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Protect Your Manufactured Home in Dearborn Heights, 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 Dearborn Heights, MI: Costs, Coverage, and Considerations

Dearborn Heights is a picturesque and family-friendly community, nestled in the embrace of a peaceful suburban landscape. It is a haven for families seeking a peaceful suburban lifestyle with ample green spaces, exceptional schools, affordable housing options, and a welcoming atmosphere. Its commitment to providing a nurturing environment for its residents, especially the younger ones, ensures a bright future for everyone who calls this charming city their home. With its strong sense of community, diverse culture, and exciting events, Dearborn Heights offers an enriching experience for individuals and families alike, making it the perfect place to lay down roots and create lasting memories.

One of the most attractive features of Dearborn Heights is its focus on education and nurturing the intellectual growth of its young residents. The city boasts an impressive array of excellent schools, renowned for their dedication to academic excellence and comprehensive learning experiences. Families can take solace in knowing that their children will receive top-notch education in a supportive and caring environment.

Finding a place to call home in Dearborn Heights is a delightful experience, thanks to its diverse and affordable housing options. The city features a mix of residential neighborhoods, each with its own unique charm and amenities. From cozy single-family homes to modern townhouses, there is a housing style to cater to various preferences and budgets. With a range of affordable options, residents can settle down and create their dream home without facing the burden of exorbitant costs.

Dearborn Heights is not just a place to live; it's a community that embraces diversity and fosters a sense of belonging. The city is home to a melting pot of cultures, bringing together individuals from different backgrounds and walks of life.

Understanding Mobile Home Insurance in Michigan.

Mobile home insurance in Michigan typically ranges from $300 to $1,000 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 Dearborn Heights, MI.

When it comes to choosing the best manufactured home insurance in Dearborn Heights, MI, there are several important factors to consider. Here are some key points to keep in mind to ensure you make an informed decision that provides you with the coverage you need:

Weather Risks in Dearborn Heights, MI

Dearborn Heights, Michigan faces a range of weather risks that can affect its residents and properties. These risks include flooding, heat, wildfires, and severe winds.

Dearborn Heights has a notable risk of flooding over the next 30 years. Around
26% of all properties in the city, totaling 3,069 properties, have a greater than
26% chance of being severely affected by flooding. Flooding can disrupt utilities,
emergency services, transportation, and impact the local economy. The overall
risk level suggests that flooding is likely to impact day-to-day life within the

The city also faces a moderate risk from heat. This risk is due to increasing "feels
like" temperatures. It's noted that Dearborn Heights has a significant number of

properties at risk from heat, which can lead to stress on residents and increased
cooling costs.

Dearborn Heights has minor risks from wildfires and minimal risks from severe
winds. These risks, although present, are not as prominent as the flooding and
heat risks.

Neighborhoods To Consider in Dearborn Heights, MI

Dearborn Heights has several neighborhoods that are considered safer in terms of crime rates. Some of the safer neighborhoods include:

Property Crimes

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

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

Remember, choosing the right insurance for your mobile, manufactured, or pre-fab home in Dearborn Heights requires careful consideration and research. Take the time to assess your needs, compare options, and consult with professionals to find the best coverage for your specific situation. 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?

There are nearly 85,000 manufactured homes in the
Dearborn Heights, MI Area.

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?

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 Dearborn Heights, MI

When searching for a manufactured home, dealer, manufacturer, or community in Dearborn Heights, MI, it's essential to begin with thorough research. Start by exploring both local and national options to find a wide selection of choices.

Look for reputable manufacturers and dealers known for quality craftsmanship and customizable designs. Consider visiting local manufactured home communities to get a sense of their amenities, atmosphere, and the overall living experience they offer. Reach out to trusted real estate agents or consult with experts in the industry who can provide guidance and insights.

Additionally, seek feedback from residents who have experience with the dealers, manufacturers, or communities you're considering. By conducting comprehensive research and gathering relevant information, you'll be better equipped to find the ideal manufactured home, dealer, manufacturer, or community that meets your needs and preferences in Dearborn Heights, MI. Here are a few:

HomeFirst Certified Communities

As a leading community operator in Michigan, HomeFirst offers four manufactured home communities in Dearborn Heights, MI - Fairlane East, Fairlane Meadows, Fox Pointe, and Plymouth Hills. Each community has unique offerings, including clubhouses, swimming pools, and playgrounds. HomeFirst also provides a range of new and pre-owned manufactured homes for sale or rent.

Capital Mobile Homes

As a local retailer in Dearborn Heights, Capital Mobile Homes offers a wide selection of manufactured homes from reputable manufacturers. They have a knowledgeable staff who can assist you in finding a home that meets your specific needs and budget.

Champion Homes

Champion Homes is another respected national manufacturer with authorized dealers in Dearborn Heights. They have a reputation for superior craftsmanship and innovative designs, providing homeowners with a range of stylish options.

Dearborn Heights Estates

This local manufactured home community in Dearborn Heights offers a welcoming living environment for residents. It features well-maintained grounds, community events, and amenities like playgrounds or fitness centers. Dearborn Heights Estates provides opportunities for homeownership or rental homes within the community.

When considering purchasing a manufactured home or finding a community, it is crucial to conduct thorough research, visit the locations in person, and seek feedback from others with experience in 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 Dearborn Heights, MI.

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 Dearborn Heights, MI

When it comes to getting mobile home insurance in Dearborn Heights, understanding the different coverage options is essential to ensure your precious investment is well protected. The average coverage for a mobile home in Dearborn Heights is $1,400.

Here is a comprehensive list of different types of coverage you may need for a manufactured or pre-fab home in Dearborn Heights, MI:

Protects the physical structure of your manufactured or pre-fab
home against risks such as fire, windstorm, hail, vandalism, and other named perils that
are common to the area.

Covers any structures attached to or adjacent to
your home, such as garages, carports, sheds, or decks that are susceptible to risks
specific to Dearborn Heights.

Provides coverage for your personal belongings within
your home, considering the unique risks of the area, including furniture, appliances,

electronics, clothing, and other items, against risks like theft, fire, or damage.

Offers financial protection if someone is injured on your property
and holds you responsible for the injury. This coverage is especially important
considering factors such as weather conditions, potential hazards, or any extra liability
risks in Dearborn Heights.

Provides assistance with the cost of
temporary housing, meals, and other accommodation expenses if your home becomes
uninhabitable due to a covered loss, taking into account the cost of living specific to
Dearborn Heights.

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, based on the cost of living in Dearborn

Given that some areas in Dearborn Heights may be prone to
flooding, having separate flood insurance is essential to protect against flood-related
damages, as standard homeowners insurance policies usually do not cover flood

Considering the seismic activity in the region, having
earthquake insurance is crucial, as it provides coverage for damages caused by
earthquakes or earth movements specifically in Dearborn Heights.

Helps cover the cost of rebuilding or repairing your
home in compliance with current building codes specifically in Dearborn Heights, which
may have changed since your home was originally built.

Provides additional liability coverage beyond the
limits of your standard homeowners insurance, offering higher levels of protection in
case of major accidents or lawsuits, taking into account any additional liability risks in
Dearborn Heights.

Protects against the cost of repairing or replacing
major systems and appliances in your home if they suffer breakdowns due to
mechanical, electrical, or pressure-related problems, considering the specific systems
and appliances common to Dearborn Heights’ homes.

Protects against the cost of repairing or replacing
major systems and appliances in your home if they suffer breakdowns due to
mechanical, electrical, or pressure-related problems, considering the specific systems
and appliances common to Dearborn Heights’ homes.

  • Helps protect against damage caused by water backing up
    into your home through sewers, drains, or sump pumps, which may be particularly
    relevant considering the drainage systems in Dearborn Heights.
  • Provides protection if you are sued for libel, slander, false
    arrest, invasion of privacy, or other personal injury offenses, taking into account any

    specific personal injury risks or legal trends in Dearborn Heights.

  • If you have additional structures on your property, such as
    detached garages, workshops, or storage sheds, getting coverage for those structures
    considering their specific risks in Dearborn Heights is important.
    Remember, the specific coverage needs for your manufactured or pre-fab home may
    vary based on factors such as its value, location, and any additional structures or
    features. It is always best to consult with an insurance agent or broker who can assess
    your needs and help you determine the right insurance coverage for your situation.

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

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