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Protect Your Manufactured Home in Jackson, MI

Covertree’s Comprehensive Guide.

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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 Jackson, MI: Costs, Coverage, and Considerations

Welcome to Jackson, Michigan – a city steeped in history, culture, and charm.

Situated in the heart of Jackson County, Jackson stands as its sole city and county seat. With its strategic location along Interstate 94 and U.S. Route 127, Jackson is conveniently nestled about 40 miles west of Jackson and 35 miles south of Lansing. As per the 2010 census, the city housed 33,534 residents, marking its significance as the core city of the Jackson Metropolitan Statistical Area.

The city's foundation dates back to 1829, a tribute to President Andrew Jackson. One of Jackson's standout historical features is the Michigan State Prison, opened in 1838, which continues to function to this day. The city, for a significant period, proudly bore the title "birthplace of the Republican Party". Even though the formal acknowledgment of the party's birthplace has shifted to Ripon, Wisconsin, Jackson's crucial role in the early days of the Republican Party remains indelible, immortalized by a commemorative plaque in the city's Under the Oaks City Park, a site visited by numerous Republican dignitaries over the years.

Nestled in the picturesque south-central part of Michigan, Jackson is a haven for golf enthusiasts, courtesy of its numerous top-tier golf courses. A nod from Golf Digest as one of the best golfing value destinations further accentuates its appeal. Apart from its verdant greens, the city is surrounded by pristine lakes, providing both tranquility and recreational opportunities.

Jackson brims with attractions and cultural gems. The Michigan International Speedway roars to life with several NASCAR races, while the Pioneer wine-making area offers a serene retreat. The city is also home to architectural marvels like the Michigan Theatre, renowned for its Spanish Renaissance design, and the George E. Potter Center, which regularly hosts an array of Broadway shows and international performances. Music and theatre enthusiasts can revel in performances by the Jackson Symphony Orchestra, shows at the Croswell Opera House, and plays at the Michigan Shakespeare Festival.

For those inclined towards history and art, Jackson does not disappoint. The city houses the Carnegie Library Building, a masterpiece of Neoclassical architecture, and the Conklin Reed Organ and History Museum, where antique reed organs take center stage. The Waterloo Area Farm and Museum, Whistle Stop Park Depot, Under the Oaks, Ye Olde Carriage Shop, Gerald E. Eddy Geology Center, Walker Tavern Complex, and Ella Sharp Museum Galleries all offer unique insights into the city's rich past and diverse culture.

In essence, Jackson, Michigan, is more than just a city; it's a tapestry of history, culture, nature, and community spirit. Whether you're a history buff, an art enthusiast, or simply a traveler seeking new adventures, Jackson beckons with open arms, promising an experience like no other.

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 Jackson, MI.

Choosing the right mobile home insurance for Jackson, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

Weather Risks in Jackson, MI

Jackson, MI shows a major risk of flooding over the next thirty years, with 929 properties having greater than a 26% chance of being severely affected by flooding. This represents 13% of all properties in Jackson. To prepare against flooding, it’s essential to consider the following:

Flooding can cause significant damage to properties, disrupt access to utilities, emergency services, transportation, and economic stability in an area.
Jackson is feeling the effects of a changing environment that contributes to flooding risks. As the environment changes, all types of floods will impact more properties.
While deeper floods from severe storms may be less likely to occur, they can affect more properties than shallow floods from heavy rains. Preparing for low-likelihood storms that may result in severe flooding is key in mitigating the impact on properties and community as a whole.
Apart from flooding, there are other environmental risks that present a threat to Jackson, MI with minor risk from wildfires, minimal risk from severe winds and moderate risk from heat

To manage the risk of flooding effectively, it’s essential to prepare for extreme weather events, identify high-risk properties, and create solutions to protect the property.

Neighborhoods in Jackson, MI to Consider

Safety is a top priority when choosing a place to call home. Here are some of the safest neighborhoods in Jackson, MI:

These neighborhoods are known for their low crime rates, family-friendly atmosphere, and overall sense of security, making them highly desirable areas to live in Jackson, MI.

Property Crimes

It’s a priority to ensure that the community is safe for all. Here are the property crime rates in Jackson, MI:

In Jackson, property crimes cover burglary, theft, and motor vehicle theft. The statistics for each category are as follows:

With awareness of these property crime rates, it is essential to take measures to ensure community safety by prioritizing safety measures, implementing community programs, and fostering a strong sense of security within the community.

Manufactured Home-Specific Coverage

When looking for insurance, ensure that the policy explicitly covers manufactured homes. These homes have unique features and risks that may require specialized coverage different from traditional homeowners insurance.

Location Considerations

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Additional Structures

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Personal Liability Coverage

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

Deductibles and Premiums

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Discounts and Bundling Options:

Inquire about any available discounts offered by insurance providers in your area. Some insurers may provide discounts for bundling multiple policies or for having safety features in your home, such as security systems or smoke alarms. Take advantage of these opportunities to potentially reduce your insurance costs.

Keep This 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 Jackson, 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?

Michigan is home to several popular RV destinations, including Mackinaw City and Grand Haven.

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?

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 Jackson, MI

If you're in the market for a mobile or manufactured home in Jackson, MI, it's important to have access to reliable and trustworthy information.

We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Jackson, MI.

Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Jackson, MI when it comes to manufactured homes and related services.

Jackson Mobile Home Park

Located in Jackson, MI, Jackson Mobile Home Park offers a community setting for manufactured home living. They provide a range of amenities such as well-maintained grounds, on-site management, and convenient access to local attractions and services.

Clayton Homes of Jackson

As a national manufactured home builder with a location in Jackson, MI, Clayton Homes offers a variety of customizable and energy-efficient homes. They provide a range of floor plans and options to suit different styles and budgets.

Sunseeker's Cove

Sunseeker's Cove is a locally owned and operated manufactured home community in Jackson, MI. They offer affordable housing options and amenities such as a clubhouse, fitness center, and easy access to nearby recreational areas.

Champion Homes of Michigan

Champion Homes is a leading manufactured home manufacturer with a presence in Jackson, MI. They offer a wide selection of customizable homes built with quality construction and innovative designs.

Fairmoun Homes

Located in Jackson, MI, Fairmoun Homes is a reputable manufactured home dealer that offers a range of quality homes from various manufacturers. They have experienced staff who can assist with the homebuying process and provide guidance on selecting the right home for your needs.

Horton Manufactured Homes

Horton Manufactured Homes is a national manufacturer of quality manufactured homes, including modular and HUD code homes. They offer a diverse range of floor plans and customization options to meet individual preferences.

Oak Grove Estates

Oak Grove Estates is a well-established manufactured home community in Jackson, MI. They provide a peaceful and family-friendly environment with amenities like playgrounds, picnic areas, and a community clubhouse.

Hallmark Homes

Hallmark Homes is a reputable manufactured home builder that operates in Jackson, MI. They offer a variety of customizable floor plans and strive to provide high-quality construction and craftsmanship.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

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.

Liability

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 Jackson, MI

When it comes to mobile home insurance in Jackson, 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 Jackson, 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. Here are some coverage options to consider bundling together as a part of your mobile/manufactured home insurance policy:

This coverage protects the structure of your manufactured or
prefab home against damage caused by covered perils such as fire, theft, vandalism, or
severe weather events.

This coverage protects your personal belongings within
the manufactured or prefab home, including furniture, appliances, electronics, and
clothing. It provides compensation for damage or loss resulting from covered perils.

Liability coverage protects you in the event that someone is injured
on your property or you are held responsible for causing damage to someone else's
property. It helps cover legal expenses and potential settlements or judgments.

If your home becomes uninhabitable due to a
covered loss, this coverage helps pay for temporary living expenses, such as hotel
stays or renting a temporary home, while your manufactured or prefab home is being
repaired or rebuilt.

This coverage protects against damage caused by water
backup or sump pump failure. It can help cover the cost of water damage remediation
and repairs.

Replacement cost coverage ensures that in the event of
a covered loss, you receive the full cost of repairing or replacing damaged property or
belongings, without factoring in depreciation.

In the event of a covered loss, this coverage provides
reimbursement for the additional expenses incurred to comply with current building
codes or ordinances during the repair or rebuilding process.

Depending on the location of your manufactured or prefab home, you
may need to consider purchasing separate flood insurance, as standard homeowners
insurance policies usually do not cover flood damage. It's important to evaluate whether
your home is in a flood zone and assess your flood risk.

Although earthquakes are not common in Michigan, you may
still choose to purchase earthquake insurance for added protection. This coverage can
help cover repairs or rebuilding costs if an earthquake damages your home.

If you have valuable items such as jewelry,
artwork, or collectibles that exceed the coverage limits of your standard policy, you may

consider adding scheduled personal property coverage to ensure these items are fully
protected.

If you live in a manufactured or prefab home community
with shared amenities, loss assessment coverage reimburses you for your share of any
loss assessments levied by the community's association.

  • This coverage protects you from costs associated with
    damage or breakage to underground service lines such as water, sewer, or power lines
    that are your responsibility.
  • Inquire about available discounts specific to manufactured or pre-fab
    homes in Jackson, MI. For example, some insurers offer discounts for installing safety
    devices, having a claim-free history, or belonging to professional organizations.
    It is important to review your options and work closely with an insurance professional
    who can help you understand the specific coverage options available and tailor a policy
    that matches your needs and the unique risks associated with owning a manufactured
    or pre-fab home in Jackson, MI.

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

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