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Protect Your Manufactured Home in Harrison Township, 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 Harrison Township, MI: Costs, Coverage, and Considerations

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

Welcome to Harrison Township, Michigan –– where serenity by the waterside meets historic elegance & tranquility!

Nestled along the pristine shores of Lake St. Clair, Harrison Township is a jewel in the crown of Michigan’s Macomb County. With a deep-rooted history that reverberates through its picturesque streets and a lakeside charm that offers a tranquility hard to find in bustling urban spaces, Harrison Township is a harmonious blend of the past’s richness and the present’s vibrancy.

The township’s history is a tale interwoven with the early settlers’ dreams and the transformative role of Lake St. Clair. Established in the early 19th century, Harrison Township quickly burgeoned as a focal point for trade, fishing, and recreation, with the lake serving as both a sustainer and an inspirer. Today, historic homes and sites stand as silent witnesses to this bygone era, offering glimpses into the lives and aspirations of those who laid the township’s foundations.

Nature, particularly in its aquatic avatar, plays a pivotal role in the life and spirit of Harrison Township. Lake St. Clair, often referred to as the “Heart of the Great Lakes,” isn’t just a geographical landmark but the very lifeblood of the community. Whether it’s boating under a cerulean sky, fishing on tranquil waters, or simply basking in the lakeside’s serenity, the lake’s allure is omnipresent.

Education holds a place of pride in Harrison Township. The schools, renowned for fostering a nurturing environment, ensure that the township’s youth receive a holistic education, blending academic rigor with values of community, respect, and environmental stewardship.

Culture and community are intertwined in Harrison Township. Year-round events, from lakeside music festivals to historic home tours, echo the township’s commitment to celebrating its heritage while fostering communal bonds. The annual Aquafest, a celebration of the township’s nautical legacy, encapsulates this spirit, drawing both residents and visitors for days filled with fun, music, and camaraderie.

When it comes to culinary delights, Harrison Township offers a palette that’s as diverse as it is delectable. Seafood, naturally, is a staple, with eateries serving up the freshest catches from Lake St. Clair. However, the township’s dining landscape is vast, encompassing global cuisines, ensuring that there’s something to satiate every gastronomic adventurer.

An intriguing fact about Harrison Township is its moniker “BoatTown U.S.A.”, a testament to its rich nautical heritage and the pivotal role of boating in the community’s life and economy.

In the grand tapestry of Michigan, Harrison Township emerges as a serene yet spirited enclave, where the echoes of history meet the melodies of modern life. For those seeking a destination that offers the tranquility of lakeside living combined with a rich cultural heartbeat, Harrison Township, Michigan, awaits with its waterside embrace and stories waiting to be discovered.

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.

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 Harrison Township, MI.

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

Choosing the Right Mobile Home Insurance for Harrison Township, MI.

Weather Risks:

  • Harrison Township Tornado Index: 131.35
  • Michigan State Average: 140.33
  • U.S. Average: 136.45
  • Observation: Harrison Township has a slightly lower tornado risk compared to the state and national averages, but the difference is marginal, indicating a significant tornado risk.

  • Thunderstorm Winds: 1,287 incidents (highest occurrence)
  • Hail: 608 incidents
  • Flood: 121 incidents
  • Heavy Snow: 43 incidents
  • Strong Wind: 34 incidents
  • Observation: Thunderstorm winds are by far the most frequent severe weather event, followed by hail.

  • Areas in Michigan, including Harrison, experienced significant wind damage.
  • Various parts of SE Michigan, including areas near Harrison Township, reported large hail sizes, with some being as big as tennis balls.
  • Wind gusts reached up to 62 mph in Detroit.
  • Observation: Harrison Township is susceptible to severe thunderstorms that can bring strong winds and large hail.

In conclusion, residents of Harrison Township, MI, should be particularly vigilant about thunderstorm warnings, given the high incidence of wind and hail events. It's also essential to heed tornado warnings when they arise, given the area's tornado index. Proper precautions and awareness can significantly reduce the risks associated with these weather events.

Property Crime Rates in Harrison Township, MI.

Harrison Township, situated in Michigan, presents a varied landscape when evaluated through the lens of crime rates. The township, like many others, deals with both property and violent crimes. Here's a breakdown of the crime statistics for Harrison Township:

Property Crime Rates in Harrison Township, MI.

Violent Crime Insights

Violent Crime Insights

Property Crime Insights

Property Crime Insights

Harrison Township, MI, reveals a contrasting crime scenario. While its overall and property crime rates are favorable, especially when compared to similar-sized communities, the violent crime rate warrants attention. Such insights can help residents and local authorities make informed decisions, reinforcing community vigilance and improving safety measures. The data also suggests that while general safety is commendable, targeted efforts might be needed to address violent crimes.

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Are you in Harrison Township, MI, looking for mobile home insurance?

Manufactured Home Insurance Coverage

CoverTree offers insurance coverage specifically designed for manufactured homes in Michigan. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

Claims Process and Customer Service

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

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 Customer Reviews

Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.

Talk to an Insurance Agent

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

Research Insurance Providers

Start by researching insurance providers that offer coverage specifically for mobile, manufactured, or pre-fab homes in your choice of town or city. Look for reputable companies with a strong financial standing and positive customer reviews.

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 Harrison Township, 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!

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
policies.

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 Harrison Township, MI

When it comes to getting mobile home insurance in Creek, 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:

Finding the Best Mobile Home Insurance in Harrison Township, MI

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