CoverTree Secures $13 Million in Series A Funding to Revolutionize Manufactured Home Insurance Read More
Covertree’s Comprehensive Guide.

Protecting Your Manufactured Home in Flint, MI

Disclaimer: Data Accuracy and Sources
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 Flint, MI: Costs, Coverage, and Considerations

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

Welcome to Flint, Michigan, a city steeped in history and bustling with community spirit! Nestled in Genesee County, Flint stands proudly as its county seat, with roots extending deep into the annals of American history. Located merely 66 miles northwest of Detroit, Flint boasts a rich tapestry of cultural and industrial heritage. With over 81,000 proud residents, as of the 2020 survey, Flint holds the title of Michigan’s 12th largest city, a testament to its enduring spirit and importance in the state’s narrative.

The city’s journey began modestly, founded as a village by the fur trader, Jacob Smith, in 1819. As the 19th century progressed, Flint flourished as a significant lumbering hub, laying the foundation for its later industrial prowess. The dawn of the 20th century marked Flint’s meteoric rise as “Vehicle City” – an acknowledgment of its unparalleled contribution to the automobile industry. The birthplace of General Motors in 1908, Flint became synonymous with automobile excellence, housing GM’s Buick and Chevrolet divisions.

Today, Flint and its encompassing Genesee County resonate with a vibrant echo of its illustrious past. The city pulsates with events such as the Back to the Bricks classic car show, a nod to its automotive legacy, and the Alley Fest, Flint Jazz Festival, 80s in the Hole, and Flint Drop Fest, which showcase an eclectic mix of local and national talents. Sports enthusiasts have a plethora of events to look forward to, while the HAP Crim Festival of Races offers a unique glimpse into Flint’s historic neighborhoods.

Moreover, Flint’s cultural tapestry is adorned with a plethora of art festivals, fairs, and local craft shows. The city’s parks, top-rated schools, and amenities stand as a testament to its commitment to the holistic growth of its residents. The annual Flint Lions Carnival, Memorial Day Parade, and the ever-popular Farmer’s Market are just a few of the events that punctuate the city’s calendar, offering numerous opportunities for the community to come together.

At its heart, Flint embodies a rare blend of historic grandeur and contemporary dynamism. Whether you are an enduring resident or a newcomer, the city welcomes you with open arms into its close-knit, thriving community. Experience the suburban charm, explore local businesses, savor culinary delights, and indulge in retail therapy. In Flint, you’ll find not just a city but a home – warm, welcoming, and full of heart.

Understanding Mobile Home Insurance in Michigan.

Mobile home insurance in Michigan typically ranges from $300 to $1,500 per year. Insurance carriers consider several factors when determining the premium, resulting in varying rates.

Understanding Mobile Home Insurance in Michigan.

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 location of your mobile home, particularly the zip code in Michigan, is a significant factor.

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 Flint, MI.

When it comes to mobile home insurance in Flint, MI, there are a few facts and local regulations to consider. Mobile home insurance provides coverage specifically tailored to the unique needs of mobile homes.

Choosing the Right Mobile Home Insurance for Flint, MI.

Weather Risks:

Flint, Michigan is exposed to various weather risks that can affect its community members and properties. These risks include flooding, wildfires, severe winds, and heat.

Flint experiences the impact of a changing environment on flooding risks. While deeper floods from major events such as hurricanes are less likely, they can affect more properties compared to shallower flood events like heavy rains. As the changing environment influences weather patterns, events of different types are expected to affect more properties within the community. If a low-likelihood storm resulting in severe flooding (a 1-in-100 year flood event) were to occur today, it could impact 3,287 properties in Flint. Over the next 30 years, due to the changing environment, the likelihood of this type of event affecting properties increases to 3,465.

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

Flint MI, Neighborhoods to consider

Flint has neighborhoods with varying crime rates. Some of the safer neighborhoods include:

  • Richfield Rd / Eastdale Dr
  • University Avenue Neighborhood / Flint West Village
  • Circle Neighborhood
  • E Stanley Rd / N Belsay Rd
  • Richfield Rd / Mills Acres St
  • Southside Business District
  • Chevrolet / Woodcroft Estates
  • Genesee County Parks Rd / E Coldwater Rd
  • Hardenbrook Park
  • New Community Block / Ballenger Hwy

Property Crime Rates in Flint, MI.

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

Property Crime Rates in Flint, MI.

We do insurance better. And here’s how.

We do insurance better. And here’s how.

  • Save an average of $250 per year
  • File a claim in 3 minutes
  • Easily manage your policy online
  • Skip the faxing, long paperwork, and unnecessary phone calls
  • Get support from an American-based team

Are you in Flint, MI, looking for mobile home insurance?

Underwriting Process

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.

Mitigation Measures

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

Policy Expiration and Renewal

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

Coverage Limits and Sublimits

Besides the main policy limit, be aware of any sub limits for specific categories of items, like jewelry, artwork, or electronics. You might need additional coverage or endorsements for items that exceed these sublimits.

Exclusions and Limitations

While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.

Inflation Protection

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Keep in Mind

Remember, it's always a good idea to consult with an insurance professional who is knowledgeable about mobile home insurance in Flint, MI. They can provide personalized guidance and help you navigate the factors relevant to your specific situation and needs. CoverTree can help you identify and tailor a policy that suits your specific needs – find one right here!

Michigan Mobile Home Resources Mobile Homes in MI.

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 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

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.

Additional Relief

Finding the Best Mobile Home Insurance in Flint, MI

When it comes to mobile home insurance in Flint, MI, there are a few key facts and laws to be aware of. First, it's important to note that mobile home insurance is not the same as traditional homeowners insurance. Mobile homes require specific insurance coverage tailored to their unique characteristics and vulnerabilities. In Flint, MI, it's crucial to understand the local laws and regulations regarding mobile home insurance. These laws may outline the minimum coverage requirements, such as dwelling coverage, personal property coverage, liability coverage, and more.

Finding the Best Mobile Home Insurance in Flint, MI



New Mexico



South Carolina

CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

Copyright © 2022 CoverTree Inc. All rights reserved