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

Welcome to Adrian, Michigan– where history, art, and education converge in Michigan's Heartland!

Nestled in the southeastern corner of Michigan's lower peninsula, Adrian stands as a beacon of rich heritage, artistic endeavors, and academic prowess. It's a city where the echoes of yesteryears seamlessly blend with contemporary vibrancy, creating a tapestry of experiences that resonate with both locals and visitors.

Adrian's roots trace back to the early 19th century when it was established as a key hub for the region's milling industry. The town quickly flourished, its growth fueled not just by industry but also by the railway lines that intersected here, connecting Adrian to larger narratives of American progress and exploration.

One cannot delve into Adrian's history without acknowledging its role in the Underground Railroad. The city served as a sanctuary for those fleeing the clutches of slavery, with several local sites playing pivotal roles in this clandestine network of freedom. Today, these sites stand as solemn reminders of Adrian's commitment to liberty and justice.

At the heart of Adrian's modern identity is its emphasis on arts and culture. The Croswell Opera House, a gem from the 19th century, is Michigan's oldest continuously operating theater. Over the decades, it has welcomed countless patrons, serving as a stage for theatrical wonders, musical marvels, and community gatherings.

The city's commitment to nurturing minds is palpably felt in its educational institutions. Adrian College and Siena Heights University, both rooted deeply in the city's fabric, have long been centers of academic excellence, research, and community engagement. Their campuses, brimming with historic buildings and modern amenities, reflect Adrian's blend of tradition and innovation.

Nature too has generously graced Adrian. Heritage Park, with its verdant expanses, walking trails, and serene lakes, invites both contemplation and recreation. Whether it's a leisurely stroll amidst autumn's fiery hues or a spirited game on its fields, the park is Adrian's nod to the timeless beauty of Michigan's landscapes.

The city's festivals and events, like the annual Artalicious, celebrate its diverse talents and communal spirit. Streets come alive with art, crafts, music, and gastronomic delights, drawing residents and tourists into a vibrant dance of colors, sounds, and flavors.

Speaking of flavors, Adrian's culinary landscape is as varied as its history. From classic American diners echoing the bygone era to contemporary eateries serving global delicacies, the city offers a gustatory journey that complements its rich tapestry of experiences.

An often-overlooked facet of Adrian is its commitment to innovation and entrepreneurship. Throughout its history, from milling to manufacturing, the city has been home to visionaries and trailblazers, a tradition that continues to this day with its thriving local businesses and startups.

In the broader story of Michigan, Adrian emerges as a city that cherishes its roots, celebrates its present, and looks ahead with optimism. It's a place where history is etched into every brick, art finds expression at every corner, and the pursuit of knowledge is a cherished endeavor. For those seeking a blend of Midwestern warmth, historical depth, and contemporary zest, Adrian, Michigan, extends a heartfelt invitation.

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 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 Adrian, MI.

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

Weather Risks:

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

Severe Amount of Snowfall: Adrian often experiences a hefty dose of snowfall, typical of the Michigan climate. This can lead to road closures, hindered transportation, and strains on infrastructure. Snow accumulation can put stress on roofs, particularly on older buildings, and make day-to-day tasks like driving or even walking challenging.


Ice or Freezing Rain: Along with snow, ice or freezing rain is a frequent visitor. This can lead to treacherous road conditions, with black ice being particularly hazardous. Icy conditions can also result in slips and falls, posing a significant risk to pedestrians. Furthermore, the weight of ice accumulation can lead to broken tree limbs, which can cause property damage or block roadways.

Downed Power Lines: Heavy snow, ice accumulation, or strong winds often result in downed power lines in the area. This not only poses immediate dangers but can lead to extended power outages. Without electricity, many households can be left without heat or means to cook, making it crucial to have backup power options or emergency plans in place.


Loss of Heat, Power, or Water Service: Alongside the threat of downed power lines, Adrian’s severe weather can lead to the loss of essential services. The extreme cold can freeze water pipes, causing them to burst, leading to potential water damage and loss of water service. Extended power outages can also impact heating systems, leaving residents vulnerable to the cold.

Storm Timing and Duration: The onset and duration of a storm can amplify its impacts. If a severe snowstorm hits during rush hour, for instance, it can cause traffic chaos and increase the risk of accidents. Extended storms can strain resources and hinder response and recovery efforts.


Dangerous Temperatures: Michigan winters can be brutally cold, and Adrian is no exception. Dangerous temperatures can pose severe health risks, particularly hypothermia and frostbite. It’s crucial for residents to have adequate heating, wear appropriate winter clothing, and limit exposure during extreme cold spells.

Recommended Adrian Neighborhoods:

Property Crime Rates in Adrian, MI.

Adrian, Michigan, presents a unique crime profile that warrants careful consideration for its residents and potential visitors. With its higher-than-average crime rate, understanding the nature and extent of criminal activity in the area is crucial. Let's dive into a detailed breakdown of the crime patterns in Adrian.

Adrian’s crime rate stands significantly higher than the national average for all American communities. With a rate of 27 crimes per one thousand residents, the city exhibits a pronounced susceptibility to crime, although it doesn’t rank among the very highest in crime rates. In Adrian, the chance of becoming a crime victim is 1 in 37.

When viewed within the broader context of Michigan, Adrian’s crime situation becomes more alarming. The city has a crime rate surpassing 92% of other cities and towns of all sizes in the state.

A crucial perspective emerges when comparing Adrian to other similarly sized communities. Despite its size, Adrian’s crime rate (both violent and property crimes) stands out as considerably higher than the average.

A Closer Examination: Violent vs. Property Crimes:

Adrian’s crime rate stands significantly higher than the national average for all American communities. With a rate of 27 crimes per one thousand residents, the city exhibits a pronounced susceptibility to crime, although it doesn’t rank among the very highest in crime rates. In Adrian, the chance of becoming a crime victim is 1 in 37.
The narrative of elevated crime rates continues when examining property crimes in Adrian. With a rate of 20 per one thousand residents, individuals in Adrian face an above-average risk of becoming victims of property crimes like motor vehicle theft, arson, larceny, or burglary. Specifically, the likelihood of encountering a property crime in Adrian is 1 in 49.

In summary, while Adrian offers many opportunities and benefits as a community, its elevated crime rates, both violent and property-related, are areas of concern. These statistics underscore the importance of proactive community policing, resident awareness, and engagement in fostering a safer environment.

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!

Review the Claims Process:

Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.

Get Some Quotes:

Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.

Look Over the Details:

Don't forget to read over the details of each plan carefully. Check for any exclusions, see what your deductible would be, and look for optional extras that could be covered like flood insurance. The more informed you are, the better you'll be able to choose.

Check Customer Reviews:

Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.

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.

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?

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 Adrian, MI

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

Sterling Estates

Address: 1203 Division Street, Adrian, MI 49221
Offers beautiful, quality homes at affordable prices
Conveniently located near various cities including Ann Arbor, Blissfield, Chelsea, Dundee, Jackson,
Manchester, Milan, Monroe, Tecumseh, Saline, and Toledo, Ohio
Provides home sites for lease and homes for sale or lease with an option to purchase
Current Promotion: Buy a home and get a NEW washer and dryer or 3 months lot rent FREE!

Maple Woods MHC

Address: 1550 West Beecher, Adrian, MI 49221
Offers comfortable manufactured homes in a peaceful community Amenities include planned community events, landscaping, swimming pool, playground, and on-site maintenance

Friendly Village of Adrian

Address: 1100 S Main St, Adrian, MI 49221
Located between Ann Arbor and Toledo, OH, with proximity to the University of Michigan, sports venues, and hospital
Features a Gazebo, play area, and close to restaurants and attractions

Alpine Village

Address: 3601 Alpine Drive, Midland, MI 48642
Offers brand-new homes with modern features
Amenities include basketball/pickleball court, barbecue area, clubhouse, storage shed rental, RV parking, and more
Nearby attractions include Midland Mall, Midland Center for the Arts, Dow Gardens, Whiting Forest, and more Current Promotion: Save up to $5,000 during their Buy Now Save Now sales event

Hidden River North

Address: 975 Beecher Road, Adrian, MI 49221
Offers a variety of homes with amenities like a basketball court, billiard room, planned social activities, and more

Hidden River South

Address: 3251 South Adrian Highway, Adrian, MI 49221
Features a basketball court, library, on-site sales office, and more
Pets allowed with restrictions

These communities offer a range of options for manufactured home living in Adrian, MI, with various amenities, promotions, and features to suit different preferences and needs.
Remember to reach out directly to each dealer or community 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 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 Adrian, MI

When it comes to getting mobile home insurance in Adrian, 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:

Significance: Adrian experiences heavy snowfall during winters, leading to ice dams on roofs. This coverage addresses potential damages caused by ice dams, ensuring your property is protected from related risks.

Significance: Wildlife encounters, such as deer collisions or damage caused by rodents, can be common in Adrian. This coverage helps cover repairs resulting from these incidents, minimizing the financial burden.

Significance: Cold winters in Adrian can lead to frozen pipes and subsequent water damage. This coverage helps cover repair costs due to burst or frozen pipes, protecting your mobile home.

Significance: RVs stored during colder months might be susceptible to temperature-related damages. This coverage addresses damages that might occur due to temperature fluctuations in storage facilities.

Significance: Hailstorms are common in Adrian. This coverage specifically addresses small dents and damages caused by hail, ensuring your RV remains in good condition.

Significance: RV owners frequently use local campgrounds. This coverage provides liability protection in case someone is injured while visiting your RV at a campground in Adrian.

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



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