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

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

Welcome to Sterling Heights, MI – a vibrant and growing city located in Macomb County, one of the state’s fastest-growing regions. Its location near Detroit and other major metropolitan areas makes it an ideal home for people who want to be close to all the cultural and recreational opportunities that the area offers. The city itself is known for its excellent schools, beautiful parks, and welcoming community.

Sterling Heights is a hub of activity with plenty of entertainment options for all ages. Home to large commercial and industrial businesses, its streets are bustling with activity, and there is always something to do. Art enthusiasts will enjoy visiting the Detroit Institute of Arts, while music lovers will appreciate the Detroit Symphony Orchestra Hall featuring the 85-year-old Detroit Symphony.

Nature lovers and those looking for a calmer pace of life, will appreciate Seven Ponds Nature Center, located in Dryden, or the African Safari Wildlife Park, which is perfect for a fun and exciting family outing.

For those in search of historical experiences, there are several destinations in and around Sterling Heights that provide a look into the past. The Crocker House Museum, located in the nearby town of Mt. Clemens, is a beautiful 19th-century Italianate home, while the Fisher Mansion in Detroit features original art from Asia and India. Furthermore, the Ford Estate in Dearborn and the Detroit Historical Museum are also excellent destinations that showcase the city’s rich history.

Sports enthusiasts should have no difficulty in finding something to do in Sterling Heights. The city is home to numerous parks and sports facilities for baseball, football, soccer, and more. Fans can also cheer for the city’s Major League Baseball team, the Detroit Tigers, or catch a game with the National Hockey League Detroit Red Wings, or watch basketball games with Detroit Pistons or Women’s National Basketball Association Detroit Shock.

Sterling Heights is also known for its excellent schools, and the city’s residents take pride in their dedication to providing an exceptional educational experience. The city’s schools include a wide range of programs, from early childhood to higher education, and boast several recognitions for their achievements.

Overall, Sterling Heights, Michigan, is a beautiful city with a vibrant community, excellent schools, fun activities, and welcoming people. Its location near Detroit and other major metropolitan areas makes it an ideal place for people who want to live in a thriving community with plenty of opportunities for excitement and personal growth.

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 Sterling Heights, MI.

Choosing the right mobile home insurance for Sterling Heights, 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 Sterling Heights, MI.

Weather Risks in Sterling Heights

Sterling Heights, 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. Taking proactive measures and staying informed about the risks can help enhance preparedness and safety within the community.

Out of all properties in Sterling Heights, 23% (3,068 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: 7,311 out of 33,109 homes Road Moderate Risk: 5 out of 6 miles of roads Commercial Moderate Risk: 492 out of 1,381 commercial properties Critical Infrastructure Minor Risk: 4 out of 53 infrastructure facilities Social Facilities Minor Risk: 25 out of 88 social facilities Similar to Saginaw, the level of risk varies for each property, contributing to Sterling Heights’ overall moderate risk of flooding. Flooding may impact day-to-day life within the community, including access to utilities, emergency services, and transportation.

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

Sterling Heights Neighborhoods To Consider

When it comes to personal safety, the following neighborhoods in Sterling Heights are considered the safest:

  • Dobry Dr / W South Blvd
  • Franklin Park
  • Dobry Dr / Mound Rd
  • Dodge Park
  • Magnolia Park
  • Pernell Dr / la Grange Dr
  • 18 1/2 Mile Rd / Ryan Rd
  • Arlingdale Park
  • Puffin Park
  • San Marco Blvd / Plumridge Blvd

Property Crime Rates in Sterling Heights MI.

Addressing property crime rates is crucial for maintaining community security. Here are the current property crime statistics for Sterling Heights:

Property Crime Rates in Sterling Heights MI.

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Are you in  Sterling Heights, MI, looking for mobile home insurance?

Manufactured Home-Specific Coverage

When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Additional Structures

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

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.

Deductibles and Premiums

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Discounts and Bundling Options

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

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!

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 Sterling Heights, MI

When it comes to getting mobile home insurance in Sterling Heights, MI, 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 Sterling Heights, MI



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