CoverTree Secures $13 Million in Series A Funding to Revolutionize Manufactured Home Insurance Read More
Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Port Huron, MI.

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 Port Huron, MI: Costs, Coverage, and Considerations

A Guide to Mobile Home Insurance in Port Huron, MI: Costs, Coverage, and Considerations

Welcome to Port Huron, Michigan – Michigan’s Harbor of history, natural beauty, and waterfront wonders!

Cradled at the meeting point of the St. Clair River and Lake Huron, Port Huron, Michigan, stands as a testament to the state’s maritime legacy, vibrant culture, and boundless natural beauty. As the seat of St. Clair County, this waterfront city has long been a gateway between the United States and Canada, and its narrative is richly imbued with tales of trade, transport, and transnational ties.

Founded in the early 19th century, Port Huron’s position at the base of the Blue Water Bridge—the conduit between Michigan and the Canadian province of Ontario—has deeply influenced its history. The city swiftly became a hub for commerce, shipbuilding, and transportation, with steamships, sailboats, and railway lines weaving a tapestry of progress and prosperity.

Nature’s bounty is evident throughout Port Huron. The shimmering expanse of Lake Huron, with its azure waves and breezy shores, has always been the city’s crowning glory. Beaches like Lakeside Park offer residents and visitors serene spots for relaxation, sunbathing, and watersports. The St. Clair River, with its bustling riverfront, is not just a vital waterway but also a recreational hub, where annual boat races and fishing tournaments draw enthusiasts from near and far.

Port Huron’s cultural landscape is as vivid as its natural one. The city’s rich maritime history is meticulously chronicled at the Port Huron Museum, where artifacts, exhibits, and tales of yore take visitors on a voyage through time. The iconic Fort Gratiot Lighthouse, the state’s oldest lighthouse, stands tall as a beacon of Port Huron’s enduring spirit and offers panoramic views of the surrounding waters.

For the epicurean traveler, Port Huron delights with a medley of flavors. Its dining scene, influenced by its waterfront locale, offers everything from fresh catch seafood delicacies to traditional American fare. The city’s proximity to Canada also introduces a delightful melding of cuisines, resulting in a gastronomic adventure for the discerning palate.

A fascinating tidbit about Port Huron involves the revered inventor, Thomas Edison. While Edison was born in Ohio, he spent his formative years in Port Huron, and the city is often credited with sparking his insatiable curiosity. Today, the Thomas Edison Depot Museum stands in homage to the inventor, showcasing his early experiments and innovations.

Port Huron’s tapestry is woven with threads of history, commerce, culture, and natural splendor. It’s a city that celebrates its past, revels in its present, and looks forward to its future with optimism. For those yearning for a blend of maritime magic, historical exploration, and waterfront wonders, Port Huron, Michigan, beckons with its unique charm and myriad tales of the Great Lakes.

Understanding Mobile Home Insurance in Michigan.

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 location of your mobile home, particularly the zip code in Michigan, is a significant factor.

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 Port Huron, MI.

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

Choosing the Right Mobile Home Insurance for Port Huron, MI.

Weather Risks:

  • Impact: The weather outlook from the National Weather Service indicates that there are possibilities of thunderstorms with associated risks like heavy rainfall, lightning, and wind gusts.
  • Implications:
    • Public Awareness: Residents should be updated with real-time weather information and advised on safe practices during storms.
    • Infrastructure Preparedness: Ensure drains and stormwater systems are clear and functional to deal with potential heavy rainfall.
    • Emergency Services: Ensure services are on standby for potential incidents and to assist residents as required.

  • Impact: Port Huron has a significant risk of flooding, affecting a substantial percentage of properties, roads, commercial areas, infrastructure facilities, and social facilities.
  • Breakdown:
    • Residential: Over a third of homes (3,579 out of 9,656) are at major risk.
    • Roads: 69% of the roads (132 out of 191 miles) have a significant risk of flooding, which can disrupt transportation and access.
    • Commercial Properties: Almost half (295 out of 627) are at severe risk, indicating potential economic impacts.
    • Critical Infrastructure: Almost a third (9 out of 29) of these facilities face a severe flood risk, which can lead to disruptions in essential services.
    • Social Facilities: Over half (22 out of 40) are under severe risk, impacting the community’s social services and gatherings.
  • Implications:
    • Urban Planning and Infrastructure: Implement flood barriers, retention basins, and effective stormwater management systems. Reevaluate construction in flood-prone areas.
    • Public Awareness and Preparedness: Engage the community in flood awareness campaigns and drills. Encourage property owners to consider flood insurance.
    • Emergency Response: Ensure emergency services are equipped and trained to respond to flooding scenarios, including water rescues.
    • Economic Considerations: Businesses, especially those in severely affected areas, should have contingency plans for potential flood events.

Recommended Port Huron Neighborhoods:

  • Port Huron West
  • Port Huron Northwest
  • Port Huron North
  • Keewahdin
  • Tappan
  • Pine Grove Park
  • South Park
  • Port Huron Northeast
  • Kearney St / 12th Ave
  • White St / 20th St

Property Crime Rates in Port Huron, MI.

Property Crime Rates in Port Huron, MI.

Port Huron, situated in Michigan, has a distinctive crime profile that offers critical insights into its safety dynamics when contrasted against national, state, and similarly sized community standards.

Port Huron, with its 27 crimes per 1,000 residents, exceeds the national average crime rate. Even so, it doesn’t find itself among the highest crime-ridden localities.

A resident of Port Huron has a 1 in 37 likelihood of falling victim to a crime. This indicates a relatively elevated risk when juxtaposed against many other U.S. locales.

In the broader Michigan context, Port Huron’s crime scene appears more unsettling. It outstrips an alarming 92% of the other cities and towns in the state, irrespective of their size.

When benchmarked against towns of similar population size, Port Huron’s crime rate, which encompasses both violent and property crimes, emerges as substantially higher than most. This means that, among its peers, Port Huron leans towards the less safe end of the spectrum.

Violent Crime Insights:

Violent Crime Insights:

  • Violent Crime Rate: Port Huron’s violent crime rate is markedly high, spanning across communities of all sizes in the U.S. This rate envelops grave offenses like rape, murder and non-negligent manslaughter, armed robbery, and aggravated assault.
  • Chance of Being a Victim: The probability for a Port Huron resident to become a victim of a violent crime stands at 1 in 126, marking a substantial risk in contrast to many other U.S. locations.

Property Crime Insights:

Property Crime Insights:

  • Property Crime Rate: With a rate of 19 per 1,000 residents, Port Huron’s property crime landscape also raises concerns. When compared to all other U.S. towns and cities, irrespective of size, Port Huron places its residents at an above-average risk for property crimes.
  • Chance of Being a Victim: The offenses falling under property crimes in Port Huron include motor vehicle theft, arson, larceny, and burglary. Here, residents face a 1 in 53 chance of being at the receiving end of one of these offenses.

In summary, Port Huron, Michigan, presents significant crime-related challenges, both in terms of violent and property offenses. Both the overall and violent crime rates stand notably higher than national averages, especially when compared to communities of similar size. While property crime also remains a concern, the violent crime statistics warrant special attention. For residents and local authorities, these data points emphasize the importance of community-led initiatives and preventive measures to build a safer environment.

We do insurance better. And here’s how.

We do insurance better. And here’s how.

  • Save an average of $250 per year
  • File a claim in 3 minutes
  • Easily manage your policy online
  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

Are you in  Port Huron, MI, looking for mobile home insurance?

Seek Professional Advice:

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

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.

Look Over the Details:

Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

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.

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.

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 Port Huron, 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!

Michigan Mobile Home Resources Mobile Homes in MI.

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 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

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.

Additional Relief

Finding the Best Mobile Home Insurance in Port Huron, MI

Finding the Best Mobile Home Insurance in Port Huron, MI

When it comes to getting mobile home insurance in Port Huron, 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:

Significance: Some areas in Port Huron might be prone to flooding. This coverage addresses damages caused by flooding, offering protection in flood-prone regions.

Significance: Michigan weather can be unpredictable. This coverage specifically addresses potential damages caused by hail and severe storms, which can affect RVs and manufactured homes alike.

Significance: Setting up and anchoring mobile homes can pose risks. This coverage helps cover damages that occur during the installation process, ensuring your mobile home is properly protected.

Significance: If you use your RV seasonally, this rider might offer a discount during the months when you’re not using your RV extensively.

Significance: If you frequent local campgrounds, this coverage offers liability protection in case someone is injured while visiting your RV at a campground in Port Huron

Significance: RVs often have various attachments. This coverage addresses damages or theft of these attachments, ensuring your RV remains fully functional.

  • 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

CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

Copyright © 2022 CoverTree Inc. All rights reserved