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

Welcome to West Bloomfield Township, Michigan- a bustling city that offers a perfect blend a picturesque community known for its scenic beauty, affluent neighborhoods, and a strong sense of community. Located in Oakland County, West Bloomfield Township offers a suburban lifestyle with close proximity to natural landscapes and urban amenities.

One of the highlights of West Bloomfield Township is its stunning natural surroundings. The township is home to several lakes, including the popular Cass Lake, Orchard Lake, and Pine Lake. These bodies of water provide residents with opportunities for boating, fishing, and various other water activities. With their serene shores and beautiful vistas, these lakes offer a tranquil escape from the hustle and bustle of daily life.

West Bloomfield Township also boasts an extensive parks system. Marshbank Park, for example, is a favorite among locals with its nature trails, picnic areas, and playgrounds. Residents can also enjoy outdoor activities at spots such as West Bloomfield Woods Nature Preserve and the West Bloomfield Trail, which offers a scenic pathway for walking, jogging, or biking.

In addition to its natural beauty, West Bloomfield Township is renowned for its affluent neighborhoods and prestigious residences. The township offers a range of housing options, from luxurious estates to charming suburban homes. The well-maintained streets and manicured lawns contribute to the township's overall appeal and creates a welcoming environment for residents and visitors alike.

West Bloomfield Township is also notable for its strong sense of community. The township hosts various community events and activities throughout the year, fostering a tight-knit atmosphere and a sense of belonging. From summer concert series at Marshbank Park to the West Bloomfield Farmers Market, residents have numerous opportunities to socialize, connect, and build meaningful relationships with their neighbors.

The township is also home to excellent schools, making it an attractive destination for families. The highly regarded West Bloomfield School District offers quality education and a wide range of programs for students of all ages. West Bloomfield Township Public Library is another community asset, providing resources and programming that promote literacy, learning, and community engagement.

While West Bloomfield Township offers a peaceful suburban lifestyle, it is also conveniently located near urban amenities. The township is within a short driving distance of downtown Detroit, where residents can enjoy cultural attractions, sporting events, shopping, and dining. Additionally, nearby cities like Birmingham and Troy offer a wide range of retail and entertainment options. Overall, West Bloomfield Township offers a combination of natural beauty, prestigious neighborhoods, community spirit, and convenient access to urban amenities. Whether you're enjoying the tranquility of the lakes, exploring the township's parks and nature preserves, or participating in community events, West Bloomfield Township offers a high quality of life and a strong sense of community.

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 West Bloomfield Township, MI.

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

Weather Risks:

West Bloomfield, MI is expected to experience severe weather today, with potential threats from wind, tornadoes, and hail. There is a specific warning regarding the possibility of large hail. The risk comes after an extended dry spell in the eastern U.S.

Recommendations:

  • Residents should stay updated with local weather reports.
  • Secure outdoor items to prevent them from being blown away or damaged.
  • Seek shelter in a safe place, especially during tornado warnings.
  • Stay indoors and avoid windows during hail storms.

West Bloomfield, MI has a higher tornado index than the state and national average, indicating an increased risk of tornado events.

Recommendations:

  • Residents should be familiar with tornado safety protocols.
  • Consider investing in a storm shelter or identify a safe room in the home.
  • Have an emergency kit ready with essentials.

Between 1950 and 2010, numerous weather extremes were recorded in the vicinity of West Bloomfield, MI. The most prevalent of these were thunderstorm winds, followed by events like hail, heavy snow, strong winds, and flooding.

Recommendations:

  • For hail events, it is wise to keep vehicles and valuable items sheltered.
  • Heavy snow may lead to disruptions in transportation and potential property damage. It’s essential to clear snow from roofs and pathways.
  • Strong winds can lead to power outages and falling debris. Secure any loose items around the property.
  • Given the significant number of flood events, residents should be familiar with local flood zones and consider flood insurance if necessary.

West Bloomfield, MI residents should remain vigilant, given the area's susceptibility to various weather extremes, especially tornadoes and thunderstorm-related events. By staying informed and prepared, they can mitigate potential damages and ensure safety. Regularly consulting local meteorological updates and familiarizing oneself with safety protocols for different weather events can be invaluable.

Recommended West Bloomfield Township Neighborhoods:

  • West Bloomfield North
  • Carlyle Xing / Chelsea Brg
  • Middlebelt Rd / Regent Dr
  • W Maple Rd / Bloomfield Glens Rd
  • Parkland Dr / Hartslock Woods Dr
  • Hardwoods Dr / Green Rd
  • West Bloomfield South
  • Bloomer Park
  • Middlebelt Rd / Bloomfield Shore Dr
  • Kingsfield Dr / S Piccadilly Cir

Property Crime Rates in West Bloomfield Township, MI.

For those interested in understanding the safety landscape in West Bloomfield, Michigan, let's review and dissect the provided data to get a well-rounded perspective:

  • West Bloomfield’s safety index is commendable. It outperforms 77% of all U.S. cities and towns when it comes to safety. Within Michigan’s borders, a mere 29% of communities can boast a lower crime rate, positioning West Bloomfield as a notably safe haven.
  • For those residing in West Bloomfield, the likelihood of being victimized by a crime is 1 in 204. To put that into context, the national average across various community sizes in the U.S. is 1 in 43. This notable difference in statistics underscores West Bloomfield’s standing as one of the top 100 safest cities nationwide.
  • On delving deeper into cities and towns with a demographic profile similar to West Bloomfield’s, the city emerges with flying colors. Its crime rate for its population size ranks among the nation’s lowest, highlighting West Bloomfield as a sterling example of safety in context.

Violent Crime Insights:

  • Violent Crime Rate: The violent crime rate in West Bloomfield stands at 1 per 1,000 residents, which aligns with the national average observed across communities of all sizes in America. This encompasses severe offenses like armed robbery, aggravated assault, certain categories of rape, and non-negligent manslaughter. Translated into odds, this means a West Bloomfield resident has a 1 in 874 chance of falling prey to violent crime - a statistic that gravitates towards the national mean.

Property Crime Insights:

  • Property Crime Rate: Turning the spotlight on property crimes, West Bloomfield's stats are more encouraging. The city's property crime rate dips below the national average, suggesting that residents face lower risks associated with arson, motor vehicle theft, larceny, and burglary. To break down the odds, living in West Bloomfield gives one a 1 in 267 chance of encountering a property-related crime.

West Bloomfield's crime statistics paint a reassuring picture for current and prospective residents. While its violent crime rate hovers around the national average, its overall and property crime rates are impressive, particularly when adjusted for its population size. These findings solidify West Bloomfield's reputation as one of the more secure communities not only in Michigan but also in the broader U.S. landscape. As always, individual awareness and proactive safety measures are the best line of defense in any community.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Review and Compare Policies:

Take the time to review and compare multiple insurance policies. Pay attention to the coverage limits, exclusions, and any additional optional coverages offered. Consider obtaining quotes from different providers to ensure you get the best coverage for your manufactured home, locally, at a competitive price.

Age and Condition of the Home:

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Coverage for Personal Belongings:

Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.

Regular Policy Review:

Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.

Talk to an Insurance Agent:

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

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 West Bloomfield Township, MI

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

Keego Harbor MHC

Address: 3170 Orchard Lake Road, Keego Harbor, MI 48320
Availability: Vacant Sites Available Description: Keego Harbor MHC is an all-ages manufactured home community located in Keego Harbor, MI. Pets are allowed, but vicious breeds are not permitted. The community is approximately 0.1 miles from water and 1 mile from parks.

Fawn Lake Estates

Address: 831 North Pontiac Trail, Walled Lake, MI 48390
Availability: 1 Home for Sale, Rental Homes Available
Description: Fawn Lake Estates is an all-age manufactured home
community located in Walled Lake, MI. The community offers brand-new homes with modern features. There are promotions available, including savings of up to $5,000 when purchasing a home. Pets are allowed. The community is approximately 0.1 miles from water, 3 miles from golf, and 7 miles from parks.

Dantes Manufactured Homes (North)

Address: Atlantic Street, Milford, MI 48381
Hours: 9:00 AM - 7:00 PM and by appointment
Description: Dantes Manufactured Homes (North) is a mobile home dealer located in Milford, MI. They have 10 homes for sale in the North region of Southeast Michigan. If you're looking to buy or sell a manufactured home in the area, they offer services and can provide a free home evaluation.

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 West Bloomfield Township, MI

When it comes to getting mobile home insurance in West Bloomfield 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: West Bloomfield is known for its wooded areas. This coverage addresses damages to your mobile home or RV caused by wildfires or fires in wooded regions.
  • Reasoning: If you park your RV near golf courses or golfing destinations, this endorsement offers liability protection for accidents or injuries that might occur while using golf course facilities.
  • Reasoning: If you operate a home office, this endorsement provides coverage for business equipment and supplies used for your work.
  • Reasoning: If you have extensive landscaping, this coverage addresses the cost of preserving and maintaining your outdoor property features.
  • Reasoning: If you have a luxury or custom RV, this endorsement offers additional coverage for the unique features and customizations in your RV.
  • Reasoning: If you frequently stay in campgrounds, this endorsement offers liability protection for accidents or injuries that might occur while using campground facilities.
  • 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 West Bloomfield Township MI, don't hesitate to get a CoverTree quote now.

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