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Protect Your Manufactured Home in Romulus, MI.

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

Welcome to Romulus, Michigan- a place that serves as a crossroad of history, progress, and community connections!

Resting at the southwestern fringes of the bustling Metro Detroit region, Romulus, Michigan, stands as a harmonious blend of historical reverence, industrial prowess, and tight-knit community spirit. Its unique geographical positioning has, over the years, allowed it to develop into a significant hub for transportation and commerce, yet it remains deeply rooted in its rich past, with remnants of its history whispering tales from every corner.

The origins of Romulus are steeped in early American settler history, with the area first being inhabited in the early 19th century. Named after the legendary founder of Rome, the township’s moniker is a testament to its founders' aspirations for growth and grandeur. As Detroit evolved into a behemoth of automotive industry, Romulus smartly navigated its growth, becoming instrumental in the region's logistics and transportation landscape.

Nature holds a dear place in Romulus's ethos. Despite its industrial leanings, the city boasts numerous green retreats, like Mary Ann Banks Memorial Park and Elmer Johnson Park. These spaces serve as lungs for the city, offering residents recreational avenues and a chance to connect with Michigan’s innate natural beauty.

Romulus's cultural fabric is woven with threads of community engagement and tradition. The Romulus Historical Museum is a treasure trove for history buffs, offering insights into the area’s past, its challenges, and its evolution. The city's calendar, peppered with events like the annual Pumpkin Festival, ensures that there's always a reason for residents to come together in celebration.

The culinary scene in Romulus is both diverse and delightful. With its proximity to Detroit, the city enjoys a culinary ripple effect, playing host to a range of eateries that serve everything from classic Midwestern fare to international delights. Whether it's a local diner serving the comfort food of yesteryears or a new establishment experimenting with global flavors, Romulus guarantees a gastronomic journey.

But perhaps, the most defining feature of Romulus is its strong community ethos. The city has always prioritized the well-being of its residents, investing in education, safety, and public services. The Romulus Community Schools system, with its emphasis on holistic education, is a reflection of this commitment.

The modern narrative of Romulus is indelibly linked to Detroit Metropolitan Wayne County Airport, one of the busiest international airports in the United States. This proximity to a significant transportation hub positions Romulus as a city of strategic importance, creating avenues for business and further growth.

Romulus, Michigan, with its juxtaposition of history and modernity, nature and industry, serves as a microcosm of the broader Detroit region's spirit. It embodies resilience, adaptability, and a deep sense of community. For those tracing the narrative of Michigan's evolution, Romulus offers a chapter that's both enlightening and inspiring, showcasing the potential that lies in the confluence of the past, present, and future.

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 Romulus, MI.

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

Weather Risks:

  • Weather Risk: Romulus has a moderate risk of flooding over the next 30 years. A total of 837 properties in the area have a significant chance of experiencing severe flood effects in the same timeframe. This represents 16% of all properties in Romulus. Additionally, specific aspects of the city infrastructure, such as roads, commercial properties, and critical infrastructure, face varying degrees of flood risk.

 

  • Implication: Flooding can result in substantial property damage, leading to economic strain on homeowners and businesses. It can also disrupt utilities, hinder access to emergency services, and interrupt transportation. To mitigate these risks, residents and property owners should consider investing in flood insurance, ensuring proper drainage systems, and staying informed about local weather updates, especially during the rainy season. The city may also need to consider investing in flood prevention measures and infrastructure improvements.
    • Weather Risk: Romulus has an above-average tornado index, suggesting a higher likelihood of tornado events compared to the broader Michigan and U.S. averages.

    • Implication: Tornadoes can cause significant property damage, injuries, and even fatalities. Residents should be educated on tornado safety, including having a designated shelter area in their homes, staying updated with weather alerts, and having an emergency kit prepared. The community may benefit from regular drills and educational campaigns, ensuring that everyone knows what to do during a tornado event.
    • Weather Risk: Romulus has recorded a significant number of thunderstorm wind events, with 2,172 such incidents within a 50-mile radius between 1950 and 2010. Thunderstorm winds can be highly destructive and are often accompanied by other severe weather events.

    • Implication: Damaging winds can lead to fallen trees, power outages, property damage, and even injuries. Residents should ensure that trees near their property are trimmed and in good health, reduce the risk of flying debris by securing outdoor objects, and always take shelter during severe thunderstorm warnings. The local government can also ensure that power lines and other infrastructure are built or upgraded to be resilient against strong winds.

In conclusion, while Romulus, MI, is vulnerable to various weather-related hazards, awareness, preparedness, and proactiveness can help in reducing the impacts of these events. Proper city planning and infrastructure improvements, combined with community education, will play a crucial role in ensuring the safety and well-being of its residents.

Recommended Romulus Neighborhoods:

Property Crime Rates in Romulus, MI.

Romulus possesses a distinct crime landscape. Assessing its crime figures reveals important aspects about the potential safety hazards for its residents.

  • Romulus, with 35 crimes per 1,000 residents, has one of the more prominent crime rates in the U.S. When juxtaposed with other American communities, both minuscule and mammoth, Romulus certainly warrants concern.
  • In Romulus, the probability of becoming a crime victim is 1 in 29. This places Romulus in an unenviable spot on the national safety scale.
  • Within Michigan’s borders, Romulus overshadows a significant 95% of other cities and towns in terms of its crime rate.
  • When contrasted against other locations with similar population numbers, Romulus’ crime rate per 1,000 residents is markedly higher than the average.

Violent Crime Insights:

Property Crime Insights:

Romulus' crime panorama is deeply concerning, with pronounced issues in both violent and property crimes. The elevated murder and motor vehicle theft rates further accentuate the safety challenges. For a safer community, a holistic approach encompassing vigilant residents, efficient law enforcement, and community programs is essential. It's pivotal for residents to be informed and for the community to unite in combating these elevated crime rates.

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.

Check Customer Reviews:

Make sure you check out what other customers have to say about their experience with the company you're considering. Customer reviews can help you get an idea of how the company treats its clients.

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.

Claims Process and Customer Service:

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

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.

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 Romulus, 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 Romulus, MI

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

Royal Village Trailer Court

Address: 28261 Van Born Road, Romulus, MI 48174
Community Type: All Ages Community
Community Features: Street Width:
Average, Age Restrictions: No
Year Built: 1942
Number of Sites: 100
Distance to water: 12.3 Miles

Huron Estates

Address: 22000 Inkster Road, Romulus, MI 48174
Community Type: All Ages Community
Community Features: Pets Allowed
(Breed Restrictions), Off-Street
Parking, Playground, Clubhouse, Sidewalks, Swimming Pool, Recreational Facilities, Street Width: Average, Street Type: Paved, Age Restrictions: No
Year Built: 1976
Number of Sites: 806
Multisection Homes: 30%
Homes w/ Peaked Roofs: 65%
Homes w/ Lap Siding: 65%
Distance to water: 2 Miles

West Village Estates

Address: 7040 Shawnee, Romulus, MI 48174
Community Type: All Ages Community Community Features: Pets Allowed (Limit 2, Breed Restrictions), Off-Street Parking, Playground, Clubhouse, Swimming Pool, Street Width: Wide, Street Type: Paved, Age Restrictions: No
Year Built: 1994
Number of Sites: 629
Multisection Homes: 50%
Homes w/ Peaked Roofs: 100%
Homes w/ Lap Siding: 100%
Distance to water: 2.7 Miles

Metro Commons

Address: 28745 Van Born Rd., Romulus, MI 48174
Community Type: All Ages Community
Community Features: Pets Allowed (Contact Community for Details), Playground, Clubhouse, Sidewalks, Swimming Pool, Recreational Facilities, Street Width: Average, Street Type: Paved, Age Restrictions: No
Year Built: 1983
Number of Sites: 227
Multisection Homes: 20%
Homes w/ Peaked Roofs: 10%
Homes w/ Lap Siding: 30%
Distance to water: 10.9 Miles

Quality Homes (Dealer)

Dealer Address: 22000 Inkster Road, Romulus, MI 48174
Dealer Type: Mobile Home Dealer
Availability: 9 Homes for Sale

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 Romulus, MI

When it comes to getting mobile home insurance in Romulus, 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: Romulus is home to Detroit Metropolitan Wayne County Airport. This coverage offers liability protection for accidents or injuries that might occur on your property due to the airport’s proximity.
  • Reasoning: Romulus has parks and recreational areas. This coverage offers liability protection in case of accidents or injuries that might occur while using local parks and facilities.
  • Reasoning: Romulus hosts community events. This coverage offers liability protection in case of accidents or injuries that might occur while attending or participating in these events.
  • Reasoning: Living near an airport can involve noise concerns. This coverage addresses damages related to noise disturbances or unexpected disruptions caused by airport activities.
  • Reasoning: Being near the airport, this coverage addresses damages to property infrastructure due to unique factors like airport-related activities or noise.
  • Reasoning: If you use community centers, this coverage offers liability protection in case of accidents or injuries that might occur in common areas or due to community center activities.
  • 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 Romulus MI, don't hesitate to get a CoverTree quote now.

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