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Protect Your Manufactured Home in St. Clair Shores, MI.

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A Guide to Mobile Home Insurance in St. Clair Shores, MI: Costs, Coverage, and Considerations

Welcome to St. Clair Shores, Michigan the nautical heartbeat of the Great Lakes Region!

Tucked along the western shores of Lake St. Clair, the city of St. Clair Shores pulses with a maritime charm that resonates deeply within the Great Lakes region. As a sentinel of Michigan's freshwater heritage, St. Clair Shores is both a guardian of timeless lake traditions and a harbinger of contemporary lakefront living, making it a distinctive gem in Macomb County.

Founded in the early 19th century, St. Clair Shores blossomed from modest beginnings as a collection of villages into a vibrant city. Its strategic location on the freshwater lake not only shaped its economic and cultural trajectory but also deeply embedded a nautical spirit within the fabric of the community.

The waterfront defines much of the city's recreational and social life. The numerous marinas and boat clubs stand as bustling hubs of activity, making St. Clair Shores the "Boating Capital of Michigan." Sailboats dotting the horizon and the rhythmic splash of oars are sights and sounds that have become synonymous with the city.

Yet, St. Clair Shores is not just about the water. Its tree-lined neighborhoods, punctuated with historic homes, evoke a sense of nostalgia, transporting one to an era where life moved to the gentle rhythms of the seasons. The community spirit here is palpable, with residents cherishing their shared memories and traditions.

A significant marker of the city's cultural vitality is the annual Memorial Day Parade, one of the longest-running events of its kind in the state. Coupled with the Aquafest and other waterfront festivities, St. Clair Shores ensures its legacy as a center of community celebrations.

The culinary scene in St. Clair Shores is as refreshing as its breezy lakefront. From age-old diners serving comfort food to modern eateries experimenting with global flavors, the city offers a gastronomic journey that reflects both its history and evolving tastes. Among the lesser-known tales of St. Clair Shores is its influence on the music scene during the mid-20th century. The city was home to various venues that saw performances from iconic musicians, embedding a melodic note in its history.

To summarize, St. Clair Shores, Michigan, is where memories are cast with fishing lines and echoed in boat horns, where sunsets are a daily spectacle, and where the heart of the community beats in synchrony with the lapping waves. It is a haven for those seeking both tranquility and vibrant energy, making it a must-visit in the picturesque Great Lakes region.

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 St. Clair Shores, MI.

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

Weather Risks:

The tornado index for St. Clair Shores is 142.40, slightly higher than the Michigan and U.S. averages, pointing to a somewhat elevated risk of tornado events. The high count of events related to thunderstorm winds and hail incidents emphasizes this risk.

 

Implications on Mobile Home & RV Insurance:

 

Mobile homes and RVs, due to their lightweight construction, are particularly susceptible to damage from tornadoes and severe wind events.

  • Insurance rates in St. Clair Shores might reflect the slightly increased tornado risk.
  • It would be prudent for insurance coverage to include windstorm, tornado, and hail damage. Residents should make sure of this protection and be familiar with any associated deductibles.
  • Proper anchoring of mobile homes might be a requirement for certain insurance policies or could provide a discount on premiums.

With 690 recorded hail events between 1950 and 2010 and 5 reports of on-the-ground hail by trained spotters in recent times, hail is a significant weather concern for St. Clair Shores.

 

Implications on Mobile Home & RV Insurance:

 

Hail can cause exterior damage to mobile homes and RVs, affecting roofs, windows, and sidings.

  • Insurance policies should cover hail damage, but homeowners should be aware of any hail-specific deductibles.
  • Given the frequency of hail in the area, mobile home and RV owners might consider protective measures, like carports or shelters, to safeguard their homes and vehicles.

The earthquake index for Southgate is relatively low at 0.12 but is still higher than the Michigan average.

Implications on Mobile Home & RV Insurance:

While the risk is low, earthquakes can cause extensive damage, especially if mobile homes and RVs are not anchored properly.

  • Earthquake coverage is usually not a part of standard mobile home or RV insurance policies. Thus, if considered necessary, an additional policy or endorsement may be required.
  • Given the low risk, the premiums associated with this coverage may be relatively affordable.

Recommended St. Clair Shores Neighborhoods:

Property Crime Rates in St. Clair Shores, MI.

St. Clair Shores, situated in Michigan, has a unique crime profile when contrasted with Michigan averages and U.S. averages. Below is a concise breakdown of the crime situation in St. Clair Shores:

  • St. Clair Shores has a crime rate of 10 incidents per 1,000 residents. This statistic positions the city around the median when compared to the entirety of U.S. cities and towns, regardless of size.
  • In St. Clair Shores, the probability of becoming a crime victim stands at 1 in 103.
  •  In a broader Michigan context, St. Clair Shores manifests a favorable crime profile, with its crime rate falling below approximately 45% of Michigan’s cities and towns, irrespective of their sizes.
  • When juxtaposed with other American cities of a similar population size, St. Clair Shores emerges as particularly safe. In fact, among comparably sized cities and towns across the U.S., St. Clair Shores boasts one of the lowest crime rates. This data underscores the city’s safety, especially within its population bracket.

Violent Crime Insights:

Property Crime Insights:

St. Clair Shores showcases a mixed bag in terms of its crime statistics. On one hand, it is safer than a significant portion of Michigan and stands out favorably against similarly sized U.S. communities. On the other, there's room for improvement, especially concerning violent crimes. This information is vital for residents, community leaders, and law enforcement as they strategize on maintaining and improving the city's safety profile.

Stability of the Insurance Company:

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

Compare Deductibles and Premiums:

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Review and Compare Quotes:

Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!

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.

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.

Consider Additional Coverage:

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

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 St. Clair Shores, 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 St. Clair Shores, MI

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

St. Clair Place (All Ages Community)

Address: 2700 Cox Road, Saint Clair, MI 48079

Availability of Homes for Sale: 4 Homes for Sale, Vacant Sites Available Pet Policy: Pets allowed (2 pets, no vicious breeds)

Community Type: All Ages Community Additional Details: Off-Street Parking, Playground, Clubhouse, Sidewalks, Recreational Facilities, Street Width: Average, Street Type: Paved, Age Restrictions: No, Vacant Sites: 5+, Year Built: 1968, Multisection Homes: 10%, Homes w/ Peaked Roofs: 60%, Homes w/ Lap Siding: 90%, Distance to water: 0.3 Miles, Distance to golf: 1 Mile, Distance to parks: 5 Miles

The Shores of Anchor Bay (Community in Fair Haven, near St. Clair Shores)

Address: 7061 Bethuy Road, Fair Haven, MI 48023

Contact: Phone - (586) 725-8171

Community Type: Information not provided

Amenities: 24-hour fitness center, outdoor pool with sunbathing deck, toddler pool, brand new playground with picnic area, near Lake St. Clair, minutes from I-94, Anchor Bay school district, near golf courses, restaurants, and downtown New Baltimore.

Meadow Creek (Family-Friendly Community in New Haven, near St. Clair Shores)

Address: 58701 Meadow Creek Blvd., New Haven, MI 48048

Contact: Phone - (586) 460-4880

Community Type: Family-Friendly Community

Amenities: Information not provided Location: Conveniently located near Detroit, with easy access to M-59, M-53, and I-94, close to shopping, dining, malls, and C.J. Barrymore amusement park.

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 St. Clair Shores, MI

When it comes to getting mobile home insurance in St. Clair Shores, 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: St. Clair Shores is known for its proximity to Lake St. Clair. If you own a boat or watercraft, this coverage offers liability protection for accidents or injuries that might occur while using these assets.
  • Reasoning: Heavy rainfall can lead to basement flooding. This coverage addresses damages caused by sump pump failures and related water damage in your mobile home or RV.
  • Reasoning: If your mobile home is seasonal or used as a vacation property, this endorsement provides coverage tailored to seasonal property risks and may reduce coverage during the off-season.
  • Reasoning: Given the suburban setting, additional theft protection can be valuable. This endorsement enhances coverage for theft of personal belongings from your mobile home.
  • Reasoning: If you use your RV for vacations, this coverage extends liability protection beyond your RV, covering accidents or injuries that might occur while camping or using campsite facilities.
  • Reasoning: If you store your RV during the offseason, this endorsement provides liability protection for accidents or injuries that might occur at the storage facility.
  • 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 St. Clair Shores MI, don't hesitate to get a CoverTree quote now.

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