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

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

Welcome to Macomb Township, Michigan – a place where history, community, and a modern marvel and a symphony of growth, heritage, and natural beauty!

Nestled comfortably in the heart of Macomb Township, Macomb Township, Michigan, is a community that has, over the years, masterfully interwoven its rich history with a dynamic vision for the future. This is a place where the echoes of yesteryears harmonize seamlessly with the optimistic hum of modernity.

Macomb Township’s story begins in the early 19th century when intrepid settlers were drawn to this land’s fertile soil and strategic location. Over the subsequent decades, this area would transform from sprawling farmlands to a bustling community, all while preserving the essence of its origins. Today, remnants of its agrarian past stand alongside contemporary edifices, a testament to Macomb Township’s commitment to honoring its roots even as it looks forward.

Nature, in all its resplendent glory, is a cornerstone of Macomb Township’s allure. The community is dotted with parks, trails, and natural reserves that beckon residents and visitors alike. The serene waters of the Clinton River snake their way through the region, offering myriad recreational opportunities and providing a habitat for diverse flora and fauna. The vast expanses of green, whether it’s the Wolcott Mill Metropark or the Macomb Corners Park, offer solace and recreation, fostering community bonds and nurturing a deep appreciation for the environment.

Education is a beacon in Macomb Township. The region’s schools, with their forward-thinking curricula and dedicated faculty, strive to mold not just scholars but also responsible citizens. The emphasis is not just on academic achievements but also on fostering a sense of community pride and understanding of the township’s storied past.

Culturally, Macomb Township is a vibrant tapestry of events, traditions, and celebrations. From seasonal festivals that celebrate the bounties of nature to historical reenactments that transport participants to a bygone era, the township’s calendar is a mosaic of experiences. The local farmers’ markets, with their fresh produce and artisanal products, are a nod to Macomb’s agricultural heritage, and a delightful experience for all ages.

A culinary journey through Macomb Township reveals a rich palette of flavors. The dining scene here is a blend of traditional eateries, serving heartwarming Midwest classics, and contemporary establishments that experiment with global cuisines. Every meal in Macomb Township is an invitation to explore its diverse culinary heritage.

One of the lesser-known aspects of Macomb Township is its dedication to sustainable growth. Even as new developments rise, there’s a conscious effort to minimize environmental impact and champion green practices. It’s a township that understands the value of balancing progress with preservation.

In the grand narrative of Michigan, Macomb Township stands as an embodiment of the American spirit—resilient, progressive, and deeply rooted in its history. For those seeking a harmonious blend of tradition and modernity, set against a backdrop of natural beauty, Macomb Township, Michigan, is a destination that promises and delivers in equal measure.

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 Macomb Township, MI.

When shopping for mobile home insurance in Macomb 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 Macomb Township, MI.

Weather Risks:


  • Macomb Township is projected to experience an increase in both average and extreme temperatures.
  • Southeast Michigan, which includes Macomb Township, is anticipated to witness a 4.5 to 5.0-degree Fahrenheit increase in average air temperature between 2041 and 2070.

Implications for Macomb Township:

  • Health Risks: Elevated temperatures can lead to an increase in heat-related illnesses and conditions such as heat strokes, dehydration, and even fatalities. Especially at risk are the elderly, young children, and those with pre-existing health conditions.
  • Economic Impact: The rise in extreme heat days can strain energy systems due to increased air conditioning use, potentially leading to power outages. Such conditions can also impact agriculture, challenging the county’s food production and economy.
  • Environmental Strain: Warmer temperatures can disrupt local ecosystems, affecting native species and possibly inviting invasive species which thrive in hotter conditions.


  • While annual precipitation is expected to increase on average, it’s also likely to be concentrated in more intense precipitation events. This can lead to extreme flooding, followed by periods of drought.

Implications for Macomb Township:

  • Infrastructure Damage: Intense precipitation can lead to flash floods, eroding coastlines, damaging roads, bridges, and properties, and thereby increasing maintenance costs.
  • Water Quality Concerns: Heavy rainfall events can overwhelm stormwater systems, potentially leading to sewage overflows into Lake St. Clair. This can degrade water quality, impacting drinking water sources and aquatic life.
  • Economic Strain: Flooding can disrupt business operations, leading to economic losses, while droughts can affect agricultural output.


  • Macomb Township is projected to experience about 30 fewer days each year where the temperature falls below 32 degrees Fahrenheit. Winters will likely be shorter and milder.

Implications for Macomb Township:

  • Ecological Impact: Warm winters can disrupt hibernation cycles for certain animals and affect the life cycles of various species dependent on the cold.
  • Economic Impact: Businesses that rely on winter tourism, such as ice fishing or snow-related activities, might face decreased revenues.
  • Infrastructure Concerns: A lack of consistent freezing can lead to issues like frost heave, which can damage roads and other structures. On the other hand, less snow can reduce costs associated with snow removal.

Recommended Macomb Township Neighborhoods

  • Macomb South
  • Macomb Northeast
  • Romeo Plank Rd / Huntington Woods Dr
  • Vesper Dr / Shenandoah Dr
  • Kingsway Dr / Gracechurch Rd
  • Waldenburg Township Park
  • Town Center
  • Macomb Northwest
  • Macomb West
  • Macomb Southeast

Property Crime Rates in Macomb Township, MI.

Macomb, Michigan, exhibits a reassuring crime scenario, with figures suggesting it's notably safer than many other U.S. neighborhoods and cities in Michigan. Here's an in-depth assessment of the crime situation in Macomb

Property Crime Rates in Macomb Township, MI.

Violent Crime Insights

Violent Crime Insights

  • Rate & Context: Violent crimes, encompassing offenses like assault, rape, murder, and armed robbery, occur at a much lesser rate in Macomb than the national average. Specifically, the chances of being victimized by a violent crime in Macomb stands at a minuscule 1 in 1,136. This is substantially lower than the state average of 1 in 202.
  • National Comparison: To give perspective, the U.S. sees a rate of 2.84 assaults per 1,000 inhabitants, which is considerably higher than the rates in Macomb (which are so low they’re unreported).

Property Crime Insights

Property Crime Insights

Macomb’s crime landscape is heartening. The city boasts of having one of the lowest crime rates, both in terms of violent and property crimes, when matched against national averages and other similarly populated cities. Its residents enjoy a degree of safety that many other American communities don’t. Ensuring continued community vigilance and cooperation with law enforcement could aid in preserving and even further enhancing Macomb’s safety record.

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 Macomb Township, MI, looking for mobile home insurance?

Review the Claims Process

Research the claims process for each insurance provider. Read reviews or speak with current policyholders to assess their experience with filing and processing claims. A smooth claims process is crucial in times of need.

Get Some Quotes

Once you've got an idea of what you want, reach out to the insurance companies you're interested in and ask for a quote. This will help you compare prices and figure out which plan will give you the most bang for your buck.

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.

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.

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 Macomb 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

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 Macomb Township, MI

When it comes to getting mobile home insurance in Macomb Township, 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 Macomb Township, MI



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