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Protect Your Manufactured Home in Saginaw, MI

Covertree’s Comprehensive Guide.

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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 Saginaw, MI: Costs, Coverage, and Considerations

Saginaw, MI is a beautiful community with a river running through the downtown, plenty of parks, and walkable streets. It's an ideal place for young professionals, families, and retirees, offering everything needed to enjoy life. One of the most striking features of Saginaw is its low cost of living. Saginaw has one of the lowest costs of living in the country, making it easy to buy a home and have money left over to have fun.

Furthermore, Saginaw County is known for its quality schools and five colleges, making it possible to go from kindergarten through college without leaving home, which is great for growing and intergenerational families. When it comes to recreation, Saginaw County has an exceptional 82-acre trail system, 541 acres of parkland, 26 public & private golf courses, fishing, water activities, an art museum, children’s museum, zoo, Zehnder’s Splash Village Hotel & Waterpark, the Dow Event Center, and much more. Frankenmuth, a Bavarian Village and the location of the world’s largest Christmas store, is also located in the county, providing ample opportunities for recreation.

Saginaw County is a diverse and welcoming community. The cultural diversity of the community has created a rich experience for the residents. It's incredibly welcoming to people from all over the world, with little communities from different countries making their home here. Saginaw Valley State University's sister university is Jinan University in Guangzhou, China. The Japanese Cultural Center, Tea House, and Gardens of Saginaw is one of the most authentic tea houses in North America—built entirely of wood without the use of nails, screws, or glue.

According to Sperling’s Best Places, Saginaw County has an overall cost-of-living of 79.3, well below the US average of 100, making it one of the least expensive areas in the United States. However, that does not mean that Saginaw County lacks resources or entertainment. On the contrary, there are abundant outdoor recreation and water activities, shopping, restaurants, live music venues, museums, and everything that a family needs to enjoy life.

Saginaw County is located in the central portion of Michigan’s lower peninsula, in the economically diverse Great Lakes Bay Region, making it a strategically-located place that is a short drive from major metropolitan attractions, Canada, and pristine nature attractions. The Great Lakes Bay Region is the largest watershed in Michigan, home to the Saginaw River and eight different rivers that intertwine and drain into the Saginaw Bay, which is connected to Lake Huron. With a growing economy, outstanding healthcare, low cost of living, award-winning schools, diverse housing options, and affordable business environment, Saginaw County is a great place to live. It has a vibrant, big-city feel with small city expenses and charm, and it's full of unexpected surprises—from Riverfront Saginaw's arts and entertainment hub to Old Town's walkable blocks filled with quirky shops, eateries, and taverns.

Understanding Mobile Home Insurance in Michigan

Mobile home insurance in Michigan typically ranges from $300 to $1,000 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 Saginaw, MI.

Choosing the right mobile home insurance for Saginaw, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

Weather Risks in Saginaw, MI

Saginaw, MI, faces a moderate risk of flooding, which has the potential to significantly impact properties, utilities, emergency services, transportation, and the overall economic well-being of the area. Understanding the risks and taking appropriate measures can enhance preparedness and safety within the community.

Out of all properties in Saginaw, 17% (1,645 properties) have a greater than 26% chance of being severely affected by flooding over the next 30 years. This includes residential, road, commercial, critical infrastructure, and social facilities.

  • Residential Minor Risk: 2,975 out of 18,229 homes
  • Road Moderate Risk: 3 out of 4 miles of roads
  • Commercial Moderate Risk: 136 out of 579 commercial properties
  • Critical Infrastructure Minor Risk: 7 out of 42 infrastructure facilities
  • Social Facilities Major Risk: 17 out of 75 social facilities

It’s important to note that the level of risk varies for each property, contributing to Saginaw’s overall moderate risk of flooding. Flooding can have a significant impact on day-to-day life within the community, including access to utilities, emergency services, and transportation.

In addition to the flooding risk, Saginaw also has a minor risk from wildfires, minimal risk from severe winds, and minor risk from heat.

Saginaw, MI Neighborhoods to consider.

If personal safety is a top priority, the following neighborhoods in Saginaw are considered the safest:

Property Crime Rates

Addressing property crime rates is essential to ensuring community security. Here are the current property crime statistics for Saginaw:

Saginaw has a slightly higher property crime rate compared to the state average. It is important to remain vigilant and take necessary precautions to protect personal property and belongings.

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.

Policy Expiration and Renewal

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

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.

Cancellation Policy

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

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.

Group Discounts

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

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 Saginaw, 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?

The owner or operator of a mobile home park in Michigan must have just cause to evict a tenant, and they cannot evict a tenant solely because their lease is ending.

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 in Saginaw, MI

If you're in the market for a mobile or manufactured home in Saginaw, MI, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Saginaw, MI. Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Saginaw, MI when it comes to manufactured homes and related services.

Saginaw Home Center

As one of the leading manufactured home retailers in the area, Saginaw Home Center offers a wide selection of manufactured homes from trusted manufacturers such as Skyline, Clayton, and Champion. They also provide financing options and expert personalized service to help meet your needs.

Lakeview Estates

Titan Factory Direct is a national retailer with a showroom in Saginaw offering an extensive range of customizable manufactured and modular homes. They offer additional services like design consultation and in-house financing to simplify the buying process.

Edgewood Village

Edgewood MHC is an absolutely beautiful, well-kept and luxurious community with a private clubhouse restricted to their residents’ use. Boasting of amenities, such as boat/RV storage, a children’s playground, and recreation areas that include a basketball court and their unique horseshoe pits! Located on South Graham Road, near Gratiot Road, in Saginaw, the Village is near the Children’s Zoo and many cultural venues or parks, including Ojibway Island.

Saginaw Valley

Saginaw Valley is located in Saginaw and is a beautiful community that is surrounded by greenery in the form of an apple orchard and acres of farmland. Residents here enjoy planned activities and events throughout the year.

Robin Glen

If you are looking for something more rural, yet comfortable and accessible then Robin Glen is for you! Robin Glen is located in Saginaw, MI and is in a rural setting just minutes from I-75 and is close to Pontiac and Troy. They have a clubhouse, outdoor pool, playground, basketball court and much more. Come visit us today at Robin Glen! These are just a few of the top-rated manufactured home retailers, manufacturers, dealers, and communities in Saginaw, MI. Remember to do your research, visit different communities, and speak to experts to find the right fit that meets your needs and budget.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.

Liability

Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance in Saginaw, MI

When it comes to mobile home insurance in Saginaw, 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 Saginaw, 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:

Ensure that your policy provides adequate dwelling coverage to
rebuild your manufactured or pre-fab home if it is completely destroyed. This coverage
should extend to any attached structures, such as garages or decks.

Personal property coverage protects your personal
belongings within your home. The coverage can help replace any stolen or damaged
items, such as furniture, clothing, jewelry, electronics, and appliances.

Liability coverage protects you and your family in the event
someone is injured or if your property causes damage to others. This coverage will help
cover legal fees, medical bills, and other related costs.

In the event that your home becomes
uninhabitable due to covered events, such as a fire or tornado, additional living
expenses coverage can cover temporary accommodations, food, and other related
costs.

Replacement cost coverage provides protection for the
full cost of rebuilding or repairing your manufactured or pre-fab home. This can help
ensure that you receive adequate coverage and don’t have to pay out of pocket costs.

Saginaw is surrounded by bodies of water and is prone to flooding.
Therefore, it is recommended to obtain flood insurance to provide coverage for flood
damage and related expenses.

Saginaw is also prone to severe weather patterns,
including hail and windstorms. Make sure to obtain coverage that adequately protects
your home from such events.

Winter storms in Saginaw can be harsh and can cause
significant damage to your manufactured or pre-fab home. Make sure you have
adequate coverage for any harm caused by winter weather events such as heavy snow,
ice damming, or ice storms.

A water backup can happen due to blocked pipes, sewer line
issues, or water backups from overloaded drainage systems. Some standard
homeowner's insurance policies do not cover water backup damage, so you may want
to purchase additional coverage to protect your home from this type of damage.

Consider including medical payments coverage in your
policy to cover minor medical expenses for injuries sustained by guests on your
property, regardless of fault.

If you live in a manufactured or pre-fab home community
with a homeowners association, loss assessment coverage can protect you from
unexpected assessments levied by the association following a covered loss to the
common areas.

  • Inquire about available discounts specific to manufactured or pre-fab
    homes in Saginaw, MI. For example, some insurers offer discounts for installing safety
    devices, having a claim-free history, or belonging to professional organizations.
    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 Saginaw, MI.

Now that you've got the lowdown on mobile home insurance coverage in Saginaw, MI, don't hesitate to get a CoverTree quote now.

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