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

Lansing, Michigan, is the capital of the state and is located in Ingham County. The city is situated at the junction of the Grand River and the Red Cedar River. When the state capital was moved from Detroit to Lansing in 1847, the city was a wilderness. It was initially known as the Village of Michigan but later adopted the name of the township in which it was located, which was named after Lansing, New York.

The Michigan State Capitol, built between 1872 and 1878, is a prominent feature in Lansing. It is located in a 10-acre park in the center of the city and underwent extensive restoration work in the late 1980s and early 1990s. Lansing's connection to Detroit was established in 1852 with the construction of a plank road, and the city also gained access to out-of-state areas through the railroad in the 1870s.

Lansing experienced significant industrial growth after 1887 when several vehicle manufacturers, including the Olds Motor Works and the Reo Motor Car Company, were established. Today, Lansing is a major automobile production center and produces a wide range of other manufactures, such as textiles, auto parts, metal products, and glass.

In addition to its industrial significance, Lansing is home to several educational institutions and museums. Lansing Community College, established in 1957, is located in the city, and adjacent to Lansing is East Lansing, the home of Michigan State University, founded in 1855. There are also numerous museums dedicated to the history of Michigan and the transportation industry.

Lansing offers recreational opportunities with its riverfront greenbelt and trails along the Grand River. Visitors can enjoy outdoor activities and explore destinations like Lake Lansing and Fitzgerald Park in the surrounding area. The city is often referred to as the festival capital of Michigan, hosting over 60 festivals throughout the year, many of which are free to attend.

For those interested in history and culture, Lansing has attractions such as the State Capitol Building, the Michigan History Center, Impression 5 Science Center, Potter Park Zoo, and the R.E. Olds Transportation Museum. Michigan State University also offers unique experiences with its Broad Art Museum, Wharton Center for Performing Arts, MSU Museum, and horticultural gardens.

Lansing's landmarks, parks, museums, and festivals make it an interesting and vibrant capital city with plenty to explore and experience.

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 Lansing, MI

Choosing the right mobile home insurance for Lansing, 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 Lansing, MI:

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

Lansing faces a major risk of flooding over the next 30 years. Currently, 3,826 properties in Lansing have a greater than 26% chance of being severely affected by flooding. This represents 16% 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.
Lansing faces minor risks from wildfires and minimal risks from severe winds. While these risks exist, they are not as prominent as the risk of flooding.
Lansing has a minor risk from heat. The increasing “feels like” temperatures contribute to potential risks related to heat stress and discomfort.

By understanding these environmental risks, the community can better prepare and develop strategies to mitigate the impact and ensure the safety of its residents and property.

Lansing, MI Neighborhoods You May want to consider

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

These neighborhoods are known for their low crime rates, providing a safe environment for residents and visitors alike!

Property Crime Rates in Lansing, MI:

Ensuring community safety requires attention to property crime rates. Here are the property crime statistics for Lansing:

In Lansing, property crimes include burglary, theft, and motor vehicle theft. Here are the incident rates per 1,000 population for each category:

These statistics indicate that residents and visitors in Lansing are more likely to experience property crimes compared to the national average.

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

Review the deductibles and coverage limits in your policy. A deductible is the amount you must pay out of pocket before the insurance kicks in, so choose a deductible that aligns with your budget. Ensure that the coverage limits adequately protect your home and belongings, considering their replacement cost.

Endorsements

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.

Payment Options:

Check if the insurance company provides flexible payment options, such as monthly, quarterly, or annual payments. Some companies might offer discounts for setting up automatic payments.

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 Lansing, 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?

In Michigan, all manufactured homes must meet federal construction and safety standards set forth by the Department of Housing and Urban Development (HUD).

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 Lansing, MI

If you're in the market for a mobile or manufactured home in Lansing, 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 Lansing, 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 Lansing, MI when it comes to manufactured homes and related services.

Capital Area Manufactured Homes

A trusted local retailer offering a variety of high- quality manufactured homes from reputable manufacturers. They provide personalized service, expertise, and a range of affordable options to meet diverse housing needs.

American Home Centers

With a strong local presence, American Home Centers offers a wide selection of manufactured homes, customized to individual preferences. Their knowledgeable team assists customers throughout the entire home-buying process, ensuring a seamless experience.

Champion Homes

With a nationwide network of dealers, Champion Homes provides innovative and energy-efficient manufactured homes. Their commitment to quality and customer satisfaction makes them a popular choice among buyers in Lansing, MI.

Skyline Champion

The merger of Skyline Homes and Champion Homes has created one of the largest and most respected manufactured home manufacturers in the industry. They offer a wide range of customizable homes with various floor plans and features.

Cavco Industries

Cavco Industries is known for delivering high-quality manufactured homes that combine durability, style, and value. Their commitment to innovation and design has made them a trusted choice for homeowners in Lansing.

Lansing Landings

Located in a convenient location with easy access to amenities and attractions, Lansing Landings is a well-maintained manufactured home community. It features beautifully landscaped surroundings, community activities, and a welcoming atmosphere.

Windemere Estates

Windemere Estates offers residents a peaceful and scenic neighborhood with spacious home lots and a friendly community feel. The community is known for its well-manicured common areas, walking trails, and proximity to parks and recreation.

Country Meadows

Country Meadows is a charming manufactured home community that provides a tranquil setting with open spaces and a close-knit community vibe. The community offers amenities such as a clubhouse, playground, and organized events for residents to enjoy.

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 Lansing, MI

When it comes to mobile home insurance in Lansing, 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 Lansing, 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 physical structure of your home,
including the walls, roof, floors, and attached structures, such as a porch or garage. It
provides coverage against risks like fire, storms, falling objects, and some natural
disasters.

This coverage helps protect your personal belongings
inside the home, such as furniture, appliances, electronics, clothing, and other personal
possessions. It typically covers damage or loss caused by covered perils, like fire, theft,
or vandalism.

If your home becomes uninhabitable due to a
covered event, this coverage helps pay for additional living expenses, such as
temporary accommodation, meals, and laundry services, while your home is being
repaired or rebuilt.

Liability coverage protects you financially if someone is injured on
your property and you are found legally responsible. It helps cover medical expenses,
legal fees, and damages if you are sued for bodily injury or property damage caused to
others.

This coverage helps pay for medical expenses if a guest is
injured on your property, regardless of fault. It typically covers costs like ambulance
fees, hospital bills, and necessary medical treatments.

This coverage provides additional protection
by paying for the replacement of your home, even if the cost exceeds your dwelling
coverage limit. It can be valuable in areas where construction costs may rise
unexpectedly.

This coverage helps cover the additional costs
associated with rebuilding your home to meet current building codes or ordinances if it
is damaged or destroyed. It ensures that you can rebuild your home up to current
standards, even if those standards have changed since your home was built.

Lansing, MI is prone to occasional flooding, so consider purchasing
separate flood insurance, as it is typically not covered under standard homeowners
policies. Flood insurance will protect your home and belongings in the event of flood-
related damage.

Earthquakes are infrequent but possible in Michigan. Consider
adding earthquake insurance to your policy to protect your home from damage caused
by seismic activity.

If you have expensive items like jewelry,
antiques, or art, you may want to consider adding scheduled personal property
coverage. This ensures that these valuable items are properly insured and protected.

This coverage protects against damages caused
by sewer or drain backups, which can lead to significant property damage and cleanup
expenses.

  • This coverage provides financial assistance and support in
    the event of identity theft, including legal fees, lost wages, and expenses related to
    restoring your identity.
    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 Lansing, MI.

Now that you've got the lowdown on mobile home insurance coverage in Lansing, MI, don't hesitate to get a CoverTree quote in Lansing now. Just click here to stay protected and worry-free!

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

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