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Protecting Your Manufactured Home in Waterford Township, 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 Waterford Township, MI: Costs, Coverage, and Considerations

Welcome to Waterford Township, Michigan- a bustling city that offers a perfect blend a charming community that offers a unique blend of natural beauty, recreational opportunities, and suburban convenience. Located in Oakland County, Waterford Township is known for its abundance of lakes, parks, and outdoor spaces.

Waterford Township is a haven for nature lovers and outdoor enthusiasts. With over 30 lakes within its boundaries, the township offers countless opportunities for boating, fishing, swimming, and other water activities. Whether you prefer peaceful sunset cruises or adrenaline-pumping water sports, you'll find a lake that suits your preference.

Besides the lakes, Waterford Township features a variety of beautiful parks and green spaces. From the sprawling expanse of Hess-Hathaway Park to the tranquil surroundings of Drayton Plains Nature Center, there are ample opportunities for hiking, picnicking, and exploring nature. Waterford Oaks County Park is another popular destination, offering trails, a waterpark, and a BMX track.

Waterford Township also provides a range of recreational facilities and programs for residents. The Waterford Oaks BMX Track, Waterford Recreation Center, and various sports fields and courts cater to sports enthusiasts of all ages, offering activities such as basketball, tennis, soccer, and more. Whether you're looking to join a league, take a fitness class, or simply enjoy some leisurely fun, Waterford Township has you covered.

In terms of amenities and convenience, Waterford Township has a thriving commercial district. From shopping centers like the Waterford Plaza and the Great Lakes Crossing Outlets to a diverse selection of restaurants, cafes, and entertainment venues, there's always something new to explore and discover.

Waterford Township is also known for its sense of community and numerous events. The township hosts various festivals and celebrations throughout the year, including the Kettering Marching Band Invitational and the Independence Day Parade. These events bring residents together, fostering a sense of togetherness and pride in the community.

The township's location offers easy access to nearby cities and attractions. Waterford is situated within reasonable driving distance of Detroit, where you can visit cultural institutions like the Detroit Institute of Arts, enjoy live music and sports events, and explore a diverse culinary scene. The township is also close to outdoor destinations like Oakland County's Highland Recreation Area, making it an ideal base for day trips and weekend getaways.

What truly makes Waterford Township special is its warm and welcoming atmosphere. The tight-knit community, strong sense of civic pride, and the beauty of the natural surroundings create a sense of belonging and make Waterford Township a great place to live, work, and play.

In summary, Waterford Township offers a unique combination of natural beauty, recreational opportunities, suburban convenience, and community spirit. Whether you're looking to explore the outdoors, engage in recreational activities, or connect with your neighbors, Waterford Township provides a delightful setting to enjoy life to the fullest.

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 size and year of your mobile home
  • Upgrades made to your mobile home
  • The value of your personal property
  • Property crime rates in the area
  • Your chosen mobile home community or park
  • Weather events specific to the region
  • Whether or not you smoke

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:

  • Installing extra security measures to reduce the risk of burglary
  • Making home improvements, such as adding insulation to prevent pipes from freezing

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 Waterford Township, MI.

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

Weather Risks:

Isolated strong storms may occur in Waterford, MI, with hazards like damaging wind gusts up to 60 mph and heavy rainfall. The forecast indicates a chance of showers during the day and potentially a thunderstorm overnight.

Implications for Mobile Home and RV Insurance in Waterford, MI:

  • The presence of strong winds can lead to structural damage to mobile homes and RVs.
  • Heavy rainfall can cause flooding, especially if the region already has a noted risk of flooding.
  • Insurance providers might recommend policies that cover storm damages and potentially suggest measures to protect homes from strong winds, such as tie-downs for mobile homes.

Waterford, MI has a considerably higher tornado index compared to the Michigan state average and even the U.S. average.

Implications for Mobile Home and RV Insurance in Waterford, MI:

  • Mobile homes and RVs are particularly vulnerable to tornadoes, which can cause extensive damage.
  • Insurance providers would likely emphasize the importance of coverage against tornado damages and may also offer guidance on safe practices during tornado warnings or watches.

Various weather extremes have been recorded near Waterford, MI, from 1950 to 2010. These include occurrences like hail, heat, heavy snow, strong winds, and thunderstorm winds, among others.

Implications for Mobile Home and RV Insurance in Waterford, MI:

  • The prevalence of hail indicates a need for coverage against hail damages which can affect the exteriors of mobile homes and RVs.
  • Strong and thunderstorm winds can cause structural and exterior damages, suggesting the importance of comprehensive coverage.
  • Snow and winter-related weather can also affect mobile homes, highlighting the need for protections against cold weather damages.

Residents of Waterford, MI with mobile homes or RVs should be well-aware of the local climate risks, especially the high tornado risk. By selecting comprehensive insurance coverage that addresses the various weather threats, they can ensure the protection and longevity of their assets. Regular reviews of insurance policies can help in staying updated on suitable protection measures against evolving climate risks

Recommended Waterford Township Neighborhoods:

  • Waterford Southwest
  • Four Towns
  • Waterford West
  • Crescent Rd / Savoy Dr
  • Waterford Northwest
  • Drayton Plains / Town Center
  • Clintonville
  • Waterford South
  • Eleia Park
  • Lake Angelus

Property Crime Rates in Waterford Township, MI.

To better understand the crime landscape in Waterford, Michigan, let's dive deeper into the given data and provide a comprehensive evaluation:

  • When taking into account cities and towns spanning across the U.S., Waterford’s crime rate, at 10 crimes per 1,000 residents, sits close to the national average. Evaluating this data suggests that residing in Waterford places one at a 1 in 97 risk of falling prey to a crime.
  • Surprisingly, when juxtaposed against other Michigan communities, irrespective of their size, Waterford’s crime rate is lower than every single one of them, which is a statistic of significant importance.
  • A close examination of cities and towns across America with a population mirroring that of Waterford reveals that its crime rate is strikingly one of the lowest for its size. This positions Waterford as one of the nation’s safest locations based on population size.

Violent Crime Insights:

  • Violent Crime Rate: Despite the generally favorable statistics, it's noteworthy that Waterford's violent crime rate surpasses that of most U.S. communities, regardless of their size. Specific violent crimes like armed robbery, aggravated assault, rape, and murder place Waterford residents at a 1 in 447 risk of victimization. Translated, this represents a rate of 2 violent crimes for every 1,000 residents. Such data suggests a relatively elevated risk of violent crime in Waterford.

Property Crime Insights:

  • Property Crime Rate: Analyzing property-specific crimes in Waterford, including burglary, larceny (valued at $50 or more), grand theft auto, and arson, the rate is determined to be 8 per 1,000 residents. This places Waterford's property crime rate squarely at the national average for U.S. cities and towns of all population sizes.

Waterford's crime statistics present a dichotomy: while its overall and property crime rates align closely with national averages, and it fares exceptionally well in population-adjusted comparisons, its violent crime rate stands out as a concern. It's essential to interpret this data within Waterford's broader community and socio-economic contexts, enabling both residents and potential visitors to make informed decisions. As always, individual safety measures and awareness play crucial roles in navigating any community.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

Check Availability of all Applicable Discounts:

Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!

Coverage for Relocation:

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.

Endorsements:

Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.

Payment Options:

Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.

Underwriting Process:

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing 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 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.

Mobile Homes program

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 Manufactured Housing Commission

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.

Coastal Property Insurance Pool

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.

Know your rights!

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?

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.

Finding A Manufactured Home or Community in Waterford Township, MI

When looking for a manufactured home dealer or manufacturer in Waterford Township, MI, there are several reputable options to consider.

Mall Mobile Park

Address: 20 North Tilden Avenue, Waterford, MI 48328
Description: Mall Mobile Park is an all-ages manufactured home community located in Waterford, MI. The community features narrow streets and is approximately 0.6 miles from water and 1 mile from a golf course. Additional details are limited.

Robbins Mobile Village

Address: 3300 Elizabeth Lake Road, Waterford, MI 48328
Availability: 1 Home for Sale, Rental Homes Available, Vacant Sites Available
Description: Robbins Mobile Village is an all-ages manufactured home community located in Waterford, MI. The community has some restrictions on pets, allowing only cats and birds. Dogs are not permitted. It features narrow streets and is approximately 0.3 miles from water and 1 mile from a golf course.

White Lake

Address: 2709 Capitol Avenue, Warren, MI 48091
Availability: No specific homes listed Description: Shadylane Mobile Home Estates is an all-ages community with limited details provided. It's located in Warren, MI, and allows pets with additional details not specified.

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 Waterford Township, MI

When it comes to getting mobile home insurance in Waterford Township, 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: Waterford Township includes properties along various lakes. This endorsement provides enhanced flood insurance tailored to lakefront properties, covering damages from lake flooding.
  • Reasoning: If you have recreational equipment such as boats or jet skis, this coverage offers liability protection for accidents or injuries that might occur while using these assets on lakes.
  • Reasoning: If you run a home-based business, this endorsement offers coverage for business equipment, inventory, and liability related to your business operations.
  • Reasoning: If you have custom decks or patios, this coverage addresses the cost of repairs or replacements in case of damages.
  • Reasoning: If you use your RV for water-based activities on the lakes, this endorsement offers liability protection for accidents or injuries that might occur while using RV-based watercraft.
  • Reasoning: Michigan winters can be harsh. This coverage provides protection for your RV while it’s in storage during the winter months, including damages caused by weather or theft.
  • 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 Waterford Township MI, don't hesitate to get a CoverTree quote now.

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