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

Welcome to Royal Oak, Michigan- a town where heritage intersects with modernity in harmonious splendor!

Set against the dynamic backdrop of southeastern Michigan, Royal Oak emerges as a vibrant blend of historical richness and contemporary flair. Located just a stone's throw from Detroit, this city has carved its unique niche, effortlessly melding the charm of the past with the vivacity of the present, becoming a beloved destination for residents and visitors alike.

The seeds of Royal Oak's history were sown in the early 19th century, named after a legendary oak tree reminiscent of the one under which King Charles II of England took refuge from enemies. Over time, the city has transformed, growing from a sleepy rural enclave to a bustling urban hub, with each era leaving indelible marks on its landscape and culture.

Nature thrives in Royal Oak, making it an urban oasis in the midst of Michigan’s vast metropolitan areas. The renowned Detroit Zoo, with its extensive array of species and commitment to conservation, calls Royal Oak home, inviting visitors to marvel at the wonders of the natural world. City parks, such as the Cummingston and Starr Jaycee, offer verdant retreats for relaxation and recreation, emphasizing Royal Oak's dedication to green spaces.

Cultural vibrancy is palpable in Royal Oak's streets. The city's thriving downtown area buzzes with energy, featuring an eclectic mix of boutiques, eateries, and entertainment venues. From the timeless Royal Oak Music Theatre, which has hosted countless iconic performances, to the annual Arts, Beats & Eats festival that celebrates local talents and flavors, Royal Oak is a haven for arts and culture enthusiasts.

Culinary enthusiasts find a paradise in Royal Oak. The city’s gastronomic landscape is a reflection of Michigan's melting pot, offering a medley of tastes ranging from classic American comfort foods to global delicacies. Whether it's a historic diner or a trendy rooftop bistro, every meal in Royal Oak promises an experience to savor.

Royal Oak's commitment to community well-being and holistic development shines through in its educational institutions and public amenities. The Royal Oak Neighborhood Schools system, with its emphasis on nurturing every student's potential, and the Royal Oak Public Library, a hub for knowledge and community engagement, underscore the city's dedication to fostering a well-rounded community.

An often-overlooked fact about Royal Oak is its deep-rooted connection to the world of broadcasting. The city was once home to the iconic WXYZ radio station, which birthed the legendary characters of The Lone Ranger and The Green Hornet. In essence, Royal Oak stands as a testament to what a city can achieve when it respects its roots while embracing the winds of change. It represents a harmonious coexistence of tradition and innovation, nature and urbanity, and community and individuality. For anyone seeking to immerse themselves in the essence of southeastern Michigan, Royal Oak is a destination that promises rich experiences and cherished memories.

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 Royal Oak, MI.

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

Weather Risks:

  • Weather Risk: The data indicates that Royal Oak has experienced a significant number of thunderstorm wind events, with 1,971 incidents recorded within a 50-mile radius from 1950 to 2010. This makes thunderstorm winds the most common weather extreme for the region.

 

  • Implication: Thunderstorm winds can cause considerable property damage, including uprooted trees, damage to infrastructure, and power outages. Residents should be prepared to secure outdoor items, regularly inspect trees near properties, and always seek shelter during severe thunderstorm warnings. Furthermore, the local government should ensure the built environment is capable of withstanding such events and maintain early warning systems.
  • Weather Risk: Hail appears to be a relatively frequent occurrence in Royal Oak. The city has had 1 on-the-ground report by trained spotters and 22 Doppler radar detections of hail events in the vicinity, with 3 of those occurring in the past year.

 

  • Implication: Hail can result in damage to vehicles, roofs, crops, and other exposed properties. Residents should be made aware of the frequent occurrence of hail and take protective measures such as parking vehicles under shelters during storm warnings and periodically assessing roofing conditions. Continuous hail impacts can degrade roofing materials over time, leading to more extensive damage in subsequent events.
  • Weather Risk: Royal Oak has a tornado index that is higher than both the state and national averages. This indicates an elevated risk of tornado events in the city.

 

  • Implication: Tornadoes can be incredibly destructive, leading to severe property damage, injuries, and loss of life. It is essential for residents to be educated on tornado preparedness, including designating shelter areas within homes, maintaining emergency kits, and staying updated with weather alerts. Periodic community drills and awareness campaigns can ensure everyone is informed about appropriate actions during tornado warnings.

The city’s engagement in hazard mitigation demonstrates proactive planning to reduce the long-term risks of hazards or disasters. By developing a tailored plan specific to Royal Oak’s challenges and aligning with Oakland County’s Hazard Mitigation Plan, the city is taking steps to address vulnerabilities and prepare for potential disaster scenarios.

Recommended Royal Oak Neighborhoods:

  • Starr Jaycee Park
  • W Webster Rd / Linwood Ave
  • Royal Oak Northwest
  • Red Run Park
  • Meininger Park
  • Woodsboro Park
  • Royal Oak Northeast
  • Royal Oak East
  • Lockman Park
  • Whittier Park

Property Crime Rates in Royal Oak, MI.

The city of Royal Oak, Michigan presents a crime scenario that can be better understood through a comprehensive analysis of its crime statistics. Here's an insightful overview:

  • Royal Oak’s crime rate stands at 8 incidents per 1,000 inhabitants. This situates it around the national average when compared with all other U.S. towns and cities.
  •  If you’re in Royal Oak, there’s a 1 in 121 chance of becoming a victim of any crime.
  • A look across the state of Michigan reveals that Royal Oak’s crime rate is more favorable than about 51% of the state’s other communities. Consequently, Royal Oak proudly sits in the list of the top 100 safest cities in the U.S.
  • When Royal Oak’s crime metrics are matched against American cities of a similar population size, its safety stands out. It is among the safest in the nation for its size, which is a commendable distinction.

Violent Crime Insights:

  • Violent Crime Rate: Royal Oak's rate for violent crimes stands at 1 per 1,000 residents. This rate, encompassing crimes like armed robbery, aggravated assault, non-statutory rape, and murder, aligns closely with the national average. Specifically, the chance of a resident experiencing a violent crime in Royal Oak is 1 in 892 – a figure roughly equivalent to the nationwide average.

Property Crime Insights:

  • Property Crime Rate: Property crimes such as burglary, larceny worth $50 or more, grand theft auto, and arson occur at a rate of 7 per 1,000 residents in Royal Oak. This rate is consistent with the average figures observed across cities and towns in the U.S., irrespective of their population size.

Royal Oak, Michigan offers a relatively reassuring crime picture, especially when one considers its size. Its crime rate, both in terms of violent and property crimes, is generally around the national average. What's particularly notable is how favorably it stacks up against other communities within Michigan and against cities of similar size nationwide. The data underscores Royal Oak's reputation as a safe haven, making it an appealing destination for both residents and visitors.

Personal Liability Coverage:

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

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.

Consider the Coverage Options:

Mobile home insurance typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses in case of temporary displacement. Compare the coverage options from different insurance providers to ensure they meet your needs.

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.

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 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 Royal Oak, MI

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

Troy Villa

Address: 2100 Stephenson Hwy, Troy, MI 48083
Phone: 844-752-4092
Office Hours: Mon - Fri: 8:30 AM - 5:30 PM; Sat 9:00 AM - 1:00 PM
Community Type: Manufactured Home Community
Community Features: Landscaped grounds, picnic area, playground, clubhouse, and more.
Availability of Homes for Sale/Rent: Multiple homes available for sale or rent.
About: Troy Villa offers spacious and affordable manufactured homes in Troy, MI. It's located near major commercial centers and job markets, providing convenient access to Metro Detroit via I-75/Chrysler Freeway. The community is pet-friendly and located in the highly-rated Troy School District.

Madison Oaks MHC

Address: 26131 Dequindre Rd., Madison Heights, MI 48071 Phone: (248) 397-1475
Business Hours: Mon - Fri: 8:30 AM - 4:30 PM, Sat: 9:00 AM - 1:00 PM, Sun: By Appointment
Community Type: Manufactured Home Community
Community Features: On-site management, clubhouse, swimming pool, playground, and more. About: Madison Oaks is a premier manufactured home community located in Madison Heights, Michigan. It offers comfortable homes and spacious lots in a peaceful and welcoming neighborhood. The community is pet-friendly and professionally managed.

Lafayette Place

Address: 21155 Warner, Warren, MI 48091
Community Type: All Ages Community Community Features: Clubhouse, playground, customer service, and more.
Availability of Homes for Sale: 4 Homes for Sale, Vacant Sites Available About: Lafayette Place is located in Warren, Michigan, and offers a family-friendly community experience. They host community events and activities, have a clubhouse, a natural playscape area, and are part of the Fitzgerald School District. The community is centrally located, providing easy access to metro Detroit's attractions.

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 Royal Oak, MI

When it comes to getting mobile home insurance in Royal Oak, 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: Royal Oak is known for its tree-lined streets. This coverage offers protection against damages or liability arising from fallen trees or branches on your property.
  • Reasoning: Royal Oak has a vibrant arts and crafts community. This coverage offers liability protection for accidents or injuries related to art and craft workshops or events you may host.
  • Reasoning: If you own a historic property in Royal Oak, this coverage helps address potential damages to maintain the historical authenticity of your property.
  • Reasoning: Royal Oak hosts music events. This coverage offers liability protection in case of accidents or injuries that might occur while attending or participating in these events.
  • Reasoning: If you maintain an urban garden on your property, this coverage offers liability protection in case of accidents or injuries that might occur in your garden.
  • Reasoning: Parking your RV in downtown areas can have unique security concerns. This coverage addresses potential damages or theft that might occur while your RV is parked downtown.
  • 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 Royal Oak MI, don't hesitate to get a CoverTree quote now.

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