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.
Welcome to Rochester Hills, MI – Named as one of the best cities to live in the United States, Rochester Hills, MI offers a charming and vibrant Midwestern lifestyle just 30 miles north of Detroit. This small community, with its cute neighborhoods, delicious restaurants, apple orchards, and cider mills, is the epitome of a perfect Midwest city. Whether you’re exploring the past at the Rochester Hills Museum at Van Hoosen Farm or enjoying the scenic beauty of the Clinton River and the city’s numerous parks, Rochester Hills has something for everyone.
Education is top-notch in Rochester Hills, with excellent K-12 schools and renowned institutions like Oakland University and Rochester University. The low crime rate, friendly neighbors, and diverse housing options make this city even more alluring. With major industries such as manufacturing, healthcare, retail, and educational services, along with prominent employers like Oakland and Rochester universities and Ascension Providence Rochester Hospital, there are plenty of opportunities for career growth. The weather in Rochester Hills brings chilly winters and pleasant summers, allowing residents to enjoy the beauty of all seasons. When it comes to outdoor activities, Rochester Hills truly shines. From exploring Spencer Park and its stunning lake views to taking a hike through the glowing concrete trail in Innovation Hills, there’s no shortage of ways to enjoy the great outdoors. If you’re a remote worker, Rochester Hills is remote-ready and perfect for a tight-knit community. Along with lakeside living perks, like spending a leisurely afternoon at Thelma Spencer Park or Innovation Hills, you’ll find a supportive community that will keep you connected and engaged.
Locals in Rochester Hills have their favorite spots and activities too. The public library is a haven for book lovers, offering a next-level experience. Yates Cider Mill is a must-visit, especially if you’re in the mood for a scoop from the Ice Cream Shoppe. For some free fun, explore the picturesque trails at Innovation Hills. And when it’s time for happy hour, grab a slice of pizza and a beer at Hamlin Pub.
Rochester Hills also has its hidden gems known only to the locals. The Festival of the Hills, an annual event filled with music, family fun, food, and fireworks, is a cherished tradition that brings the community together. With its unique charm, excellent schools, and friendly residents, Rochester Hills truly shines as one of the best places to live in Michigan. The real estate market here offers serene, green streets of suburban housing, with a wide variety of architectural styles to choose from. Whether you’re a young professional or a growing family, Rochester Hills provides ample space and value for all. If you’re thinking of moving to Rochester Hills, you’ll find a city that embraces its history, offers a plethora of attractions, and provides endless opportunities for outdoor activities. With Rochester College and Oakland University in the area, higher education is easily accessible. Come and experience the charm, warmth, and opportunities that Rochester Hills, MI has to offer. It may just be the perfect place to call home.
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.
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 Rochester Hills, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:
Rochester Hills, MI, faces a risk of wildfire that may impact properties and various aspects of the community. Understanding the risks and taking appropriate measures can enhance preparedness and safety.
If personal safety is a top priority, the following neighborhoods in Rochester Hills are considered the safest:
Addressing property crime rates is essential to ensuring community security. Here are the current property crime statistics for Rochester Hills:
Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.
Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.
In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.
Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements
Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.
Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.
By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Rochester Hills, 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!
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 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 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.
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.
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.
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.
When it comes to mobile home insurance in Rochester Hills, 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.
When it comes to mobile home insurance in Rochester Hills, 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 Rochester Hills, 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:
Mobile Home Coverage: Specialized coverage designed specifically for mobile homes
in Rochester Hills, providing protection against common perils such as fire, windstorms,
lightning, and other hazards prevalent in the area.
Personal Property Coverage: Coverage for your personal belongings inside the
mobile home, including furniture, appliances, electronics, clothing, and other
possessions, safeguarding them from damage or theft.
Detached Structures Coverage: Protection for structures detached from your mobile
home, such as sheds, garages, and fences, against covered perils in Rochester Hills.
Loss of Use Coverage: Coverage for additional living expenses if your mobile home
becomes uninhabitable due to a covered peril, offering funds for hotel stays, meals, and
other essentials while repairs are being carried out.
Trip Collision Coverage: This unique coverage is specific to mobile homes and
provides protection while your home is in transit, whether moving to a new location or
during seasonal relocation.
Emergency Removal Coverage: Coverage to help cover the costs of moving your
mobile home to safety if it's in imminent danger from a covered peril, such as a wildfire
or flood.
Trip Interruption Coverage: If your mobile home is damaged due to a covered peril
during a trip, this coverage provides reimbursement for additional expenses, such as
lodging and transportation.
Windstorm and Hail Coverage: Given Rochester Hills; weather patterns, this coverage
can offer additional protection against wind and hail-related damages.
Flood Insurance: As parts of Rochester Hills are located near bodies of water, consider
obtaining a separate flood insurance policy through the National Flood Insurance
Program (NFIP) to protect your mobile home against flood damage.
Replacement Cost Coverage: Ensures that your mobile home and belongings are
replaced at current market prices without accounting for depreciation after a covered
loss.
Debris Removal Coverage: Coverage to help with the cost of removing debris after a
covered loss, ensuring your property is cleared safely and efficiently.
Personal Liability Coverage: Protection in case of bodily injury or property damage to
others for which you are legally responsible while on your Rochester Hills property.
Medical Payments to Others: Coverage for medical expenses if someone is injured on
your Rochester Hills property, regardless of fault, to prevent potential lawsuits.
Emergency Repairs Coverage: Coverage to help with the cost of emergency repairs
to prevent further damage to your mobile home after a covered loss.
Extended Coverage for Custom Features: If your mobile home has custom features
or upgrades, consider extended coverage to protect those unique additions.
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 Rochester Hills, MI.
References:
