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

Welcome to Owosso, Michigan - a town weaving a tapestry of history, arts, and community charm!

Sitting gracefully along the banks of the Shiawassee River, Owosso, Michigan, unfolds as a city rich in history, artistic fervor, and a community spirit that resonates through its streets, buildings, and the hearts of its residents. Located in Shiawassee County, Owosso stands as a beacon of cultural heritage and natural beauty, offering an idyllic blend of the past and the present.

The city's origins trace back to the early 19th century, and over the decades, Owosso has woven a narrative that is as diverse as it is enchanting. The echoes of bygone days are palpable as one meanders through the historic districts, with architecture that tells tales of eras long past but not forgotten.

Nature has been generous to Owosso. The meandering Shiawassee River lends the city a serene backdrop, with parks and green spaces dotting its banks and offering residents and visitors places to relax, reflect, and recreate. Whether it's a quiet morning of fishing or an afternoon picnic with loved ones, Owosso's natural expanses provide the perfect setting.

A distinctive feature of Owosso is its deep-rooted commitment to the arts. The city's artistic landscape is dotted with theaters, galleries, and studios. The iconic Lebowsky Center, for instance, stands as a testament to the community's passion for performing arts. Here, audiences are regaled with performances that range from classic plays to contemporary productions.

Owosso's culinary scene is a delightful mix of traditional and contemporary. From timeless diners serving comfort food reminiscent of simpler times to modern eateries offering global flavors, the city's gastronomic offerings cater to every palate. One cannot discuss Owosso without acknowledging its illustrious son, James Oliver Curwood. The renowned author and conservationist, best known for his adventure novels set in the Canadian wilderness, was born and raised in Owosso. His former residence, the Curwood Castle, is now a museum and stands as a monument to his literary contributions and his love for the wild. An intriguing and often overlooked fact about Owosso is its significant role in the world of barbering. The city was once home to the Owosso Motor Car Company, which produced the famous Cretors and Company barber chairs, recognized globally for their quality and craftsmanship.

In the vast and varied landscape of Michigan, Owosso emerges as a city that beautifully balances its historical legacy with a vibrant contemporary spirit. It's a place where stories of the past are celebrated and where the promise of the future is embraced with enthusiasm. For those seeking a sojourn into history, culture, and community, Owosso, Michigan, awaits with open arms and countless tales waiting to be discovered.

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 size and year of your mobile home
Upgrades made to your mobile home
The value of your personal property
Property crime rates in the area
Your chosen mobile home community or park
Weather events specific to the region
Whether or not you smoke

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 Owosso, MI.

When shopping for mobile home insurance in Owosso, MI, it's important to consider several factors. Here are the key points to keep in mind:

Weather Risks:

Tornadoes:

Implication: Owosso, being located in Michigan, is susceptible to tornadoes, especially during severe weather conditions. Residents and businesses need to have emergency preparedness plans in place. This includes having storm shelters or safe rooms and ensuring buildings meet local codes for wind resistance. It’s also crucial to have a reliable method of receiving tornado warnings such as a weather radio or a trusted mobile app.

Heavy Snowfall:

Implication: Owosso, during the winter months, can experience heavy snowfall. This can lead to disruptions in transportation, power outages, and other services. Residents and businesses should be prepared with snow removal equipment, emergency power sources, and provisions to last during prolonged periods of cold and snow. It’s also essential to ensure that buildings are constructed to handle the weight of heavy snow accumulation.

Freezing Rain/Ice Storms:

Implication: Freezing rain can lead to ice accumulation on trees, power lines, roads, and structures. This can cause widespread power outages, dangerous driving conditions, and potential structural damage. Residents of Owosso should be prepared with emergency supplies like flashlights, blankets, and non-perishable food. It’s also recommended to stay off the roads during these events and ensure that trees around properties are well-pruned to minimize damage from falling branches.

Stay safe and always be prepared for these weather risks in Owosso!

Recommended Owosso Neighborhoods:

Property Crime Rates in Owosso, MI.

Owosso, located in Michigan, has a distinct crime profile which, when unpacked, provides crucial insights into its safety dynamics when juxtaposed against national, state, and similarly sized community benchmarks.

Overall Crime Index:

Owosso, with 27 crimes per 1,000 residents, has a crime rate notably higher than the national average. However, it doesn’t rank amongst the locales with the absolute highest crime rates.

Chance of Becoming a Victim:

In Owosso, residents face a 1 in 37 chance of being a victim of any crime, suggesting a relatively higher risk compared to many other places in the U.S.

Comparison with Michigan:

Within the context of Michigan, Owosso’s crime profile appears more concerning. Its crime rate surpasses a significant 92% of the state’s other cities and towns, irrespective of their size.

Size-based Comparison:

When measured against communities of similar population size, Owosso’s crime rate—comprising both violent and property crimes—emerges as considerably higher than the average. This suggests that among similarly sized cities, Owosso is comparatively less safe.

Violent Crime Insights:

Violent Crime Rate: The violent crime rate in Owosso is alarmingly one of the highest across the U.S., encompassing both smaller and larger communities. This includes severe offenses like rape, murder and non-negligent manslaughter, aggravated assault, and armed robbery.
Chance of Being a Victim: An Owosso resident has a 1 in 123 chance of becoming a victim of violent crime. This risk is considerably elevated when compared to many other places in the country.

Property Crime Insights:

Property Crime Rate: Owosso's property crime rate stands at 19 per 1,000 residents. This positions Owosso as a place with an above-average risk of property crime when weighed against all other U.S. communities, regardless of their size.
Chance of Being a Victim: Within the realms of property crimes, which include larceny, burglary, motor vehicle theft, and arson, an Owosso resident has a 1 in 53 chance of experiencing such an offense.

Drawing a holistic picture, Owosso, Michigan, does pose certain crime-related challenges. Its overall crime rate, especially in the domain of violent crimes, is notably higher than national averages and significantly so when compared to similarly sized communities. While the rate of property crimes also overshadows many other regions, it is the violent crime statistics that are most worrisome. Residents and local authorities would benefit from proactive measures and community-based interventions to ameliorate these concerns and foster a safer environment.

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.

Insurance Company Reputation:

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

Check Availability of all Applicable Discounts:

Many insurers can offer a discount if you meet certain criteria. For example, you may be able to get a discount for adding additional policies, or if you have security systems already installed. Don't be afraid to ask - it never hurts to see if you could get a better deal!

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.

Underwriting Process:

Understand the underwriting process of the insurance company. Some companies may require inspections or photos of the mobile home before providing coverage.

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 Owosso, 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?

Efforts have been made to strengthen regulations for mobile home park residents in Michigan, including proposals for one-year leases and licensing regulations for park owners.

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.

Mobile Homes Program

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 Manufactured Housing Commission

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.

Coastal Property Insurance Pool

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.

Know Your Rights

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.

Eligibility for Homeowners Insurance

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.

Non-Denial Based on Age, Location, or Neighborhood

Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.

Not Required by Law

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.

Eligibility and Coverage

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.

Protection Against Weather Risks

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.

State and Local Regulations

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

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 and Motor Home Insurance

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?

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.

Finding A Manufactured Home or Community in Owosso, MI

When looking for a manufactured home dealer or community in Owosso, MI, there are several reputable options to consider.

Swartz Creek Meadows MHP

Address: 4101 S Sheridan Rd, Lennon, MI 48449
Community Type: Sales Center
Availability: 2 Homes for Sale
Community Features: Clubhouse with kitchen and meeting area, Family Swimming Pool, State-of-the-art Fitness center, Playground, RV Storage, Basketball Court, Baseball field, Tennis Court, Pets Welcome Move-in Incentive: If you move your home into the park, you can receive a cash move-in incentive up to $6,000 (depends on home details)
Other Features: Quiet park-like setting with wooded views, Swartz
Creek/Durand Schools, New owner making improvements, Free water and sewer (no Flint City Water), Close to I-69

Quiet Cove

Address: 12675 Colby Lake Road, Laingsburg, MI 48848
Community Type: All Ages Community
Availability: 1 Home for Sale
Community Features: Off-Street Parking, Street Width: Average
Year Built: 1969
Number of Sites: 43
Multisection Homes: 25%
Homes w/ Peaked Roofs: 25%
Homes w/ Lap Siding: 25%
Distance to parks: 3 Miles

Candlewick Court

Address: 1800 Candlewick Drive, Owosso, MI 48867
Community Type: All Ages Community Availability: Rental Homes Available, Vacant Sites Available
Community Features: Pet Policies, Off-Street Parking, Playground, Clubhouse, Sidewalks, Swimming Pool, Street

Width: Average
Year Built: 1976
Number of Sites: 211
Multisection Homes: 60%
Homes w/ Peaked Roofs: 70%
Homes w/ Lap Siding: 90%
Distance to water: 0.7 Miles
Distance to golf: 5 Miles

Remember to reach out directly to each dealer or manufacturer to inquire about the availability of specific home models, customization options, and prices. It is also recommended to visit their websites or contact them for more detailed information and assistance in finding the right manufactured home for your needs.

Finding the Best Mobile Home Insurance in Owosso, MI

When it comes to getting mobile home insurance in Owosso, 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:

Historic District Property Liability Coverage:

Reasoning: Owosso has historic districts. This coverage offers liability protection for accidents or injuries that might occur on your property within these historic areas.

Historic Property Preservation Coverage:

Reasoning: If you own a historic property, this coverage helps address potential damages to maintain the historical authenticity of your property.

Historic Property Restoration Coverage:

Reasoning: If your property is in a historic district, this coverage assists with restoration expenses following damages to maintain historical authenticity.

Historic Home Tour Liability Coverage:

Reasoning: If you participate in historic home tours, this coverage offers liability protection for accidents or injuries related to these tours.

Local Artisan Workshop Liability Coverage:

Reasoning: Owosso might have artisan workshops. This coverage offers liability protection if you operate a workshop, ensuring you’re covered for workshop-related activities.

Local Historic Landmark Travel Coverage:

Reasoning: If you visit local historic landmarks with your RV, this coverage offers protection during transit and while parked at these sites.

There are Some Extra Types of Coverage You Can Get To Level Up Your Protection:

Additional Replacement Cost Coverage
Debris Removal
Trees, Shrubs, and Other Plants
Fire Department Service Charge
Credit Card, Fund Transfer Card Forgery, and Counterfeit Money
Ordinance and Law Coverage
Personal Property Endorsements
Water Backup and Sump Pump Overflow
Flood Insurance

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

References:

The Best Homeowners Insurance in Michigan for 2023 – NerdWallet

Best and cheapest homeowners insurance in Michigan for 2023.

Do I have to purchase homeowners insurance?

THE MOBILE HOME COMMISSION ACT Act 96 of 1987

Michigan – CCH Manufactured and Mobile Homes – Property – Explanations

Manufactured Housing Commission

Application for Mobile Home Dealer License or Mobile Home Installer and Repairer License

How Much Does It Cost to Move a Mobile Home? Everything You Need to Know

4 Laws You Need to Know Before Moving a Manufactured Home

The Mobile Home Buyer’s & Resident’s Handbook | Aspire Communities

Manufactured Housing Commission

Mobile Homes

Michigan Homeowner Assistance Fund (MIHAF)

Owosso, MI | Data USA

Owosso, MI – Niche

Owosso, Michigan – City Information, Fast Facts, Schools, Colleges, and More

Owosso | Michigan

City of Owosso

Owosso, MI Natural Disasters and Weather Extremes – USA.com™

SHIAWASSEE COUNTY HAZARD MITIGATION PLAN

Owosso, 48867 Crime Rates and Crime Statistics – NeighborhoodScout

Swartz Creek Meadows MHP Mobile Home Dealer in Lennon, MI | MHVillage