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

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

Kalamazoo, Michigan has a rich history that dates back to its founding in 1831. The city was originally named “Village of Bronson” after its founder, Titus Bronson, who recorded the original plat at the County Register of Deeds Office. Shortly after its establishment, the village was chosen as the county seat, which led to its rapid growth and development.

However, in 1836, the name of the town was changed to Kalamazoo.

The origin and meaning of the name “Kalamazoo” remain uncertain, but one widely accepted explanation comes from a Potawatomi legend. According to the legend, a man named Fleet Foot had to run from the settlement down the river and back before a pot of water could boil away in order to win his bride. The translations “boiling pot,” “boiling water,” and “where the water boils” are derived from this legend. Other possible translations include “mirage,” “reflecting river,” or even “smothered”.

Today, Kalamazoo is a vibrant city with a diverse range of attractions and amenities. It is home to the Kalamazoo Promise, which offers college scholarships to students who graduate from Kalamazoo Public Schools. The city also boasts three colleges and universities, nationally recognized healthcare systems, affordable housing options, and numerous parks, lakes, and golf courses. Kalamazoo is known for its thriving craft beer industry, with businesses such as Bell’s Brewery leading the way.

Located in southwestern Michigan, Kalamazoo is easily accessible from major highways like I-94 and U.S. 13. It is approximately 136 miles west of Detroit, 73 miles southwest of Lansing, and 145 miles east of Chicago. The city provides a unique blend of urban excitement and a relaxed pace of life, surrounded by beautiful countryside. The downtown area offers a walkable shopping district and a variety of entertainment options, including theaters and live music venues.

Beyond the city limits, Kalamazoo County offers breathtaking natural scenery with opportunities for outdoor activities like hiking, biking, camping, kayaking, and skiing. The region is also home to notable attractions such as the Air Zoo Aerospace and Science Museum and the Gilmore Car Museum, which houses an extensive collection of automobiles. With its combination of cultural offerings, natural beauty, and easy access to outdoor adventures, Kalamazoo provides a well-rounded experience for residents and visitors alike!

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 Kalamazoo, MI.

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

Choosing the Right Mobile Home Insurance for Kalamazoo, MI.

Weather Risks in Kalamazoo, MI

Kalamazoo, MI is exposed to various weather risks that can impact its residents and community. These risks include flooding, heat, wildfires (minor), and severe winds (minimal). Here's a breakdown of the key information:

Kalamazoo faces a moderate risk of flooding over the next 30 years. Currently, 2,531 properties in Kalamazoo have a greater than 26% chance of being severely affected by flooding. This represents 18% of all properties in the area. Flooding not only causes property damage but can also disrupt access to utilities, emergency services, and transportation, impacting the overall economic well-being of the community.

It’s important to note that if a low-likelihood storm resulting in severe flooding (a 1-in-100 year flood event) were to occur today, it could impact 2,470 properties in Kalamazoo. Over the next 30 years, due to a changing environment, an event of the same likelihood could affect 2,586 properties.

Kalamazoo has a moderate risk from heat, mainly due to the increasing “feels like” temperatures. Approximately 89% of homes in Kalamazoo have a Moderate Heat Factor, indicating potential risks related to heat stress and discomfort.

Wildfires and Severe Winds

Neighborhoods in Kalamazoo, MI you may want to conside

Safety is a crucial aspect to consider when choosing a neighborhood to live in. Here are some of the safest neighborhoods in Kalamazoo

Property Crime Rates in Kalamazoo, MI.

Property Crime Rates in Kalamazoo, MI.

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

Consider Additional Coverage

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Compare Deductibles and Premiums

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Review and Compare Quotes

Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!

Local Ordinances or Laws

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly

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.

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 Kalamazoo, 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 Kalamazoo, MI

When it comes to mobile home insurance in Kalamazoo, 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 Kalamazoo, 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:

Finding the Best Mobile Home Insurance in Kalamazoo, MI

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