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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

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

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 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:

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:

Property Crime Rates

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

Sterling Heights has a lower property crime rate compared to the state average. However, it is still important to remain vigilant and take necessary precautions to protect personal property and belongings.

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 This 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!

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

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 Sterling Heights, MI

If you're in the market for a mobile or manufactured home in Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, MI when it comes to manufactured homes and related services.

Clayton Homes of Sterling Heights

Located right in Sterling Heights, Clayton Homes offers a variety of manufactured homes with customizable features. Their knowledgeable staff can assist you in finding the perfect home for your needs.

Sterling Estates Mobile Home Community

This community in Sterling Heights offers a range of mobile and manufactured homes for sale or rent. They provide amenities such as community spaces, playgrounds, and onsite management.

Rudgate Manor

Rudgate Manor is a notable manufactured housing community in the suburbs, offering affordable living with impressive amenities like a clubhouse, a deep pool, children's play areas, a basketball court, and regular events. The community boasts professional management and is part of the esteemed Utica Community School District. Sterling Heights, where it's located, is lauded for its livability, with 95% of its residents praising it as a good home, and both Best Life and Money magazines acknowledging its appeal for families.

Woodland Meadows Apartments

In a league of its own, Woodland Meadows is known for its quintessential charm and its spacious & luxurious apartments. Some of the unique features you’ll find at this community include fountain lakes, picnic areas, a sun deck, tennis courts, and a yoga studio. A part of Dart Properties, Woodland’s location provides easy access to restaurants, shopping malls, and local parks, as well as the I-94, I-696, M-59, and M-53 freeways.

Palm Harbor Homes

Palm Harbor Homes is known for their innovative designs and energy-efficient features. They have manufacturing facilities in several states and offer a range of customizable floor plans, including single-section and multi-section homes.

River’s Edge

River's Edge in Clinton Township, Michigan, is an inclusive manufactured home community located by the Clinton River. Renowned for its caring atmosphere, it offers amenities like a recreation center, fitness room, basketball courts, swimming pools, playgrounds, and barbecue pavilions. Additional benefits include organized activities, snow removal, and well-lit, pet-friendly streets. Just five miles from shopping centers and easily accessible to highways and public transport, the community lies in the top-rated Chippewa Valley School District and is close to local parks and golf courses. For an affordable, convenient living experience, consider River's Edge and explore their new homes with a private tour.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


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.


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 Sterling Heights, MI

When it comes to mobile home insurance in Sterling Heights, 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 Sterling Heights, 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.

Consider the value of your personal belongings and
choose a policy that provides enough personal property coverage to protect them from
covered perils, such as theft or fire.

Protect yourself from potential lawsuits or claims if someone is
injured on your property. Choose a policy with enough liability coverage to adequately
cover your assets, future earnings, and the unique risks associated with owning a
manufactured or pre-fab home.

In case of a covered loss that renders your
manufactured or pre-fab home uninhabitable, additional living expenses coverage will
help cover the costs of temporary accommodations, meals, and other necessary
expenses while your home is being repaired or replaced.

Given the concerns about water contamination in Sterling
Heights's past, consider purchasing water damage coverage specifically designed to
protect against damage caused by issues such as lead pipe leaks or water supply

Sterling Heights experiences significant snowfall during the
winter months. This coverage would help protect your home and property from damage
caused by heavy snow accumulation, ice dams, or roof collapses.

Sterling Heights can be prone to heavy rainstorms and
flooding. This coverage would help protect your home in case of sump pump failure,
which can lead to water damage in basements or lower levels of your home.

As the city is located in a region with the potential for strong
winds, windstorm coverage would be important to protect your home from damages
caused by wind events, including severe storms and tornadoes.

If you live in a community with a homeowners
association (HOA) or a manufactured home community with shared amenities, loss
assessment coverage would help cover your portion of any special assessments levied
by the association due to covered losses or liabilities.

Identity theft is a concern regardless of location, but having
identity theft coverage can provide additional peace of mind. This coverage helps with
the costs associated with restoring your identity, such as legal fees and expenses
related to reclaiming your identity and repairing your credit.

In the event of a major disaster that affects
the entire community, the cost of rebuilding or repairing homes can increase due to high
demand for construction materials and services. Extended replacement cost coverage
would provide additional coverage to help cover the higher costs of rebuilding your
home if it exceeds your policy's dwelling limit.

  • This coverage helps cover the cost of damages
    caused by sewer or water backup, including repairs, cleanup, and replacement of
    damaged property. It is especially important in areas with aging infrastructure, like parts
    of Sterling Heights.
  • In the event of a covered loss, this coverage helps cover
    the cost of debris removal and cleanup on your property, ensuring that you can properly
    restore your manufactured or pre-fab home.
  • Sterling Heights's building codes and zoning regulations
    can change over time. Ordinance or law coverage helps cover the additional costs of
    bringing your manufactured or pre-fab home up to code during repairs or rebuilding,
    which may be required after a covered loss.
  • Consider including medical payments coverage in your
    policy to cover minor medical expenses for injuries sustained by guests on your
    property, regardless of fault.
  • Inquire about available discounts specific to manufactured or pre-fab
    homes in Sterling Heights, 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 Sterling Heights, MI.

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

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