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Protecting Your Manufactured Home in Portage, 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 Portage, MI: Costs, Coverage, and Considerations

Welcome to Portage, Michigan - an amazing mosaic of lakes, legacy, and lively endeavors!

Nestled amidst a landscape dotted with lakes and wetlands, Portage, Michigan, stands as a shining example of Midwestern charm married to progressive dynamism. Located just south of Kalamazoo, this city, with its harmonious blend of nature, culture, and community spirit, has carved a unique identity in the vast tapestry of the Wolverine State.

The origins of Portage trace back to its Native American inhabitants who traversed its waterways, using the region as a "portage" or carrying place between water bodies. This historical nuance, emphasizing connection and passage, continues to influence the ethos of the city even today.

Nature has, undoubtedly, been one of Portage's most bounteous benefactors. The city is home to a plethora of lakes, such as Austin Lake and West Lake, which provide residents and visitors with myriad recreational opportunities. From tranquil boat rides at sunset to invigorating morning fishing sessions, the lakes of Portage are both an escape and an adventure. The city's extensive trail system, such as the Portage Creek Bicentennial Park Trail, offers miles of pathways for walking, biking, and soaking in the beauty of the Michigan outdoors.

Culturally, Portage is a melting pot. It benefits from its proximity to Kalamazoo, drawing upon the larger city's educational and artistic resources. Yet, Portage has its own distinctive cultural footprint. The Air Zoo, with its impressive collection of historical aircraft and interactive exhibits, offers a captivating dive into aviation history. The Celery Flats Historical Area is another gem, transporting visitors back in time with its restored buildings and interpretive displays.

In terms of culinary experiences, Portage satiates a spectrum of tastes. Its dining scene reflects a confluence of traditional Midwestern flavors, global cuisines, and contemporary culinary innovations. The city's eateries, ranging from cozy cafes to elegant restaurants, resonate with the community's welcoming spirit.

An interesting facet of Portage is its dedication to progress while preserving the past. The city boasts a robust business environment, housing several multinational corporations and fostering a climate of innovation. Yet, in the midst of this modernity, Portage remains committed to environmental stewardship, with initiatives aimed at conserving its wetlands and natural habitats. In the heart of Michigan, Portage emerges as a city of contrasts and cohesion. It's where the stillness of lakes complements the buzz of progress, where history intertwines with the present, and where every street, trail, and waterway has a tale to tell. For those seeking a harmonious blend of nature and nurture, Portage, Michigan, stands as a testament to the beauty of balanced living.

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 size and year of your mobile home
  • Upgrades made to your mobile home
  • The value of your personal property
  • Property crime rates in the area
  • Your chosen mobile home community or park
  • Weather events specific to the region
  • Whether or not you smoke

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:

  • Installing extra security measures to reduce the risk of burglary
  • Making home improvements, such as adding insulation to prevent pipes from freezing

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 Portage, MI.

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

Weather Risks:

  • Weather Risk: With a tornado index of 191.65, which is above both the Michigan and U.S. averages, Portage, MI is at a relatively higher risk of experiencing tornado events.
  • Implication: The above-average tornado index means that Portage residents and businesses should have robust emergency preparedness measures in place. This includes maintaining safe shelter areas, routinely practicing tornado drills, ensuring buildings comply with wind-resistant construction standards, and having reliable means of receiving tornado warnings such as through the “StormReady” certification.
  • Weather Risk: There have been a total of 5,251 recorded instances of thunderstorm winds within 50 miles of the Kalamazoo, Portage Area between 1950 and 2010.

 

  • Implication: Such frequent occurrences of thunderstorm winds suggest potential for property damage, downed trees and power lines, and power outages. Residents should ensure their properties are safeguarded against strong winds by trimming tree branches that might pose a threat, securing outdoor furniture, and reinforcing roofs and windows. Additionally, they should keep an emergency kit ready with essential supplies in case of power outages.
    • Weather Risk: With 575 flood events recorded within 50 miles of the Kalamazoo, Portage Area from 1950 to 2010, flooding appears to be another significant concern for the area.
  •  
  • Implication: The frequent occurrence of flood events implies potential risks to property, disruption in transportation, and possible health hazards due to contaminated water. It’s vital for Portage residents to be aware of their flood zone status, have a flood emergency plan in place, keep valuables elevated, and consider flood insurance. Also, the city’s infrastructure and urban planning must emphasize effective water drainage and flood control mechanisms.

While Portage, MI has been certified as "StormReady," which is commendable, these risks underline the importance of continued vigilance and preparedness in the face of changing weather patterns and potential natural disasters.

Recommended Portage Neighborhoods:

  • Ramona Park
  • Portage Southwest
  • West Portage North
  • Portage South
  • City Center
  • West Portage
  • Crossroad Park East
  • Woodbridge Hills
  • Crossroad Park
  • Crossroad Park Northeast

Property Crime Rates in Portage, MI.

Portage presents some concerning crime statistics that are noteworthy. By dissecting its crime figures, one can better understand the nature of safety concerns the city's residents may face.

  •  Portage’s crime rate is quite elevated, registering at 38 crimes for every 1,000 residents. When benchmarked against communities across the U.S., irrespective of size, this rate positions Portage towards the higher end of the spectrum.
  •  Individuals residing in Portage face a 1 in 26 probability of becoming a crime victim, a relatively high likelihood when contrasted against many other places in the U.S.
  • When viewed in the Michigan context, Portage’s crime rate emerges as especially worrisome. It surpasses a significant 96% of other communities in the state.
  • Pitting Portage against other cities of a similar population size accentuates its crime-related challenges. Its crime rate per 1,000 residents is higher than a majority of its peers.

Violent Crime Insights:

  • Violent Crime Rate: Violent crimes in Portage, such as armed robbery, aggravated assault, rape, and murder, occur at a frequency that exceeds most U.S. communities, regardless of size. The risk of becoming a victim of violent crime in Portage is 1 in 332, translating to a rate of 3 per 1,000 residents.

Property Crime Insights:

  • Property Crime Rate: Portage's property crime scenario is also a cause for concern. The crimes analyzed under this umbrella include burglary, larceny exceeding fifty dollars, motor vehicle theft, and arson. A resident of Portage faces a 1 in 29 chance of encountering property crime, with the rate being 35 per 1,000 individuals.
  • Motor Vehicle Theft: A standout aspect of Portage's crime scene is its notably high motor vehicle theft rate. This rate is one of the highest in the U.S., spanning communities of all sizes. Specifically, a resident's risk of having their vehicle stolen in Portage is as high as 1 in 270.

To encapsulate, the crime landscape in Portage, Michigan, is concerning. The city not only has an elevated overall crime rate, but its violent and property crime rates also stand out as especially high. The statistics on motor vehicle theft further underscore the need for heightened security and vigilance in the area. Residents and local authorities would benefit from collaborative efforts to bolster safety measures and community initiatives to curb these trends and create a more secure environment.

Manufactured Home-Specific Coverage:

When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.

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!

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.

Location Considerations:

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Check Availability of all Applicable Discounts:

Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!

Talk to an Insurance Agent:

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

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 Sterling 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 ?

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.

Mobile Homes program

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 Manufactured Housing Commission

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.

Coastal Property Insurance Pool

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.

Know your rights!

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?

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.

Finding A Manufactured Home or Community in Portage, MI

When looking for a manufactured home dealer or manufacturer in Portage, MI, there are several reputable options to consider.

Colonial Acres

Address: 5374 E. Deadwood Drive, Portage, MI 49002
Community Type: All Ages Community
Availability: Tour this Park, Preferred Date options available
Community Features: Pets Allowed (Contact Community for Details), Off-Street Parking, Playground, Clubhouse, Sidewalks, Street Width: Average,
Street Type: Paved
Year Built: 1968
Number of Sites: 612
Multisection Homes: 10%
Homes w/ Peaked Roofs: 20%
Homes w/ Lap Siding: 95%
Distance to water: 1.8 Miles
Amenities: Boat/RV Storage

Oak Brook Estates

Address: 7200 Lovers Lane, Portage, MI 49002
Community Type: Age-Restricted (55+) Community
Availability: Tour this Park, Preferred Date options available
Community Features: Pets Allowed (Under 15 lbs; no aggressive breeds), Off-Street Parking, Street Width: Average, Street Type: Paved, Age
Restrictions: Yes - Senior Community
Year Built: 1989
Number of Sites: 134
Multisection Homes: 90%
Homes w/ Peaked Roofs: 100%
Homes w/ Lap Siding: 100%
Distance to water: 1.4 Miles

Portage Terrace Mobile Home Park

Address: 11247 Portage Road, Portage, MI 49002
Community Type: All Ages Community Availability: Tour this Park, Preferred Date options available
Community Features: Pets Allowed (No vicious breeds), Off-Street Parking,
Street Width: Average, Street Type: Paved, Age Restrictions: No
Year Built: 1960
Number of Sites: 81
Multisection Homes: 25%
Homes w/ Peaked Roofs: 25%
Homes w/ Lap Siding: 25%
Distance to water: 0.4 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 Portage, MI

When it comes to getting mobile home insurance in Portage, 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: Portage is near several lakes, including West Lake and Austin Lake. This coverage offers liability protection for accidents or injuries that might occur on your lakefront property.
  • Reasoning: With access to lakes, there might be water-based activities. This coverage offers liability protection if accidents occur during lake-based activities.
  • Reasoning: Portage has parks and recreational areas. This coverage offers liability protection in case of accidents or injuries that might occur while using local parks and facilities.
  • Reasoning: Coastal properties can face erosion risks. This coverage helps address damages due to erosion or property-related challenges near the lakes.
  • Reasoning: Being in a lakefront area, this coverage addresses damages to property infrastructure due to unique factors like water exposure.
  • Reasoning: If you use community centers, this coverage offers liability protection in case of accidents or injuries that might occur in common areas or due to community center activities.
  • 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 Portage MI, don't hesitate to get a CoverTree quote now.

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