preserve its natural splendors while accommodating the ebb and flow of modernization. Today, it stands as a harmonious blend of past and present, tradition and innovation.

The township is often hailed as a haven for nature lovers. With vast stretches of verdant parks, serene lakes, and winding trails, Orion Township is a testament to Michigan's unparalleled natural beauty. The renowned Bald Mountain Recreation Area, spanning several thousand acres, beckons outdoor enthusiasts with its pristine terrains, diverse wildlife, and recreational facilities. Similarly, Lake Orion, often referred to as the 'Gem of Oakland County,' offers residents and visitors a resplendent spot for boating, fishing, and lakeside relaxation.

Yet, the allure of Orion Township isn't limited to its natural wonders. The community has cultivated a robust cultural and social scene. Events like the annual Dragon on the Lake festival celebrate not only the township's artistic talents but also its communal bonds. Streets come alive with music, art installations, boat races, and the shared joy of residents.

Orion Township's culinary palette is as diverse and vibrant as its populace. From cozy cafes that remind one of a bygone era to contemporary eateries that serve global cuisines, there's a gustatory delight awaiting every food enthusiast.

The township's commitment to preserving its history is evident in landmarks like the Orion Historical Society Museum. Here, visitors can journey through time, discovering artifacts, stories, and milestones that have shaped the community's unique identity. A lesser-known but fascinating aspect of Orion Township is its deep-rooted connection to literature. Renowned American author and journalist, John Bellairs, known for his gothic mystery novels, once called this place home, adding a touch of literary legacy to the township's tapestry.

In the grand narrative of Michigan, Orion Township shines as a locale that celebrates its natural endowments while continuously fostering a sense of community and belonging. It's a place where the echoes of the past enrich the present, and where every sunset over Lake Orion promises a brighter tomorrow. For those seeking a harmonious blend of nature, history, and community, Orion Township, Michigan, awaits with myriad tales and treasures.

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 Orion Township, MI.

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

Weather Risks:

Orion Township’s Experience: The township was notably affected by what was termed the “Evergreen Storm”. This straight line wind storm resulted in significant infrastructure damage, with the Lake Orion area facing the brunt of its impact. Over 2,000-3,000 trees were uprooted, leading to major disruptions and power outages.

 

Implications:

  • Infrastructure Disruption: The storm caused power outages for 36,000 DTE Energy customers. Over 300 power lines were downed, along with about 15 telephone poles.
  • Property Damage: Numerous houses suffered extensive damage, with the Building Department tagging seven as uninhabitable. Areas like the Evergreen Cemetery lost many trees, affecting the aesthetic and historical value of the township.
  • Safety & Preparedness Concerns: Despite the rapid onset of the storm, no injuries were reported. However, the event highlighted the need for enhanced alert systems, as many residents felt unprepared or unaware.

Orion Township’s Experience: Orion Township experienced significant flooding after intense rainfalls. The deluge, which saw 6 to 8 inches of rain in about an hour, overwhelmed the local storm drainage system.

 

Implications:

  • Infrastructure Challenges: Major roadways, such as M-24 North, were submerged and had to be shut down for extended periods, disrupting local transportation.
  • Property & Safety Risks: The volume of water rushing down roads led to structural damage in homes, especially in basements. Residents resorted to makeshift solutions, like constructing temporary dams, to manage the flooding.
  • Emergency Response: The severity of the flooding event led Orion Township to declare a state of emergency, signaling the need for external support and assistance.

Orion Township’s Experience: With a tornado index of 199.07, Lake Orion, and by extension, Orion Township, faces a significantly higher risk of tornadoes compared to both the state of Michigan and the U.S. average.

 

Implications:

  • Structural Vulnerability: Given the damage caused by straight-line winds, the potential impact of a tornado could be even more devastating. Infrastructure, homes, and businesses would be at significant risk.
  • Community Readiness: The elevated tornado index underscores the importance of community-wide preparedness initiatives, ensuring that residents are informed, trained, and equipped to respond to tornado threats.
  • Collaboration & Monitoring: Close collaboration with meteorological services, like the National Weather Service, can provide timely insights into potential tornado threats and guide response strategies.

Orion Township's geographical setting subjects it to a unique set of weather-related challenges. Proactive measures, robust infrastructure maintenance, and community awareness campaigns are pivotal in mitigating the risks and ensuring the safety of its residents.

Recommended Orion Township Neighborhoods:

Property Crime Rates in Orion Township, MI.

Lake Orion, nestled in Orion Township, Michigan, presents an intriguing picture when it comes to crime. By analyzing the details, we can get a clearer understanding of its safety profile in relation to national, state, and similarly sized community benchmarks.

  • At 7 crimes per 1,000 residents, Lake Orion’s crime rate is commendably low. This places it below the average crime rate of many American communities and makes it safer than 67% of them.
  • Residing in Lake Orion, one has a 1 in 152 chance of encountering a crime. This is a relatively positive statistic compared to many areas.
  • When juxtaposed with other Michigan locales, Lake Orion’s crime rate is lower than approximately 63% of the state’s cities and towns, highlighting its relative safety within the state.
  • When the crime rate of Lake Orion is measured against communities of comparable population sizes across the U.S., it stands out for its lower-than-average rate. Based on the exclusive analysis of FBI crime data by NeighborhoodScout, Lake Orion is demonstrably safer than the majority of similarly sized cities.

Violent Crime Insights:

Property Crime Insights:

To sum up, Lake Orion (Orion Township), Michigan, boasts a favorable crime profile when contrasted with both the broader U.S. landscape and similarly populated areas. The most striking feature is its low overall crime rate, particularly in relation to property crimes. While the rate of violent crimes is consistent with national averages, the property crime rate is appreciably lower. As with any community, remaining vigilant and proactive can only enhance Lake Orion's safety credentials further.

Mitigation Measures:

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

Underwriting Process:

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.

Exclusions and Limitations:

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

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.

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 Orion Township, 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.

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 or Community in Orion Township, MI

When looking for a manufactured home dealer or community in Orion Township, MI, there are several reputable options to consider.

College Heights

Address: 3501 Auburn Road, Auburn Hills, MI 48326
Community Type: All Ages Community
Availability: 5 Homes for Sale, Vacant Sites Available
Community Features: Playground, Clubhouse, Sidewalks, Swimming Pool
Year Built: 1965
Number of Sites: 161
Multisection Homes: 5%
Homes w/ Peaked Roofs: 10%
Homes w/ Lap Siding: 5%
Distance to water: 1.7 Miles
Distance to golf: 3 Miles
Distance to parks: 2 Miles

Orion Lakes

Address: 47 Bluebird Hill, Orion, MI 48359
Community Type: All Ages Community
Availability: 8 Homes for Sale, Rental Homes Available, Vacant Sites Available
Community Features: Playground, Sidewalks
Year Built: 1950
Number of Sites: 423
Multisection Homes: 40%
Homes w/ Peaked Roofs: 45%
Homes w/ Lap Siding: 40%
Distance to water: 1.2 Miles
Distance to golf: 2 Miles
Distance to parks: 3 Miles

Sheffield Estates

Address: 165 South Opdyke Road, Auburn Hills, MI 48326
Community Type: All Ages Community
Availability: 1 Home for Sale, Vacant Sites Available
Community Features: Playground, Clubhouse, Sidewalks, Swimming Pool
Year Built: 1986
Number of Sites: 228
Multisection Homes: 75%
Homes w/ Peaked Roofs: 100%
Homes w/ Lap Siding: 100%
Distance to water: 0.5 Miles
Distance to golf: 2 Miles
Distance to parks: 1 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 Orion Township, MI

When it comes to getting mobile home insurance in Orion Township, 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: Orion Township has parks and recreational areas. This coverage offers liability protection in case of accidents or injuries that might occur while using local parks.
  • Reasoning: In rural areas, you might have specific equipment storage needs. This coverage helps protect equipment stored on your property.
  • Reasoning: Orion Township might host outdoor events. This coverage offers liability protection in case of accidents or injuries that might occur while attending or hosting such events.
  • Reasoning: Rural areas can have encounters with wildlife. This coverage addresses damages caused by animals and protects your property from wildlife-related risks.
  • Reasoning: If you have outdoor recreational equipment, like ATVs or boats, this coverage helps protect these assets from damages or theft.
  • Reasoning: Navigating rural roads can have specific challenges. This coverage addresses potential damages from collisions that might occur due to road conditions in Orion Township.
  • 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 Orion Township MI, don't hesitate to get a CoverTree quote now.

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