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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 Birmingham, MI: Costs, Coverage, and Considerations

Located in Oakland County, Birmingham, Michigan is a charming city situated just 5 miles southwest of Troy and 17 miles northwest of Detroit. As part of the Detroit metropolitan area, Birmingham offers residents a prime location with access to various amenities and attractions.

Birmingham's history dates back to the 1807 Treaty of Detroit when Native American tribes relinquished the land that now comprises Southeast Michigan and northwest Ohio to the United States government. European settlers arrived in the area in 1819, and Birmingham was officially incorporated as a village in 1864. In 1933, it gained city status and was named after Birmingham, England.

Birmingham and its surroundings are home to several attractions for residents and visitors to enjoy. Notable destinations include Artspace II, Hunter House Museum, Troy Museum & Historic Village, Ferndale Historical Museum, Detroit Zoo, Cranbrook Art Museum, and Dodge 4 State Park. Birmingham also offers a wide range of recreational activities, with numerous parks featuring amenities like sledding hills, baseball diamonds, golf courses, nature trails, playgrounds, and picnic areas. The vibrant Shain Park hosts summer music concerts, village fairs, and art shows. Additionally, art enthusiasts can explore various galleries and museums such as Robert Kidd Gallery, Cowboy Trader Gallery, David Klein Gallery, Artspace II, and the Hunter House Museum.

Birmingham is supported by several educational institutions for higher learning. Birmingham Bible Institute, Oakland Community College - Bloomfield Hills Campus, University of Phoenix - Detroit Campus, Schoolcraft College, Lawrence Technological University, and Oakland University offer diverse educational opportunities to the local community.

Living in Birmingham offers an unparalleled blend of luxury, sophistication, and elegance. The city boasts an excellent school district, beautiful parks, and charming boutiques. From high-end shopping and exclusive restaurants to community events like the famous Woodward Dream Cruise, Birmingham is an ideal place to settle down and raise a family. Its central location provides easy access to the vibrant downtown areas of Birmingham, Royal Oak, and other nearby suburbs.

As one of Michigan's premier suburbs, Birmingham offers a wealth of possibilities for an upscale lifestyle. The tight-knit community and sophisticated atmosphere make this city highly desirable. Residents enjoy recreational activities, fine dining, and shopping opportunities. With its stunning mansions, picturesque tree-lined streets, and historic landmarks, Birmingham exudes a unique charm that is hard to resist. The city's convenient location and abundant amenities make it an ideal choice for anyone seeking upscale living in the heart of Michigan.

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 Birmingham, MI.

Choosing the right mobile home insurance for Birmingham, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

Weather Risks in Birmingham, MI

Birmingham, Michigan is susceptible to various weather risks that can impact the community and its properties. These risks include flooding, heat, wildfires, and severe winds.

Birmingham faces a moderate risk of flooding over the next 30 years.
Approximately 8% of all properties in Birmingham, totaling 318 properties, have a
greater than 26% chance of being severely affected by flooding. Flooding not
only damages properties but also has the potential to disrupt utilities, emergency
services, transportation, and the local economy.

The city also has a minor risk from heat. Heat risks are attributed to increasing
"feels like" temperatures. 100% of homes in Birmingham have a Moderate Heat
Factor, indicating the potential for heat-related stress and increased cooling
costs.

Birmingham has minor risks from wildfires and minimal risks from severe winds.
While these risks are present, they are not as prominent as flooding and heat.

Neighborhoods To Consider in Birmingham, MI

Birmingham is home to several neighborhoods with lower crime rates, contributing to its reputation as a relatively safe city. Some of the safest neighborhoods include:

  • Birmingham West
  • Howarth Park / Pierce-St. James
  • South Poppleton / City Center
  • Birmingham East
  • Birmingham Southwest
  • Barnum Park
  • Torry Community Assoc / Triangle District

Property Crimes

In terms of property crimes, Birmingham reports rates per 1,000 population as follows:

  • Burglary: 0.41 incidents per 1,000
  • Theft: 4.96 incidents per 1,000
  • Motor Vehicle Theft: 0.83 incidents per 1,000

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 in your area at a competitive price.

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.

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 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!

Keep This In Mind

By considering these factors and taking the time to research and compare insurance providers, you can choose the best manufactured home insurance in Birmingham, MI that aligns with your needs and provides the protection and peace of mind you deserve. 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?

Manufactured homes account for approximately 10% of Michigan's housing stock.

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 in Birmingham, MI

    When it comes to finding the best dealerships or mobile home manufacturers to get a manufactured or mobile home in Birmingham, there are a few options worth considering. These dealerships and manufacturers offer a range of homes and provide a high level of quality and customer service:

    Modern Housing Corporation

    A well-established local retailer in Birmingham, Modern Housing Corporation offers a wide range of manufactured homes from reputable manufacturers. They have a knowledgeable staff who can guide you through the purchasing process and help you find the perfect home to meet your needs and budget.

    Oakwood Homes

    As a national manufactured home retailer, Oakwood Homes has a strong presence in Birmingham, MI. They offer a variety of manufactured homes from different manufacturers, giving you plenty of options to choose from. Their experienced sales team can provide you with personalized assistance and help you find a home that suits your style and preferences.

    Clayton Homes

    Skyline Homes is a leading manufacturer of manufactured and modular homes with a strong reputation for craftsmanship and attention to detail. They offer a range of home styles and a range of floor plans that allow you to choose a home that best fits your needs. Whether you're looking for a comfortable single-section home or a spacious multi-section home, Skyline Homes has options to suit various preferences. Their dedication to customer satisfaction makes them a reliable choice for purchasing a manufactured or mobile home in Ann Arbor.

    Birmingham Estates

    This manufactured home community in Birmingham, MI, offers a unique living experience for residents. It provides a well-maintained and safe environment with various amenities such as recreational areas, community events, and on-site management. Birmingham Estates offers a range of homes for sale or rent, allowing residents to find the perfect home within the community.

    Kensington Meadows

    Located in the outskirts of Birmingham, Kensington Meadows is a sought-after manufactured home community. It offers a peaceful and picturesque setting with spacious lots and beautiful landscaping. The community features amenities like a clubhouse, swimming pool, and playgrounds. Kensington Meadows provides a welcoming and tight-knit community atmosphere for its residents.

    When considering purchasing a manufactured home or finding a community, it is essential to do thorough research, visit the locations in person, and reach out to others who have experience with these retailers, manufacturers, dealers, and communities. This will help you make an informed decision and find the best fit for your needs and lifestyle in Birmingham, MI.

    Finding the Best Mobile Home Insurance Ann Arbor, MI?

    Choosing CoverTree’s insurance means you get:

    Dwelling

    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.

    Liability

    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 Birmingham, MI?

    When it comes to getting mobile home insurance in Birmingham, understanding the different coverage options is essential to ensure your precious investment is well protected. The average coverage for a mobile home in Birmingham is $1,200. Let's take a peek at the types of coverage available for a manufactured or pre-fab home in Birmingham, MI:

    This coverage protects the physical structure of your
    manufactured home against risks such as fire, windstorm, hail, vandalism, and other
    named perils.

    Appurtenant structures coverage protects an structures attached to or adjacent to your manufactured home, such as garages,
    carports, sheds, or decks.

    This coverage protects your personal belongings within your manufactured home, including furniture, appliances, electronics, clothing, and
    other items, against risks like theft, fire, or damage.

    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.
    Liability coverage provides financial protection if someone is injured on your property and holds you responsible for the injury. It covers legal fees and any settlements or judgments against you.
    If your home becomes uninhabitable due to a covered loss, additional living expenses coverage can help with the cost of temporary housing, meals, and other accommodation expenses.
    Replacement cost coverage ensures that if your home or personal belongings are damaged or destroyed, they will be replaced with new items of similar kind and quality, without taking depreciation into account.
    Depending on the location of your manufactured home, you may need separate flood insurance to protect against flood-related damages. Standard homeowners insurance policies typically do not cover flood damage.
    Similar to flood insurance, earthquake insurance is important for homeowners in areas prone to seismic activity. It provides coverage for damages caused by earthquakes or earth movements.
    This coverage helps cover the cost of rebuilding or repairing your manufactured home in compliance with current building codes, which may have changed since your home was originally built.
    An umbrella policy provides additional liability coverage that goes beyond the limits of your standard homeowners insurance. It can provide higher levels of protection in case of major accidents or lawsuits.
    Some insurance companies offer optional coverage for identity theft, which can help you recover financial losses or expenses related to identity theft.

    Now that you've got the lowdown on mobile home insurance coverage in Birmingham, MI, don't hesitate to get a CoverTree quote now.

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