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Protect Your Manufactured Home in Redford, MI.

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

Welcome to Redford, Michigan- a remarkable suburban tapestry of tradition, community, and resilience!

Tucked within the vibrant metropolis of Metro Detroit lies Redford, Michigan, a township that gracefully bridges its historic roots with the aspirations of modern suburban living. Its location, merely a stone's throw from Detroit, gives it a strategic edge, but Redford has always been more than just a satellite to its larger neighbor. With its tapestry of neighborhoods, parks, and a community spirit that’s palpable in its streets, Redford stands tall as a proud testament to Michigan's indomitable spirit.

The origins of Redford trace back to the early 19th century, with its establishment largely driven by farming and local commerce. Over the years, as Detroit burgeoned into a motor city powerhouse, Redford evolved alongside, embracing the tides of change while nurturing its unique identity.

Nature plays a delightful role in the township’s everyday rhythm. Redford's numerous parks, like Claude Allison Park and Bell Creek Park, offer residents pockets of green serenity amid suburban sprawl. These open spaces are not merely visual delights; they are hubs of activity, be it weekend little league games, jogging enthusiasts in the morning, or families enjoying a sunny afternoon picnic.

Culturally, Redford cherishes its history and traditions. The Redford Theatre, an iconic landmark, stands as a beacon of the township's commitment to the arts. With its classic marquees and authentic 1920s vibe, this theatre provides a nostalgic journey into cinema's golden age while showcasing contemporary films and events.

In the culinary realm, Redford offers a mosaic of flavors. Its gastronomy reflects Michigan’s diverse population, with diners and restaurants serving up a melange of American classics, ethnic delights, and contemporary fusions. From hearty breakfast joints to bustling international eateries, there's a plate for every palate in Redford.

An endearing aspect of Redford is its community-centric approach. The township boasts a robust calendar of events, from summer festivals to holiday parades, fostering a sense of unity and celebration among its residents. This focus on community is further exemplified in its schools, libraries, and local organizations, all of which echo Redford's ethos of collective growth and mutual support.

While the journey of Redford, like many of its peers, has seen highs and lows, what remains constant is its resilience. This township has faced challenges, be they economic or social, with a determination that's characteristic of the larger Detroit region. In the heart of Wayne County, Redford, Michigan, emerges as a symbol of suburban promise. It's a place where the echoes of the past harmonize with contemporary cadences, where every neighborhood exudes warmth, and where the spirit of community is not just spoken about but lived daily. For those exploring the multifaceted mosaic of Metro Detroit, Redford serves as a reminder of the enduring charm and potential of suburban 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 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 Redford, MI.

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

Weather Risks:

  • Weather Risk: Redford, along with other counties and cities in southeast Michigan, had a recent tornado watch. While a watch does not necessarily guarantee the occurrence of a tornado, it indicates the potential for severe or damaging weather conditions.
  • Implication: Given the risk associated with tornadoes, including property damage, injury, and potential loss of life, residents of Redford should be well-informed about tornado safety. This includes seeking shelter in a basement or a small, windowless interior room on the lowest level of a house, staying away from windows, and keeping an emergency kit at hand. Furthermore, understanding the difference between a tornado watch and a tornado warning is crucial, with the latter indicating the imminent threat of a tornado.
  • Weather Risk: Redford Township has experienced many severe thunderstorms, evidenced by the incident where a tree crashed through a house due to the storm’s force. Severe thunderstorms can result in damaging winds, large hail, and heavy rain.

 

  • Implication: The risk of property damage from severe thunderstorms is significant. Residents should be proactive in maintaining their property, such as trimming trees, securing outdoor objects, and ensuring that the home’s structure, especially the roof, is resilient against storms. Moreover, it’s essential to stay indoors and away from windows during such severe weather conditions to avoid injury.
  • Weather Risk: Beach hazards bring high wave actions, strong currents, and swamping of piers which can pose risks in the general Michigan area.

 

  • Implication: Residents and visitors in affected areas should avoid swimming and wading in water during such alerts. It’s also advised to stay away from piers, as they can be heavily swamped by waves. Understanding and heeding beach hazard statements can prevent potential drownings and other water-related accidents.

It's evident that while Redford, MI, faces various weather-related risks, being informed, prepared, and adhering to safety guidelines can mitigate the impacts. The "StormReady" status of the previously discussed areas serves as a good example for Redford to continue its weather preparedness efforts.

Recommended Redford Neighborhoods:

Property Crime Rates in Redford, MI.

Redford has a distinctive crime profile that warrants a close look. Analyzing its crime statistics provides insights into the potential safety concerns faced by its residents.

  • Redford’s crime rate, standing at 25 crimes per 1,000 residents, is significantly high. When compared with other American communities, both small and large, it emerges as one of the towns with a pronounced crime issue, even if it doesn’t rank among the very highest.
  • A resident of Redford has a 1 in 40 likelihood of becoming a victim of crime. This statistic places Redford on a concerning pedestal, especially when viewed in a national context.
  • Within Michigan’s boundaries, Redford’s crime rate surpasses a remarkable 90% of other cities and towns, painting a rather alarming picture.
  • When juxtaposed against other towns and cities of comparable population size, Redford’s crime profile stands out. Its crime rate per 1,000 residents is notably higher than many of its peers.

Violent Crime Insights:

Property Crime Insights:

In sum, Redford, Michigan presents a challenging crime scenario. With elevated rates in both violent and property crimes, its residents must exercise caution. The pronounced motor vehicle theft rate further highlights the need for heightened vigilance and security measures. A collaborative approach, involving the community and law enforcement, could help in devising strategies to curb these high crime rates and ensure a safer environment for all.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Review and Compare Policies:

Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.

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.

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.

Evaluate Replacement Cost Coverage:

Look for insurance policies that offer replacement cost coverage for your mobile, manufactured, or pre-fab home. This coverage ensures that you would receive enough compensation to replace damaged or destroyed items with new ones of similar quality, rather than receiving only the depreciated value.

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 Redford, 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 Redford, MI

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

Long's Mobile Home Court

Address: 26530 Plymouth Rd, Redford, MI 48239
Community Type: All Ages Community Community Features: Pets Allowed
(N/A), Sidewalks, Street Width: Average, Street Type: Paved, Age
Restrictions: No
Year Built: 1940
Number of Sites: 65
Homes w/ Peaked Roofs: 20%
Homes w/ Lap Siding: 100%
Distance to water: 7.1 Miles

HollyHomes (Dealer)

Dealer Address: 19760 Scenic Harbour
Dr. Northville, MI 48167
Dealer Type: Mobile Home Dealer
Availability: 34 Homes for Sale

Quality Homes (Dealer)

Dealer Address: Meadow Circle, Wixom, MI 48393
Dealer Type: Mobile Home Dealer
Availability: 9 Homes for Sale

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 Redford, MI

When it comes to getting mobile home insurance in Redford, 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: Redford is a suburban area. This coverage offers liability protection for accidents or injuries that might occur on your suburban property.
  • Reasoning: Redford 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: Parking conditions can vary in suburban areas. This coverage addresses potential damages or accidents specific to street parking in a suburban environment.
  • Reasoning: Redford hosts community events. This coverage offers liability protection in case of accidents or injuries that might occur while attending or participating in these events.
  • Reasoning: If your property is part of a community association, this coverage addresses damages to shared areas or structures within the association.
  • Reasoning: Redford might have local green spaces. This coverage offers liability protection in case of accidents or injuries that might occur while visiting or using these areas.
  • 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 Redford MI, don't hesitate to get a CoverTree quote now.

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