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

Welcome to Monroe, MI - a city full of charm, history, and natural beauty that is sure to capture your heart. Nestled on the western shore of Lake Erie, Monroe offers residents and visitors alike a perfect mix of small-town hospitality and big-city amenities.

As the county seat of Monroe County, the city boasts a rich history spanning back to the early 19th century, when it was first settled by French Canadian farmers and fur traders. Today, the city is known for its stunning architecture, picturesque downtown area, and ample opportunities for outdoor recreation.

Monroe, Michigan, founded in 1785, is located about 17 miles north of Toledo, Ohio and about 35 miles south of Detroit. It is Michigan's third-oldest community, incorporated as a Village in 1817 and as a city in 1837. Its location along the west shore of Lake Erie, the River Raisin, and the presence of natural resources, such as Sterling State Park and the Eagle Island Marsh of Detroit River International Wildlife Refuge, makes it an ideal crossroads for food and transportation, attracting settlers and visitors alike.

Monroe's River Raisin National Battlefield Park, a War of 1812 site, is a treasure for history buffs and nature lovers alike. Additionally, Monroe offers a nearly half-mile long river walk along the south bank of the historic River Raisin. The city is home to natural resources like parks, including the extensive system of 35 parks spanning 530 acres, and the Mark G. Worrell Memorial Trail and the River Raisin Heritage Trail of Sterling State Park. Park and recreation offerings include organized sports, jogging/walking trails, playscapes, a boat launch ramp, a concert bandshell with a summer concert series, summer Tot Lot programs, and more.

The city takes pride in offering services and amenities, including 24/7 fire and police protection that includes advanced life support paramedic response. Monroe also has a regional water utility that provides drinking water to the City of Monroe residents and those living in all or parts of five-townships, and the Villages of Dundee and Maybee. Wastewater treatment is provided to all or parts of two townships and the City of Monroe as well. With its regional airport and automated weather reporting station that sends information to the National Weather Service, Monroe is also a hub for transportation and weather information.

Monroe is a community with a shared vision that seeks to balance the opportunities of economic development with the stewardship that is required for historic preservation. It offers a range of services and amenities, including parks, museums, trails, natural resources, and outdoor recreational activities. Monroe is a welcoming crossroads of historic and natural treasures, and it is the perfect place to enjoy family gatherings and concerts by the waterside.

From its friendly and welcoming people to its rich cultural heritage, Monroe, MI is truly a special place to call home. Whether you've lived here for years or are considering a move to this wonderful community, we hope you'll love everything this city has to offer - from its history and natural beauty to its vibrant downtown area and endless opportunities for recreation and relaxation

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 Monroe, MI

Choosing the right mobile home insurance for Monroe, 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 Monroe:

Monroe, MI, faces several weather risks that can impact its residents and the local community.

The most significant risk is flooding, with the town having a major risk of flooding over the next 30 years. A total of 2,005 properties (45% of all properties) in Monroe have a greater than 26% chance of being severely affected by flooding.

Flooding not only damages properties but can also cut off access to utilities, emergency services, and transportation, impacting the overall economic well-being of the area.

If a low-likelihood storm resulting in severe flooding (a 1-in-100 year flood event) occurred today, it could affect 1,918 properties in Monroe. Over the next 30 years, due to a changing environment, an event of the same likelihood could affect 2,092 properties.
Monroe also faces minor risks from wildfires and minimal risks from severe winds
Monroe faces moderate risks from heat, which is expected to see a 114.3% increase in the number of days over 101ºF over the next 30 years.

Awareness of these environmental risks is critical to developing strategies to mitigate the impact and ensure the safety of residents and property in the community.

Monroe, MI Neighborhoods you may want to consider.

Safety is a top priority for anyone living in Monroe or considering moving there. Below are some of the safest neighborhoods in Monroe:

The neighborhoods are known for their low crime rates, providing residents and visitors with a sense of safety and security.

Property Crime Rates in Monroe, MI:

Community safety is not only affected by environmental risks but also by property crime rates. Here are the current property crime statistics for Monroe:

While Monroe's crime rates are relatively low, residents and visitors should still be aware of the potential risks and take appropriate measures to safeguard their belongings and property.

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.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

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.

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.

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 Monroe, 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?

The Manufactured Housing Commission has the authority to approve local ordinances, grant variances, approve licenses for manufacturers and retailers, and impose penalties for violations of the Mobile Home Commission Act or rules.

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

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 Monroe, MI

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

Stonybrook Homes

Located in Monroe, MI, Stonybrook Homes is a respected manufactured home dealer offering a wide range of options including single-wides, double-wides, multi-section, and modular homes.

Clayton Homes

A top national home manufacturer, Clayton Homes offers a selection of affordable mobile, manufactured, and modular homes, as well as pre-owned homes and home rental options.

Little Valley Homes

Little Valley Homes is a trusted manufactured home retailer located in Michigan offering single-wides, double-wides, multi-section, and modular homes.

Pineview Estates

Pineview Estates is one of the most popular manufactured home communities in Monroe, MI, offering a range of affordable, high-quality housing options for residents.

Oaks of Rockford

Though located outside of Monroe, MI, Oaks of Rockford is a beautiful manufactured home community boasting resort-style living in the heart of West Michigan.

Skyline Homes

A national leader in mobile home and park model manufacturing, Skyline Homes offers a range of options from modern single-wides to spacious park models and multi-section homes.

Pheasant Ridge Estates

Pheasant Ridge Estates is a beautiful manufactured home community located in the neighboring city of Flat Rock, MI, with a wide range of on-site amenities and recreation options. These are just a few of the top-rated manufactured home retailers, manufacturers, dealers, and communities in Monroe, MI. Remember to do your research, visit different communities, and speak to experts to find the right fit that meets your needs and budget.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


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.


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 Monroe, MI

When it comes to mobile home insurance in Monroe, 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 Monroe, 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 pre-
fab home in Monroe. It includes repairs or rebuilding costs in case of damage caused by
covered perils like fire, lightning, windstorms, and certain other hazards.

This coverage protects your belongings inside the
home, such as furniture, appliances, electronics, clothing, and other personal
possessions. It ensures that you can replace or repair damaged or stolen items.

If your manufactured home in Monroe has detached
structures like a garage, shed, or fence, this coverage will protect them from covered

In case your home becomes uninhabitable due to a covered
peril, this coverage will provide funds for temporary living expenses, such as hotel
stays, food, and other essentials while your home is being repaired.

This coverage protects you if someone is injured on your
property, and you're legally responsible for the injury. It includes medical expenses for
the injured party and legal costs if you face a lawsuit.

This coverage helps pay for medical expenses if
someone is injured on your property, regardless of fault. It can prevent small incidents
from escalating into costly lawsuits.

While Monroe is not known for frequent earthquakes, it's wise
to consider this coverage if you want extra protection against potential seismic events.

Monroe is near Lake Erie and is susceptible to flooding during heavy
rains and storms. Standard homeowners insurance doesn't cover flood damage, so
consider obtaining a separate flood insurance policy through the National Flood
Insurance Program (NFIP).

This option ensures that, in the event of a covered loss,
your home and belongings are replaced at current market prices without factoring in

This coverage protects you from damages
caused by water backing up through your home's sewer or drainage system.

This coverage helps cover additional costs incurred
when rebuilding your home to comply with updated building codes or local ordinances.

  • For added protection, consider this
    coverage, which pays more than the dwelling coverage limit if rebuilding costs exceed
    the policy limit due to a widespread disaster.
  • This coverage automatically adjusts your policy's coverage
    limits to keep pace with inflation and the rising cost of building materials and labor.
  • This coverage protects your property
    from damages caused by acts of vandalism or malicious intent.
  • Inquire about available discounts specific to manufactured or pre-fab
    homes in Monroe, 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 Monroe, MI.

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

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