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

Welcome to Ferndale, Michigan– a town that embraces diversity, artistry, and community spirit!

Tucked away just north of Detroit, Ferndale unfolds as a vibrant enclave within Oakland County. With its eclectic mix of historical charm and modern-day dynamism, Ferndale effortlessly captures the heart of anyone who meanders through its lively streets. This is a city where the hum of creativity resonates, where inclusivity is celebrated, and where community spirit isn’t just a buzzword but a way of life.

Ferndale's beginnings are reflective of the typical American dream – a tapestry of hope, ambition, and the relentless spirit of early settlers. The once agricultural community transitioned into a thriving urban space, but not without retaining its intimate, neighborhood-centric appeal. The Woodward Avenue corridor, often bustling with activity, stands as an enduring testament to the city's ability to blend its historical past with the aspirations of the present.

One can't talk about Ferndale without acknowledging its fervent embrace of the arts and culture. The city is a canvas where artists, musicians, and creators of all stripes come together to celebrate self-expression. Regular events like art fairs, music festivals, and cultural parades enliven the city’s streets, ensuring there’s always a hint of festivity in the air.

Nature finds a special place in Ferndale, with parks and green spaces dotting the city. These aren't just patches of green but communal grounds where families picnic, children play, and older residents enjoy tranquil moments under the canopy of trees. The city understands the therapeutic essence of nature and has woven it intricately into the urban tapestry.

The ethos of Ferndale is characterized by its commitment to diversity and inclusivity. Proudly wearing the badge of being one of Michigan's most LGBTQ-friendly cities, Ferndale stands as a beacon for acceptance and unity. The annual Pride Festival is not just an event here; it's a jubilant celebration of love, identity, and community harmony.

Ferndale's culinary scene is as diverse and vivacious as its people. From classic American diners to international culinary delights, the city offers a gastronomic journey that tantalizes taste buds while narrating tales of its diverse community. And when night descends, Ferndale comes alive with music, with its array of pubs, bars, and clubs offering a vibrant nightlife.

Ferndale shines as a community that isn’t bound by convention but is driven by a shared passion for life, art, and mutual respect. It's a place where every alleyway echoes with laughter, where every mural tells a story, and where the spirit of togetherness is palpable. For those who seek a city that truly epitomizes the essence of unity in diversity, Ferndale, Michigan, promises an experience that's both enriching and endearing.

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 Ferndale, MI.

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

Weather Risks:

Ferndale is prone to flooding, with many of its low-lying areas within the Special Flood Hazard Area (SFHA), also known as the 100-Year Floodplain. Flooding in Ferndale can result from the Nooksack River overflowing its banks and other sources.

Potential Damages:

  • Property Damage: Flooding can cause significant damage to homes, especially basements and lower levels, leading to structural damages and the growth of mold.
  • Infrastructure Damage: Roads, bridges, and other essential infrastructure can be affected, disrupting daily activities.
  • Economic Impact: Flooding can cause losses to local businesses and increase municipal costs related to cleanup and repairs.

Preventative Measures:

  • Residents should consider purchasing flood insurance, especially if they are within the SFHA.
  • Regularly maintain and clear drains and gutters to facilitate water flow.
  • Elevate electrical appliances and utilities above potential flood levels, especially in basements.

The Great Lakes region, which includes Ferndale, is witnessing a trend of rising temperatures. The number of extremely hot days is expected to increase, with 17 to 42 more days above 90°F projected annually compared to the late 20th century.

Potential Damages:

  • Health Risks: Prolonged exposure to high temperatures can lead to heatstroke, dehydration, and other heat-related illnesses.
  • Increased Energy Costs: More frequent use of air conditioning can result in higher electricity bills.
  • Infrastructure Stress: High temperatures can cause roads to soften and become rutted, and can impact other infrastructure components.

Preventative Measures:

  • Stay hydrated and avoid strenuous activities during the hottest parts of the day.
  • Check on vulnerable populations, like the elderly and children, during heatwaves.
  • Consider energy-efficient cooling solutions and proper insulation to reduce energy costs.

With the region experiencing more extreme weather events, including heavier precipitation and stronger storms, there is an increased risk to infrastructure like dams and stormwater systems.

Potential Damages:

  • Dam Failures: Stronger precipitation events combined with aging dam infrastructure can increase the probability of dam failures.
  • Overwhelmed Stormwater Systems: More intense rainfall can strain stormwater systems, leading to flooding and related damages.

Preventative Measures:

  • Regularly inspect and maintain dams and other water control infrastructure.
  • Consider upgrading or expanding stormwater systems to handle increased rainfall volumes.
  • Engage in community initiatives to improve green infrastructure, which can help manage stormwater naturally.

Ferndale residents should be prepared for a variety of weather challenges, from flooding and heatwaves to potential infrastructure failures. Proactive measures, staying informed, and participating in community initiatives can help mitigate potential damages and enhance overall resilience.

Recommended Ferndale Neighborhoods:

Property Crime Rates in Ferndale, MI.

Ferndale, Michigan, like any other city, has its own set of crime dynamics. Using FBI crime data as a foundation, we can dissect its crime profile, positioning it against national averages and similar-sized cities. Here's an analysis of crime in Ferndale:

  • Ferndale’s crime rate exceeds the national average when analyzing all U.S. communities, ranging from the most populous to the smallest. 

    • The town registers 19 crimes for every 1,000 residents. Although this isn’t the highest crime rate, it’s notable. 
    • A Ferndale resident’s chance of encountering violent or property crime is 1 in 53, indicating that, as per FBI data, Ferndale isn’t one of the safest U.S. communities. 
    • Comparatively, in Michigan, Ferndale’s crime rate surpasses 83% of the state’s cities and towns, regardless of size.

When Ferndale’s crime statistics are set against those of cities with comparable populations, it becomes apparent that Ferndale’s crime rate aligns with the average. So, while Ferndale might appear riskier when measured against all U.S. cities, it’s middle-of-the-road when juxtaposed with cities of similar population sizes.

  • Ferndale’s violent crime rate stands at 1 for every thousand residents, aligning with the national average for all communities, irrespective of population size. 
  • This rate encompasses severe offenses like armed robbery, aggravated assault, non-statutory rape, and non-negligent manslaughter. 
  • In Ferndale, the likelihood of becoming a victim of a violent crime is 1 in 682, which closely mirrors national rates.
  • Analysis of Ferndale’s property crime rate places it at 17 for every 1,000 residents. 
  • This statistic signals that Ferndale residents face a higher-than-average risk of falling victim to property crime compared to other U.S. cities. 
  • These property crimes include motor vehicle theft, arson, larceny, and burglary. 
  • The probability of a Ferndale resident becoming a victim of one of these crimes is 1 in 57.

In summary, while Ferndale might seem like a high-risk area compared to all U.S. cities, it's worth noting that when you compare it with cities of similar population sizes, the crime rate seems relatively standard. Still, with property crimes appearing more frequent, residents and visitors should remain vigilant and adopt preventive measures.

Stability of the Insurance Company:

Research the reputation and financial stability of the insurance companies you are considering. Look for a provider with good customer reviews and a strong financial rating to ensure they can fulfill their obligations in the event of a claim.

Age and Condition of the Home:

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Coverage for Personal Belongings:

Make sure the policy covers your personal belongings inside the home, from furniture to electronics. Regularly update the inventory of your belongings, as their total value can influence the amount of coverage you need.

Regular Policy Review:

Your living situation and the value of your belongings can change over time. Periodically review and update your insurance policy, at least annually, to ensure you maintain adequate coverage.

Coverage for Relocation:

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.


Some insurers offer special endorsements or riders that can be added to a standard policy to provide additional coverage for specific items or situations. Consider any special valuables or circumstances that might require such endorsements.

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 Ferndale, MI

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

Glennwood Village:

Glennwood Village is an all-ages community located at 2526 Morrissey Road, Warren, MI 48091.
The community features a playground, clubhouse, sidewalks, and recreational facilities.
It has an average street width with paved streets. Pets are allowed in the community with community approval. The community was built in 1961 and offers a mix of homes with peaked roofs and lap siding.
The distance to water is approximately 9.3 miles.

Madison Oaks MHC:

Madison Oaks MHC is an all-ages community situated at 26131 Dequindre Road, Madison Heights, MI 48071.
The community features a playground, clubhouse, sidewalks, swimming pool, and recreational facilities. It has a wide street width with paved streets.
Pets are allowed in the community with a restriction of 2 pets maximum and no aggressive breeds.
The community was built in 1980 and offers a mix of homes with peaked roofs and lap siding.
The distance to water is approximately 8.9 miles.

Lafayette Place:

Lafayette Place is an all-ages community located at 21155 Warner, Warren, MI 48091.
The community features a playground, clubhouse, sidewalks, and recreational facilities.
It has an average street width with paved streets. Pets are allowed in the community with a restriction of 2 pets and no vicious breeds.
The community offers various homes for sale, rental homes, and vacant sites.
It was built in 1960 and offers a mix of homes with peaked roofs and lap siding.
The distance to water is approximately 8.3 miles.

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 Ferndale, MI

When it comes to getting mobile home insurance in Ferndale, 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: Living in an urban area like Ferndale, this coverage offers liability protection in case of accidents or injuries that might occur on your property.

Significance: If you often park your RV on the street or navigate through an urban environment, this coverage addresses potential damages or accidents specific to these conditions.

Significance: If you have a home office, this coverage addresses equipment and liability related to your work space, ensuring you’re covered for business-related needs.

Significance: If you live in an apartment building, this coverage offers liability protection in case of accidents or injuries that might occur in common areas or due to your property.

Significance: Suburban areas might have specific security considerations. This coverage addresses potential damages or theft that might occur while your RV is parked in suburban storage.

Significance: Parking lots and city streets can lead to accidents. This coverage addresses potential damages from collisions that might occur while parking or driving in urban environments.

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

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