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Protecting Your Manufactured Home in Wyoming, MI.

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Disclaimer: Data Accuracy and Sources

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 Wyoming, MI: Costs, Coverage, and Considerations

Welcome to Wyoming, Michigan - a vibrant and diverse city located in Kent County. Wyoming offers a mix of residential neighborhoods, thriving commercial areas, and a range of recreational opportunities.

One of the highlights of Wyoming is its strong sense of community. The city is home to a diverse population, fostering a rich cultural atmosphere and a welcoming environment for residents from all walks of life. Wyoming places a high emphasis on community engagement and offers various programs and events that bring neighbors together, such as neighborhood associations, block parties, and seasonal festivals.

Wyoming is known for its well-maintained parks and green spaces. The city operates a comprehensive parks system, providing residents with numerous options for outdoor recreation. Pinery Park is a popular destination, with its large forested area, nature trails, picnic shelters, and playgrounds. Other parks, such as Lamar Park and Ideal Park, offer sports fields, walking paths, and community spaces for gatherings and events.

For shopping and dining, Wyoming has several commercial areas to choose from. The Rivertown Crossings Mall is a major shopping destination, offering a wide range of retail stores, restaurants, and entertainment options. Additionally, small businesses and national chains can be found throughout the city, providing residents with a variety of choices.

Wyoming is committed to providing quality education to its residents. The city is served by multiple school districts, including Wyoming Public Schools and Godwin Heights Public Schools. These districts offer a range of academic and extracurricular programs, ensuring that students have access to a well-rounded education.

Wyoming is also home to various healthcare facilities, ensuring residents have easy access to quality medical care. Metro Health - University of Michigan Health operates a hospital within the city, providing a comprehensive range of medical services. The city of Wyoming also offers convenient access to urban amenities. It is located just a short drive from downtown Grand Rapids, which is known for its vibrant arts and culture scene, diverse dining options, and a range of entertainment venues. Residents of Wyoming can easily enjoy the offerings of a larger city while residing in a more suburban environment. In summary, Wyoming offers a diverse community, extensive park systems, a range of shopping and dining options, quality education opportunities, and convenient access to urban amenities. Whether you're enjoying the city's parks, participating in community events, or exploring nearby Grand Rapids, Wyoming offers a welcoming and dynamic environment for residents and visitors alike.

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 Wyoming, MI.

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

Weather Risks:

Wyoming, MI has a tornado index higher than the state of Michigan and the U.S. average, indicating a heightened risk of tornado events.

Recommendations:

  • Have a tornado safety plan and ensure all family members are familiar with it.
  • During tornado warnings, seek shelter in the lowest part of your home, away from windows.
  • Consider investing in a storm shelter or safe room if possible.
  • Stay informed with weather updates during severe weather days.

With 109 recorded flood events, it’s evident that Wyoming, MI faces potential flooding concerns, often associated with heavy rain.

Recommendations:

  • Be aware if your residence is in a flood-prone area.
  • Clear drainage paths around your home.
  • During flood warnings, avoid travel, especially on flooded roads.
  • Consider flood insurance if not already in place.

With 153 heavy snow events and 107 winter storms, Wyoming, MI faces winter-related challenges.

Recommendations:

  • Ensure your home is winter-ready, including insulating pipes and having a sufficient heating source.
  • Keep emergency kits in both your home and vehicle during winter months.
  • Limit travel during winter storm warnings.

Residents of Wyoming, MI face various environmental challenges, primarily related to tornadoes, thunderstorm winds, and winter-related events. By staying informed and prepared, these risks can be managed effectively. It's essential to heed local advisories and prioritize safety for both individuals and the community.

Recommended Wyoming Neighborhoods:

  • Wyoming Southwest
  • Wyoming South
  • Pinnacle Dr SW / Chateau Dr SW
  • Wyoming North
  • Clyde Park Ave SW / Gezon Pkwy SW
  • Charles Lemery Park
  • Oriole Park
  • Wyoming Northeast
  • Prairie Park
  • Jackson Park

Property Crime Rates in Wyoming, MI.

For those considering the safety dynamics of Wyoming, Michigan, the following summary offers a brief overview based on the provided data:

  •  When contrasted against other American communities, from expansive urban sprawls to petite towns, Wyoming’s crime metrics are significantly above the national median. With a rate pegged at 20 incidents for every 1,000 residents, there’s a 1 in 49 chance for individuals in Wyoming to be targeted by crime.
  • Zooming into the context of Michigan, Wyoming doesn’t fare well. A significant 84% of Michigan’s communities, regardless of their sizes, report lower crime figures.
  • If we isolate Wyoming’s size and juxtapose its crime rate against similarly populated cities in the U.S, it manifests as a midpoint, neither alarmingly high nor commendably low. In a nutshell, when matched with its demographic peers, Wyoming’s crime status is predictable.

Violent Crime Insights:

  • Rate and Rank: Wyoming's violent crime statistics are particularly worrisome. The city's violent crime rate surpasses a vast majority of American communities, be they expansive cities or small towns. This category encompasses serious offenses like rape, murder, armed robbery, and aggravated assault. Breaking it down, residents in Wyoming face a 1 in 181 probability of encountering a violent crime.

Property Crime Insights:

  • Rate and Vulnerability: At 15 incidents per 1,000 people, Wyoming's property crime rate exceeds the national average, highlighting an elevated risk for residents. Under this umbrella, crimes such as motor vehicle theft, arson, larceny, and burglary are included. To translate this into tangible risk, if you're a Wyoming resident, there's a 1 in 68 chance you'll be a victim of property crime.
  • Motor Vehicle Theft: A standout in Wyoming's crime statistics is its exceptionally high rate of motor vehicle theft. As per the data, it's among the highest in the nation, irrespective of community size. Specifically, Wyoming residents face a 1 in 200 risk of their vehicles being stolen.

The crime landscape in Wyoming, MI, is marked by a higher-than-average rate, especially concerning when considering its violent crime statistics. This elevated risk profile, particularly the motor vehicle theft metric, underscores the importance of residents taking extra precautions. As always, proactive community initiatives and individual vigilance can play a significant role in enhancing overall safety.

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.

Local Ordinances or Laws:

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

Insurance Company Reputation:

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

Seek Professional Advice:

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

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.

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 Wyoming, MI

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

Pinebrook Village

Address: 444 Bellewood Street SE, Grand Rapids, MI 49548
Availability: 3 Homes for Sale, Rental Homes Available, Vacant Sites Available
Pet Policies: Dogs/cats allowed for $5/animal
Description: Pinebrook Village is an all-ages manufactured home community in Grand Rapids. It features a community room, on-site customer service staff, off-street parking, a playground, clubhouse, sidewalks, and more. The community was built in 1965 and consists of 185 sites. It is located about 4.1 miles from water, 3 miles from golf, and 2 miles from parks.

Camelot Manor

Address: 170 Camelot Blvd, Grand Rapids, MI 49548
Availability: 6 Homes for Sale, Rental Homes Available
Pet Policies: Breed restrictions apply Description: Camelot Manor is a manufactured home community located in Grand Rapids. It offers a quiet community in a great location. The community features a clubhouse, swimming pool, playground, and more. It was built in 1970 and consists of 335 sites. It is approximately 3.2 miles from water, 2 miles from golf, and 2 miles from parks.

Holiday Estates

Address: 440 68th St. SW, Grand Rapids, MI 49548
Availability: 3 Homes for Sale, Vacant Sites Available
Pet Policies: Contact community for details
Description: Holiday Estates is a unique all-ages manufactured home community designed for convenience. It has a professional management staff, off-street parking, a clubhouse, playground, and recreational facilities. The community was established in 1998 and consists of 204 sites. It is approximately 3.4 miles from water, 1 mile from golf, and 2 miles from parks.

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 Wyoming, MI

When it comes to getting mobile home insurance in Wyoming, 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: Wyoming residents concerned about property crime can benefit from this endorsement, which provides coverage for the installation and maintenance of security cameras on your property.
  • Reasoning: Michigan can experience tornadoes. This endorsement offers funds for the construction or retrofitting of a tornado safe room for your mobile home or RV.
  • Reasoning: If you have extended family members living with you, this endorsement offers increased liability coverage to protect your family and assets.
  • Reasoning: Mobile home skirting and anchoring are crucial for stability. This coverage addresses damages or repairs needed for skirting and anchoring systems.
  • Reasoning: Michigan experiences hailstorms. This coverage provides additional protection for your RV against hail damage, including dents and structural damage.

Reasoning: If you travel with pets in your RV, this endorsement offers liability protection for incidents involving your pets while on the road or at campsites.

  • 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 Wyoming MI, don't hesitate to get a CoverTree quote now.

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