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

A Guide to Mobile Home Insurance in Rochester Hills, MI: Costs, Coverage, and Considerations

Welcome to Rochester Hills, MI – Named as one of the best cities to live in the United States, Rochester Hills, MI offers a charming and vibrant Midwestern lifestyle just 30 miles north of Detroit. This small community, with its cute neighborhoods, delicious restaurants, apple orchards, and cider mills, is the epitome of a perfect Midwest city. Whether you’re exploring the past at the Rochester Hills Museum at Van Hoosen Farm or enjoying the scenic beauty of the Clinton River and the city’s numerous parks, Rochester Hills has something for everyone.

Education is top-notch in Rochester Hills, with excellent K-12 schools and renowned institutions like Oakland University and Rochester University. The low crime rate, friendly neighbors, and diverse housing options make this city even more alluring. With major industries such as manufacturing, healthcare, retail, and educational services, along with prominent employers like Oakland and Rochester universities and Ascension Providence Rochester Hospital, there are plenty of opportunities for career growth. The weather in Rochester Hills brings chilly winters and pleasant summers, allowing residents to enjoy the beauty of all seasons. When it comes to outdoor activities, Rochester Hills truly shines. From exploring Spencer Park and its stunning lake views to taking a hike through the glowing concrete trail in Innovation Hills, there’s no shortage of ways to enjoy the great outdoors. If you’re a remote worker, Rochester Hills is remote-ready and perfect for a tight-knit community. Along with lakeside living perks, like spending a leisurely afternoon at Thelma Spencer Park or Innovation Hills, you’ll find a supportive community that will keep you connected and engaged.

Locals in Rochester Hills have their favorite spots and activities too. The public library is a haven for book lovers, offering a next-level experience. Yates Cider Mill is a must-visit, especially if you’re in the mood for a scoop from the Ice Cream Shoppe. For some free fun, explore the picturesque trails at Innovation Hills. And when it’s time for happy hour, grab a slice of pizza and a beer at Hamlin Pub.

Rochester Hills also has its hidden gems known only to the locals. The Festival of the Hills, an annual event filled with music, family fun, food, and fireworks, is a cherished tradition that brings the community together. With its unique charm, excellent schools, and friendly residents, Rochester Hills truly shines as one of the best places to live in Michigan. The real estate market here offers serene, green streets of suburban housing, with a wide variety of architectural styles to choose from. Whether you’re a young professional or a growing family, Rochester Hills provides ample space and value for all. If you’re thinking of moving to Rochester Hills, you’ll find a city that embraces its history, offers a plethora of attractions, and provides endless opportunities for outdoor activities. With Rochester College and Oakland University in the area, higher education is easily accessible. Come and experience the charm, warmth, and opportunities that Rochester Hills, MI has to offer. It may just be the perfect place to call home.

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 Rochester Hills, MI

Choosing the right mobile home insurance for Rochester Hills, MI is crucial to protect your investment and ensure peace of mind. Here are some key factors to consider when selecting mobile home insurance:

Choosing the Right Mobile Home Insurance for Rochester Hills, MI

Weather Risks in Rochester Hills

Rochester Hills, MI, faces a risk of wildfire that may impact properties and various aspects of the community. Understanding the risks and taking appropriate measures can enhance preparedness and safety.

Out of the total properties in Rochester Hills, 23% (5,290 properties) have some level of risk of being affected by wildfire over the next 30 years. This includes residential, commercial, critical infrastructure, and social facilities. Residential Minor Risk: 4,549 out of 20,061 homes Commercial Minor Risk: 69 out of 636 commercial properties Critical Infrastructure Minor Risk: 8 out of 28 infrastructure facilities Social Facilities Minor Risk: 14 out of 64 social facilities It’s important to note that the level of risk varies for each property, contributing to Rochester Hills’ overall minor risk of wildfire. Wildfires can have significant impacts on properties, utilities, emergency services, evacuation routes, and the area’s economic well-being.

Aside from the wildfire risk, Rochester Hills also has minor risk from flooding, minimal risk from severe winds, and minor risk from heat.

Rochester Hills, MI Neighborhoods to consider

If personal safety is a top priority, the following neighborhoods in Rochester Hills are considered the safest:

Property Crime Rates

Addressing property crime rates is essential to ensuring community security. Here are the current property crime statistics for Rochester Hills:

Property Crime Rates

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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

In case of major repairs or if your mobile home becomes uninhabitable, some policies offer coverage for temporary living expenses. Check if this is included or available as an optional add-on.


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.

Underwriting Process

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

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 Rochester Hills, 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 Rochester Hills, MI

When it comes to mobile home insurance in Rochester Hills, 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.

Finding the Best Mobile Home Insurance in Rochester Hills, MI



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