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Protecting Your Manufactured Home in Chesterfield Township, MI.

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A Guide to Mobile Home Insurance in Chesterfield Township, MI: Costs, Coverage, and Considerations

Welcome to Chesterfield Township, Michigan– where navigating the nonfluence of lakeside charm and modernism is a daily joy! Lying gracefully along the western shores of Lake St. Clair, Chesterfield Township embodies Michigan's alluring blend of waterfront beauty and burgeoning suburban life. This part of Macomb County, with its azure waters, lush expanses, and a community knit together by shared values, beckons both residents and visitors to immerse themselves in the Chesterfield experience.

Tracing back to its origins, Chesterfield Township was forged by pioneers who recognized the land's rich potential. Over the years, the region evolved from agrarian landscapes to a township with a harmonious mix of residential charm and economic progress. Yet, its heart has always resonated with the rhythm of the lake, a constant companion to its changing story.

One cannot mention Chesterfield without paying homage to Lake St. Clair. A haven for boating, fishing, and myriad water activities, the lake offers recreational opportunities that invigorate the soul. Brandenburg Park, with its picturesque shoreline, playgrounds, and concert spaces, stands as a testament to the township's dedication to preserving and celebrating its lakeside heritage.

Chesterfield's dedication to community well-being and development is palpable in its public spaces and institutions. Schools in the township emphasize a holistic approach to education, ensuring that the next generation is well-equipped not just with knowledge, but also with character and a sense of civic duty.

History holds a special place in the heart of Chesterfield Township. The local historical society diligently preserves the relics and tales of bygone eras, ensuring that new generations can understand and respect the township's journey. Landmarks, such as old farmhouses and heritage sites, whisper stories of the past, seamlessly blending with the modern architectural marvels that now dot the landscape.

The culinary scene in Chesterfield Township offers a delightful array of choices. From lakeside diners where you can catch a glorious sunset with your meal, to contemporary establishments showcasing culinary innovation, there's something to satiate every palate. The local farmers' markets and festivals further emphasize the township's commitment to local produce and culinary traditions.

Community spirit shines brightly here. Through events, gatherings, and local celebrations, Chesterfield consistently showcases the unity, pride, and collective ambition of its residents. The seasonal events, especially those centered around the lake, draw crowds from all over Michigan, turning the township into a vibrant mosaic of cultures and experiences.

In the grand narrative of Michigan, Chesterfield Township emerges as a unique blend of natural allure and modern-day dynamism. It's where the waters of Lake St. Clair greet morning joggers, where history and progress dance in harmonious steps, and where community isn't just a word, but a way of life. For those seeking to experience the magic of Michigan's lakeside towns infused with the vibrancy of suburban growth, Chesterfield Township awaits with open arms and countless stories.

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 Chesterfield Township, MI.

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

Weather Risks:

Chesterfield Township, MI, like many parts of Michigan, is susceptible to various severe weather conditions. For mobile home owners, these conditions can pose significant threats due to the nature of their homes' construction. Mobile homes, often not anchored to permanent foundations, can be especially vulnerable to severe weather. Here are three natural weather risks that would most threaten mobile home owners in Chesterfield Township:

Overview: Tornadoes are violent windstorms characterized by a twisting, funnel-shaped cloud. They are capable of tremendous destruction with wind speeds of up to 300 mph.

 

Harm they cause:

  • Physical Damage: Mobile homes are particularly vulnerable to tornadoes. Even if they are tied down, they can be completely destroyed by tornado winds.
  • Loss of Life and Injury: Due to the relatively lightweight construction of mobile homes compared to traditional brick and mortar houses, residents are at a higher risk of injury or death during a tornado.
  • Displacement: After a tornado strike, mobile home residents may be displaced from their homes for extended periods, leading to various socio-economic challenges.
  • Overview: Winters in Michigan can be intense, bringing with them heavy snowfall and ice storms. Accumulation of snow and ice can have detrimental effects on structures, especially mobile homes.

     

    Harm they cause:

    • Roof Collapse: The roofs of mobile homes might not be as structurally sound as those on traditional homes. Heavy snow accumulation can lead to the risk of roof collapses.
    • Frozen Pipes: Mobile homes often have less insulation, making their plumbing more vulnerable to freezing conditions. Frozen pipes can burst, causing water damage.
    • Limited Mobility: Mobile home parks might not be the first to be plowed or de-iced after a major snowstorm, limiting residents’ ability to leave or get necessary supplies.
  • Overview: While not as intense as tornadoes, severe thunderstorms can bring with them high winds, heavy rainfall, hail, and lightning.

     

    Harm they cause:

    • Structural Damage: High winds can cause damage to the siding, roof, and overall structure of mobile homes. Mobile homes can be overturned or shifted off their foundations by particularly strong gusts.
    • Flooding: Heavy rainfall can lead to localized flooding, especially if the mobile home is situated in a low-lying area. Flooding can lead to water damage inside the home and can undermine the stability of the ground the home is placed on.
    • Hail Damage: Hail can cause damage to the roof, windows, and siding of mobile homes. Depending on the size of the hail, it can lead to significant repair costs.

For mobile home owners in Chesterfield Township, it's imperative to stay informed about weather forecasts, especially during seasons when these severe weather events are more common. Having an emergency plan and taking precautions, such as anchoring the mobile home or reinforcing its structure, can reduce the risks associated with these weather threats.

Recommended Chesterfield Township Neighborhoods:

Property Crime Rates in Chesterfield Township, MI.

Chesterfield Township presents its own unique safety profile. When considering its crime statistics in relation to national and state standards, we gain a comprehensive understanding of its security dynamics.

  • Chesterfield stands out positively when analyzed within a national context. With 81% of American cities, towns, and villages reportedly having higher crime rates, Chesterfield Township showcases itself as safer than the majority. 
  • When evaluated within the Michigan landscape, it continues to fare well, proving safer than 76% of communities in the state. 
  • In tangible terms, while the national risk of becoming a victim of crime is 1 in 43, in Chesterfield Township, this risk is significantly reduced to 1 in 241.
  • By juxtaposing Chesterfield Township with other American cities and towns of analogous population sizes, Chesterfield Township’s crime rate is among the lowest in the nation. 
  • This establishes the township as a notably safe habitation choice for its size.
  • Chesterfield Township’s violent crime rate is registered at 1 for every thousand residents. 
  • This is approximately on par with the national average for all U.S. communities, regardless of their population sizes. 
  • Violent crimes accounted for in this rate encompass offenses like armed robbery, aggravated assault, non-statutory rape, and murder or non-negligent manslaughter. 
  • In Chesterfield Township, the odds of becoming a victim of a violent crime stand at 1 in 753, which mirrors national figures.
  • A dive into Chesterfield Township’s property crime metrics reveals another positive narrative. 
  • The township’s property crime rate is less than the average seen across all U.S. cities and towns. 
  • Hence, residents of Chesterfield Township face a lower likelihood of becoming victims of crimes like arson, motor vehicle theft, larceny, or burglary. 
  • In terms of risk, the chance stands at 1 in 354.

Extended Coverage on Jewelry and Furs:

What it is: Additional insurance for valuable items like jewelry and furs, going beyond standard coverage limits.

Why it's needed: Valuable items can have costs that exceed standard policy limits, making this essential for full compensation.

Refrigerated Property Coverage:

What it is: Coverage for products in fridges/freezers that become unusable due to power outages or equipment malfunctions.

Why it's needed: Food spoilage can lead to significant costs, especially after major outages.

Extended Excess Liability:

What it is: Augments the liability limits for heightened protection.

Why it's needed: In scenarios where potential liabilities exceed standard coverage, this offers additional financial safety.

Credit Card and Fund Transfer Card:

What it is: Provides protection against unauthorized transactions on credit or fund transfer cards.

Why it's needed: With increasing cyber threats and fraud, this coverage gives homeowners peace of mind against potential financial losses.

Fire Department Service Charge:

What it is: Provides coverage for fees incurred when the fire department is called to protect or save insured property.

Why it's needed: Some municipalities charge homeowners for fire department services. This coverage ensures homeowners don't bear this additional financial burden.

Lock Replacement:

What it is: Covers the expense of replacing locks if keys are stolen.

Why it's needed: To maintain security if keys are lost or stolen, especially in cases of potential targeted theft.

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 Chesterfield Township, MI

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

Fairchild Lake

Fairchild Lake is an all-age manufactured home community located in Chesterfield Township.
The community offers a private lake, a renovated clubhouse, fitness center, recreation area, basketball & volleyball courts, picnic area with grills, and more.
It's situated near Lake Tranquility and is close to I-94 and M-59. The community features amenities like a playground, clubhouse, fitness center, and more.

Millstone Pond

Millstone Pond is a beautiful community situated in Lenox, MI, close to Chesterfield Township.
It features a private pond, wooded acres, large well-maintained home sites, a pool, fitness center, clubhouse, and two playgrounds.
The community is located near Lake St. Clair and offers amenities like a pool, fitness center, clubhouse, and playground.

Pine Crest Estates MHC

Pine Crest Estates MHC offers a popular model called "The Birch," with an open floor plan that maximizes space.

The community provides various amenities and an opportunity for residents to enjoy on-site activities and amenities.

Admirals Cove

Admirals Cove is a 55+ community located across from Lake St. Clair.
It offers luxury homes for purchase or lease and provides amenities like an on-site library, community events, fitness center, and billiards area.

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 Chesterfield Township, MI

When it comes to getting mobile home insurance in Chesterfield 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:

Significance: If you have waterfront property in Chesterfield Township, this coverage offers liability protection in case of accidents or injuries that might occur near water bodies.

Significance: Living near a lake, this coverage protects water recreation equipment like boats, jet skis, or paddleboards, ensuring your gear is covered against damages and theft.

Significance: If you’ve made custom renovations to your mobile home, this coverage helps protect the value of these improvements beyond standard coverage limits.

Significance: If you have a boat dock or pier on your waterfront property, this coverage offers liability protection in case of accidents or injuries occurring near these structures.

Significance: If you transport your RV using a boat trailer, this coverage addresses potential damages or accidents that might occur while hauling your RV.

Significance: If you own both a boat and an RV, this rider might offer a discount for insuring both vehicles together.

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

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