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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.
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.
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.
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.
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.
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!
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.
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.
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.
Travel trailers, camping trailers, and
motor homes are typically insured under automobile, recreational vehicle, or special
policies.
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.
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
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.
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.
Finding the Best Mobile Home Insurance in St. Clair Shores, MI
References:
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CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
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Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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