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Protect Your Manufactured Home in Rochester Hills, MI

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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.

Mobile home insurance in Michigan typically ranges from $300 to $1,000 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 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:

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:

Although Rochester Hills generally has lower property crime rates compared to the state average, it is still important to remain vigilant and take necessary precautions to protect personal property and belongings.

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.

Endorsements

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 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 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!

Did You Know?

The regulations for mobile home parks in Michigan cover various aspects such as park license requirements, park maintenance, safety standards, utilities, and tenant rights.

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 in Rochester Hills, MI

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

Palm Harbor Homes

Palm Harbor Homes is a reputable national manufacturer of manufactured and modular homes. While they do not have a specific location in the Rochester Hills area, they have dealerships throughout Michigan. You can explore their website for floor plans, design options, and locate a dealer near you.

Skyline Champion

Skyline Champion is another prominent national manufacturer of manufactured and modular homes, resulting from the merger of Skyline Corporation and Champion Home Builders. They have a network of authorized dealers throughout Michigan, offering a range of home designs and customization options.

Rochester Estates

If you’re looking for all the benefits of homeownership, at an extremely affordable price, then look no further than the new models and previously-owned homes at Rochester Estates! Rochester Estates is located within the Rochester Community School District including Stoney Creek High School, recently rated among the top schools in the country. Rochester Estates is perfect for families seeking a secure, amenities-rich manufactured home community.

Vista Del Sol

A pet-friendly community, Vista del Sol is an all-age manufactured home community in the northwestern corner of Mesa, Arizona offering homes for sale with modern features perfect for any lifestyle. Vista del Sol prides itself on establishing a caring community for all its residents. Its amenities and nearby attractions make it an ideal place to live in Mesa and a community you are proud to call home.

Avon on the Lake

Avon on the Lake is a 55+ community located in Rochester Hills that is located just a few minutes from the M-59 and I-75 highways. You can enjoy being close to downtown Rochester restaurants, shopping, entertainment, golf, Crittenton Hospital, churches, and more. Community amenities in the park include an on-site library, planned community events, a fitness center and billiards area.

Quality Homes

They offer new and pre-owned manufactured homes for sale, providing people with an affordable solution to traditional home ownership. Their manufactured homes are built to the highest standards of craftsmanship and design. Living in one of their impeccably maintained communities with resort-style amenities is the perfect way to live what they call - “the Quality Living Lifestyle.”

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:

Dwelling

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.

Liability

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 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. Mobile homes require specific insurance coverage tailored to their unique characteristics and vulnerabilities. In Rochester Hills, 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:

Specialized coverage designed specifically for mobile homes
in Rochester Hills, providing protection against common perils such as fire, windstorms,
lightning, and other hazards prevalent in the area.

Coverage for your personal belongings inside the
mobile home, including furniture, appliances, electronics, clothing, and other
possessions, safeguarding them from damage or theft.

Protection for structures detached from your mobile
home, such as sheds, garages, and fences, against covered perils in Rochester Hills.

Coverage for additional living expenses if your mobile home
becomes uninhabitable due to a covered peril, offering funds for hotel stays, meals, and
other essentials while repairs are being carried out.

This unique coverage is specific to mobile homes and
provides protection while your home is in transit, whether moving to a new location or
during seasonal relocation.

Coverage to help cover the costs of moving your
mobile home to safety if it's in imminent danger from a covered peril, such as a wildfire
or flood.

If your mobile home is damaged due to a covered peril
during a trip, this coverage provides reimbursement for additional expenses, such as
lodging and transportation.

Given Rochester Hills' weather patterns, this coverage
can offer additional protection against wind and hail-related damages.

As parts of Rochester Hills are located near bodies of water, consider
obtaining a separate flood insurance policy through the National Flood Insurance
Program (NFIP) to protect your mobile home against flood damage.

Ensures that your mobile home and belongings are
replaced at current market prices without accounting for depreciation after a covered
loss.

Coverage to help with the cost of removing debris after a
covered loss, ensuring your property is cleared safely and efficiently.

  • Protection in case of bodily injury or property damage to
    others for which you're legally responsible while on your Rochester Hills property.
  • Coverage for medical expenses if someone is injured on
    your Rochester Hills property, regardless of fault, to prevent potential lawsuits.
  • Coverage to help with the cost of emergency repairs
    to prevent further damage to your mobile home after a covered loss.
  • If your mobile home has custom features
    or upgrades, consider extended coverage to protect those unique additions.

    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 Rochester Hills, MI.

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

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