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Protect Your Manufactured Home in Southfield, 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 Southfield, MI : Costs, Coverage, and Considerations

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

Welcome to Southfield, Michigan – a town that epitomizes what it means to be the crossroads to the future!

Nestled amidst the urban sprawl of metropolitan Detroit lies Southfield, a city that seamlessly intertwines the echoes of Michigan’s storied past with the vibrant pulse of modernity. As a pivotal business and cultural nexus, Southfield stands tall, mirroring both the resilience and innovation that characterizes this remarkable region of the United States.

Southfield’s inception traces back to the early 19th century when settlements began to blossom in the area. Over the decades, it transitioned from a quiet farming community to a bustling hub of commerce and suburban living. Today, the city’s skyline, punctuated by high-rise buildings and state-of-the-art infrastructure, tells a tale of progress and transformation.

One of Southfield’s defining features is its dynamic business landscape. Often termed “The Center of It All,” Southfield is home to over 10,000 businesses, including several Fortune 500 companies. The city’s strategically designed Tel-Twelve Mall and the landmark Southfield Town Center are testimonies to its economic vitality and its role as a significant player in Michigan’s commercial arena.

But Southfield isn’t all business. The city boasts a rich tapestry of cultural and recreational endeavors. The Southfield Public Library, not just a repository of books, is a beacon of community engagement, offering programs and resources that cater to diverse interests. The Park and Garden at Southfield City Centre, with its serene landscapes and water features, serves as an urban oasis, offering respite from the city’s bustling pace.

Art and culture aficionados will find a haven in the Park West Gallery, which houses an impressive collection of works, spanning from contemporary art to old masters. The annual Southfield Festival of Hope and the Southfield Jazz Festival are events that further underscore the city’s commitment to celebrating its cultural diversity and fostering community ties.

Southfield’s culinary scene is as diverse as its population. From soulful Southern dishes to global cuisines, the city’s eateries reflect a melange of flavors and traditions, ensuring that every palate finds its delight.

One of the intriguing facets of Southfield’s history is its role during the Jazz Age. The city played host to several renowned jazz musicians and venues, adding a rhythmic note to its historical timeline.

In essence, Southfield is more than just a city; it’s a living, breathing entity that embodies the dreams and aspirations of its inhabitants. Its skyline may reach for the clouds, but its roots remain firmly grounded in a rich heritage and a sense of community. For those seeking a destination that offers both the thrill of the new and the comfort of the familiar, Southfield, Michigan awaits with open arms and endless possibilities.

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.

Understanding Mobile Home Insurance in Michigan.

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 location of your mobile home, particularly the zip code in Michigan, is a significant factor.

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 Southfield, MI,

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

Choosing the Right Mobile Home Insurance for Southfield, MI,

Weather Risks:

Southfield has a tornado index of 212.45, which is considerably higher than both the state of Michigan and the U.S. averages. This suggests that Southfield has a higher likelihood of experiencing tornado events. Additionally, the forecast indicates that strong to severe thunderstorms with the potential for damaging wind gusts, large hail, and isolated tornadoes are expected. Implications on Mobile Home & RV Insurance: Tornadoes and severe wind gusts pose significant threats to the structural integrity of mobile homes and RVs. Insurance premiums in Southfield may be higher due to the elevated tornado risk. Comprehensive coverage should ideally include protection against windstorm and tornado damage. Mobile home and RV owners should confirm this coverage and understand any related deductibles. To qualify for coverage or potentially lower premiums, insurance companies may require mobile homes to be anchored securely, especially in high-risk tornado areas like Southfield.

Hail events have been frequently recorded, with 914 instances within 50 miles of Southfield from 1950 to 2010. Thunderstorm winds are even more frequent, with a record of 2,069 events in the same duration. Implications on Mobile Home & RV Insurance: Both hail and thunderstorm winds can cause substantial damage to mobile homes and RVs, from shattered windows and dents to more severe structural damages. Hail and windstorm damages are typically covered under comprehensive mobile home and RV insurance. However, it’s vital to check for any limits or exclusions. Due to the high frequency of these events, premiums might be slightly elevated in Southfield.

176 flood events were recorded within 50 miles of Southfield from 1950 to 2010. With heavy downpours expected from the upcoming severe weather, flooding is a plausible risk. Implications on Mobile Home & RV Insurance: Mobile homes and RVs can sustain significant damage in floods. Most standard insurance policies don’t cover flood damage, requiring additional flood insurance. Residing in or near flood zones can increase insurance premiums. Taking precautions, such as elevation or flood barriers, can be beneficial in preventing or reducing damage.

Recommended Southfield Neighborhoods

  • Murray Crescent Dr / W 12 Mile Rd
  • Inglenook Park
  • Southfield West
  • City Center
  • Rock Creek Dr / Northgate Dr
  • Northwestern Hwy / Philip Dr
  • W 8 Mile Rd / Greenview Rd
  • Catalpa Park
  • Beech Woods Park
  • Waycross / Peekskill

Property Crime Rates in Southfield, MI.

Southfield, Michigan, presents a unique crime profile, distinguishing itself from both state and national averages. Here's a breakdown of the crime dynamics in this city:

Property Crime Rates in Southfield, MI.

  • Overall Crime Index: Southfield’s crime rate, at 25 incidents per 1,000 residents, is significantly higher than the national average across all American communities. However, it doesn’t rank among the highest crime rates.


  • Chance of Becoming a Victim: A resident of Southfield has a 1 in 40 likelihood of falling victim to either a violent or property crime.


  • Statewide Comparison: In the broader context of Michigan, Southfield’s crime picture is alarming. The city’s crime rate surpasses that of 90% of all other Michigan cities and towns, regardless of size.


  • Size-based Comparison: When compared to other cities of similar population, Southfield’s crime rate is around average. This means that for its size, Southfield’s crime rate is neither exceptionally high nor low.

Violent Crime Insights:

Violent Crime Rate: The rate of violent crime in Southfield is concerning, as it's higher than the majority of communities in America, irrespective of their population size. Specifically, crimes such as armed robbery, aggravated assault, rape, and murder occur at a rate of 5 per 1,000 residents. In simpler terms, the chance of a Southfield resident experiencing a violent crime is 1 in 205.

Violent Crime Insights:

Property Crime Insights:

Property Crime Rate: Property crimes in Southfield, which include motor vehicle theft, arson, larceny, and burglary, have a rate of 20 per 1,000 residents. This positions Southfield as having a higher-than-average likelihood of property crime when compared to other U.S. communities. In Southfield, the probability of being a victim of a property crime stands at 1 in 50. Motor Vehicle Theft: A standout concern in Southfield is its high rate of motor vehicle theft. Based on FBI crime data analyses, Southfield ranks among the top communities for car thefts in the nation, spanning communities of all sizes. If you reside in Southfield, your car has a 1 in 216 chance of being stolen.

Property Crime Insights:

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Are you in  Southfield, MI, looking for mobile home insurance?

Coverage for Personal Belongings

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.

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.

Age and Condition of the Home

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

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.

Regular Policy Review

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.

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 Southfield, 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!

Michigan Mobile Home Resources Mobile Homes in MI.

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 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

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.

Additional Relief

Finding the Best Mobile Home Insurance in Southfield, MI

When it comes to getting mobile home insurance in Southfield, 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:

Finding the Best Mobile Home Insurance in Southfield, MI







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