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Protect Your Manufactured Home in Port Huron, MI.

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

Welcome to Port Huron, Michigan - Michigan’s Harbor of history, natural beauty, and waterfront wonders!

Cradled at the meeting point of the St. Clair River and Lake Huron, Port Huron, Michigan, stands as a testament to the state's maritime legacy, vibrant culture, and boundless natural beauty. As the seat of St. Clair County, this waterfront city has long been a gateway between the United States and Canada, and its narrative is richly imbued with tales of trade, transport, and transnational ties.

Founded in the early 19th century, Port Huron's position at the base of the Blue Water Bridge—the conduit between Michigan and the Canadian province of Ontario—has deeply influenced its history. The city swiftly became a hub for commerce, shipbuilding, and transportation, with steamships, sailboats, and railway lines weaving a tapestry of progress and prosperity.

Nature’s bounty is evident throughout Port Huron. The shimmering expanse of Lake Huron, with its azure waves and breezy shores, has always been the city's crowning glory. Beaches like Lakeside Park offer residents and visitors serene spots for relaxation, sunbathing, and watersports. The St. Clair River, with its bustling riverfront, is not just a vital waterway but also a recreational hub, where annual boat races and fishing tournaments draw enthusiasts from near and far.

Port Huron's cultural landscape is as vivid as its natural one. The city's rich maritime history is meticulously chronicled at the Port Huron Museum, where artifacts, exhibits, and tales of yore take visitors on a voyage through time. The iconic Fort Gratiot Lighthouse, the state's oldest lighthouse, stands tall as a beacon of Port Huron's enduring spirit and offers panoramic views of the surrounding waters.

For the epicurean traveler, Port Huron delights with a medley of flavors. Its dining scene, influenced by its waterfront locale, offers everything from fresh catch seafood delicacies to traditional American fare. The city's proximity to Canada also introduces a delightful melding of cuisines, resulting in a gastronomic adventure for the discerning palate.

A fascinating tidbit about Port Huron involves the revered inventor, Thomas Edison. While Edison was born in Ohio, he spent his formative years in Port Huron, and the city is often credited with sparking his insatiable curiosity. Today, the Thomas Edison Depot Museum stands in homage to the inventor, showcasing his early experiments and innovations.

Port Huron's tapestry is woven with threads of history, commerce, culture, and natural splendor. It's a city that celebrates its past, revels in its present, and looks forward to its future with optimism. For those yearning for a blend of maritime magic, historical exploration, and waterfront wonders, Port Huron, Michigan, beckons with its unique charm and myriad tales of the Great Lakes.

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 Port Huron, MI.

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

Weather Risks:

  • Impact: The weather outlook from the National Weather Service indicates that there are possibilities of thunderstorms with associated risks like heavy rainfall, lightning, and wind gusts.
  • Implications:
    • Public Awareness: Residents should be updated with real-time weather information and advised on safe practices during storms.
    • Infrastructure Preparedness: Ensure drains and stormwater systems are clear and functional to deal with potential heavy rainfall.
    • Emergency Services: Ensure services are on standby for potential incidents and to assist residents as required.
  • Impact: Port Huron has a significant risk of flooding, affecting a substantial percentage of properties, roads, commercial areas, infrastructure facilities, and social facilities.
  • Breakdown:
    • Residential: Over a third of homes (3,579 out of 9,656) are at major risk.
    • Roads: 69% of the roads (132 out of 191 miles) have a significant risk of flooding, which can disrupt transportation and access.
    • Commercial Properties: Almost half (295 out of 627) are at severe risk, indicating potential economic impacts.
    • Critical Infrastructure: Almost a third (9 out of 29) of these facilities face a severe flood risk, which can lead to disruptions in essential services.
    • Social Facilities: Over half (22 out of 40) are under severe risk, impacting the community’s social services and gatherings.
  • Implications:
    • Urban Planning and Infrastructure: Implement flood barriers, retention basins, and effective stormwater management systems. Reevaluate construction in flood-prone areas.
    • Public Awareness and Preparedness: Engage the community in flood awareness campaigns and drills. Encourage property owners to consider flood insurance.
    • Emergency Response: Ensure emergency services are equipped and trained to respond to flooding scenarios, including water rescues.
    • Economic Considerations: Businesses, especially those in severely affected areas, should have contingency plans for potential flood events.
  • Impact: Coastal and beach areas in Port Huron are vulnerable to the effects of severe weather, especially given the thunderstorm forecasts. The heavy rainfall, wind gusts, and thunderstorms could lead to heightened water levels, strong currents, and potential erosion.
  • Implications:
    • Public Safety: Residents and tourists should be advised against visiting beaches during storm warnings. Lifeguards, if present, should be adequately equipped and trained to handle emergencies.
    • Erosion Control: The city might need to implement coastal management strategies to reduce beach erosion, especially after heavy storms.
    • Infrastructure Protection: Facilities located near the beachfront, such as boardwalks, recreational facilities, or commercial properties, should be built or retrofitted with materials that can withstand the effects of severe weather.
    • Environmental Impact: Coastal ecosystems can be disrupted by significant weather events. Efforts should be made to rehabilitate and protect these areas post-storm.

Recommended Port Huron Neighborhoods:

Property Crime Rates in Port Huron, MI.

Port Huron, situated in Michigan, has a distinctive crime profile that offers critical insights into its safety dynamics when contrasted against national, state, and similarly sized community standards.

  • Port Huron, with its 27 crimes per 1,000 residents, exceeds the national average crime rate. Even so, it doesn’t find itself among the highest crime-ridden localities.
  • A resident of Port Huron has a 1 in 37 likelihood of falling victim to a crime. This indicates a relatively elevated risk when juxtaposed against many other U.S. locales.
  •  In the broader Michigan context, Port Huron’s crime scene appears more unsettling. It outstrips an alarming 92% of the other cities and towns in the state, irrespective of their size.
  • When benchmarked against towns of similar population size, Port Huron’s crime rate, which encompasses both violent and property crimes, emerges as substantially higher than most. This means that, among its peers, Port Huron leans towards the less safe end of the spectrum.

Violent Crime Insights:

Property Crime Insights:

In summary, Port Huron, Michigan, presents significant crime-related challenges, both in terms of violent and property offenses. Both the overall and violent crime rates stand notably higher than national averages, especially when compared to communities of similar size. While property crime also remains a concern, the violent crime statistics warrant special attention. For residents and local authorities, these data points emphasize the importance of community-led initiatives and preventive measures to build a safer environment.

Seek Professional Advice:

If you're unsure about which insurance policy is best for your mobile, manufactured, or prefab home, consider seeking advice from insurance agents or brokers who specialize in this type of coverage. They can provide personalized recommendations based on your specific circumstances.

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.

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.

Think About What You Need:

Take a moment to consider what you're looking for in an insurance plan. Do you want to protect your home and belongings only, or also get liability coverage? How much could you afford to pay if something happened? Knowing what you need will help you narrow down your options.

Additional Structures:

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Mitigation Measures:

If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.

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 Port Huron, 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.

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 or Community in Port Huron, MI

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

Stocks Creek

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

Marysville Farms

Address: Minnesota Road, Port Huron, MI 48060
Community Type: All Ages Community Availability: Vacant Sites Available, Preferred Date options available
Community Features: Pets Allowed (No aggressive breeds), Off-Street Parking, Playground, Street Width: Wide, Street
Type: Paved
Year Built: 2000
Number of Sites: 158
Multisection Homes: 75%
Homes w/ Peaked Roofs: 100%
Homes w/ Lap Siding: 100%
Distance to water: 1.8 Miles
Distance to golf: 3 Miles
Distance to parks: 1 Mile
Amenities: Basketball Court, Contact
Name: Brad

Minnesota Lake

Address: 1219 Minnesota Road, Port Huron, MI 48060
Community Type: All Ages Community
Availability: Tour this Park, Preferred Date options available
Community Features: Pets Allowed (Community Approval), Off-Street
Parking, Playground, Clubhouse, Sidewalks, Street Width: Average, Street Type: Paved
Year Built: 1999
Number of Sites: 161
Multisection Homes: 100%
Homes w/ Peaked Roofs: 100%
Homes w/ Lap Siding: 100%
Distance to water: 2 Miles
Distance to golf: 3 Miles
Distance to parks: 1 Mile

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 Port Huron, MI

When it comes to getting mobile home insurance in Port Huron, 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:

  • Reasoning: Port Huron is located on the shores of Lake Huron. This coverage offers liability protection for accidents or injuries that might occur on your waterfront property.
  • Reasoning: With access to Lake Huron, there might be water-based activities. This coverage offers liability protection if accidents occur during lake-based activities.
  • Reasoning: Port Huron hosts maritime events. This coverage offers liability protection in case of accidents or injuries that might occur while attending or participating in these events.
  • Reasoning: If you have equipment on the waterfront, like boats or watercraft, this coverage helps protect these assets from damages or theft.
  • Reasoning: Coastal properties can face erosion risks. This coverage helps address damages due to erosion or property-related challenges near Lake Huron.
  • Reasoning: Parking near the water can have specific challenges. This coverage addresses potential damages from accidents that might occur in these areas.
  • 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 Port Huron MI, don't hesitate to get a CoverTree quote now.

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