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

Welcome to Auburn Hills, Michigan– a place where automotive legacy meets modern marvels in the heart of Oakland County! Found within the dynamic landscape of Oakland County, Auburn Hills is a testament to Michigan's industrial prowess and its ability to seamlessly evolve into a modern, forward-looking community. With a rich automotive heritage juxtaposed against state-of-the-art facilities and a commitment to green spaces, Auburn Hills showcases the perfect blend of historical significance and contemporary innovation.

At the core of Auburn Hills' identity is its storied automotive lineage. As the home to several leading automobile manufacturers and suppliers, the city has played a pivotal role in driving the American dream on wheels. The presence of major corporations, including the global headquarters of Fiat Chrysler Automobiles (FCA), emphasizes Auburn Hills' importance in the global automotive landscape.

Yet, Auburn Hills is much more than just engines and innovations. It's a city that places a strong emphasis on community and the environment. The Clinton River winds its way through Auburn Hills, offering picturesque views and avenues for recreational activities. Parks such as Riverside Park and Hawk Woods Nature Center provide residents and visitors alike with expansive green spaces, walking trails, and a much-needed respite from urban hustle. Here, nature thrives amidst industry, and the city's commitment to maintaining these natural havens is evident.

Education and learning are also at the forefront of Auburn Hills' ethos. Institutions like Oakland University offer not only academic excellence but also cultural events, athletic competitions, and community engagement initiatives. The vibrancy of student life at the university complements the city's industrial backdrop, creating a melting pot of ideas, cultures, and aspirations.

The city's downtown area is a bustling hub of activity, where historic buildings coexist with modern establishments. Quaint shops, diverse eateries, and community events make it a lively focal point for both residents and visitors. Whether you're indulging in a gastronomic journey, shopping for unique trinkets, or simply soaking in the ambiance, downtown Auburn Hills promises a memorable experience.

Community events in Auburn Hills reflect its vibrant spirit and diverse populace. From the summer concerts at the amphitheater to the annual tree lighting ceremony during the holiday season, there's always something happening that brings the community together in celebration.

One of the unique attributes of Auburn Hills is its commitment to inclusivity and progress. The city has consistently championed economic development while ensuring that the benefits permeate throughout the community. This balance of business growth and community well-being is a hallmark of Auburn Hills' governance.

Auburn Hills stands as a shining example of how cities can honor their industrial legacies while embracing the future with open arms. It's a place where innovation meets community, where history is cherished, and where every street, building, and green space tells a story of progress and perseverance. For those looking for a blend of industrial might, academic vigor, community warmth, and environmental consciousness, Auburn Hills, Michigan, is an unparalleled destination.

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 Auburn Hills, MI.

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

Weather Risks:

Auburn Hills is a dynamic city with various weather challenges. With a particular vulnerability to certain severe weather phenomena, residents and visitors alike need to be well-informed and prepared to tackle these conditions. Here's an in-depth exploration of Auburn Hills' key weather risks:

Scattered Thunderstorms: Auburn Hills often experiences scattered thunderstorms, which can bring heavy rainfall, lightning, and strong winds. With a forecast predicting a 42% chance of such thunderstorms, it’s essential to be vigilant. Residents should secure loose outdoor items, ensure that their drainage systems are unblocked, and stay indoors away from windows during a storm. Lightning strikes can pose significant risks, so it’s crucial to avoid using electronic devices that are plugged in and refrain from bathing during the storm.

Tornado Index: Auburn Hills exhibits a notably higher tornado index than both the state and national averages. Ranking #172 suggests that the city has a significantly increased chance of tornado events. Residents should be well-acquainted with tornado preparedness steps, including recognizing the difference between a tornado watch and a warning. When a tornado warning is issued, it’s essential to seek shelter in a basement or an interior room on the lowest floor, away from windows, and cover oneself with a mattress or sturdy protection.

Winds From Storms: With over 2,000 incidents of thunderstorm-related winds, Auburn Hills witnesses gusty conditions that can wreak havoc, particularly when combined with other storm elements. These winds can down trees, power lines, and can even damage structures. To mitigate risks, residents should regularly trim tree branches near their properties and secure items that can become airborne projectiles. Additionally, having a power outage plan, including flashlights, candles, and battery-operated radios, can be invaluable during such storms.

Auburn Hills' geographical positioning makes it susceptible to a blend of severe weather conditions. By staying updated with local weather forecasts and adopting precautionary measures, the community can ensure safety and minimize potential damage. Regular checks on emergency supplies and having a clear emergency plan can go a long way in weathering any storm that comes Auburn Hills' way.

Recommended Auburn Hills Neighborhoods:

Property Crime Rates in Auburn Hills, MI.

Located in southeastern Michigan, Auburn Hills presents a mixed bag when it comes to crime statistics. While its crime rate isn't among the highest in the nation, it still registers considerably above the national average, raising concerns for its residents.

Auburn Hills has a crime rate of 21 crimes per one thousand residents. When compared on a broad national scale, this rate is elevated, although not among the very highest. A resident in Auburn Hills faces a 1 in 47 chance of becoming a victim of either violent or property crime.

When Auburn Hills is assessed within its state framework, the picture grows murkier. Auburn Hills surpasses 85% of Michigan’s cities and towns in crime rate, indicating a higher prevalence of criminal activity.

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.
Property crimes seem to be more of a concern for Allen Park. With a rate of 12 per one thousand residents, the town sees an above-average occurrence of crimes such as motor vehicle theft, arson, larceny, and burglary. This translates to a 1 in 83 chance for an individual in Allen Park to become a victim of property crime.

The data underscores the need for heightened vigilance and community efforts in Auburn Hills. Collaboration between local authorities, law enforcement, and residents could be the key to improving safety, driving down crime rates, and establishing Auburn Hills as a more secure place to live.

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.

Home Value:

The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.

Manufactured Home Insurance Coverage:

CoverTree offers insurance coverage specifically designed for manufactured homes in Michigan. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

Claims Process and Customer Service:

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

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
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 Auburn Hills, MI

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

College Heights

Address: 3501 Auburn Rd. Auburn Hills, MI 48326
All-age manufactured home community
Offers a top-rated school district
Close to Motor City Casino, Detroit Institute of Arts, Belle Isle Park
Convenient to local transportation and amenities
Pet-friendly community
A variety of activities and attractions nearby

Lake in the Hills

Address: 2700 Shimmons Road #239. Auburn Hills, MI 48326
Offers amenities like a clubhouse, playground, picnic area
Planned community activities Located in Auburn Hills
Close to dining, shopping, and more
Open during specific hours for visits

Oakland Estates

Address: 351 North Squirrel Road, Auburn Hills, MI 48326
All-age community with lake and wooded lots available
Centrally located near Oakland
University, Chrysler, VW Headquarters Easy access to I-59 and I-75
Community features lakes, parks, and trails
Pet-friendly community

Sheffield Estates:

Address: 165 S. Opdyke, Auburn Hills, MI 48326
Located 20 miles outside of Detroit
Resort-style swimming pool, basketball courts, lodge-style clubhouse
Fishing lakes for residents
Close to venues for live entertainment, cultural attractions, family-fun activities
Professional management staff
Offers a wonderful lifestyle community

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 Auburn Hills, MI

When it comes to getting mobile home insurance in Auburn Hills, 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: Auburn Hills has many trees, which can pose risks during storms. This coverage addresses damages caused by falling trees or branches, offering protection against potential property damage.

Significance: Wildlife encounters, such as deer collisions or damage caused by smaller animals, can be common in Auburn Hills. This coverage helps cover repairs resulting from these incidents, minimizing financial strain.

Significance: Sewer backups can occur due to heavy rainfall. This coverage helps cover damages caused by sewer backups, addressing a specific risk prevalent in the area.

Significance: Basements can be susceptible to flooding, especially during heavy rain. This coverage protects against damages caused by basement flooding, providing financial assistance for repairs.

Significance: Parking lots can be prone to accidents. This coverage addresses potential damages from collisions that might occur while your RV is parked, offering extra protection.



Significance: Preparing your RV for winter is important. This coverage helps cover costs related to winterizing your RV, including antifreeze, insulation, and other protective measures.



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

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