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

Welcome to Roseville, Michigan- a place that serves as a crossroad of histora land that boasts of symphony in legacy, community, and flourishing suburban life!

Nestled in the heart of Macomb County, not far from the rhythms of Detroit's metropolis, is Roseville, Michigan. A city that has seamlessly married its deep-seated history with the aspirations and vigor of the 21st century. As you walk its streets, drive its avenues, or engage with its vibrant community, you'll quickly recognize that Roseville is a true emblem of the tenacity and charm that characterizes southeastern Michigan.

The tale of Roseville begins in the 19th century, blossoming from humble agricultural beginnings. The name itself is believed to have been derived from the Roseville Post Office, a vital establishment in the community's early days. As the gears of the 20th century began turning, Roseville, like many of its neighbors, transitioned from farmland to a more urbanized setting, influenced by Detroit's booming automotive and industrial landscape.

Nature's embrace is evident throughout Roseville. Spaces like Huron Park and Veterans Memorial Park offer serene environments for leisure, family time, and sporting activities. These green havens stand as testament to Roseville's commitment to preserving pockets of nature amidst urban growth, ensuring that the city's heartbeat remains synced with the calming rhythms of the outdoors.

Culture and community are the twin pillars on which Roseville stands tall. The Roseville Public Library, with its expansive collections and community-centric programs, is a beacon of knowledge and connection. Moreover, the city’s annual events, such as the “RoseFest,” provide delightful opportunities for residents to come together in celebration, music, and mutual camaraderie. The culinary canvas of Roseville is as varied as it is delightful. Reflecting the broader diversity of Michigan, the city's dining scene spans from classic American diners to an array of international cuisines. Here, traditional family-run establishments coexist harmoniously with new-age cafes, ensuring a taste experience that's both nostalgic and innovative.

Community welfare and development have always been at the forefront of Roseville's vision. The city boasts of a robust educational infrastructure, progressive public services, and a responsive administration. Organizations like the Roseville Community Schools system emphasize holistic education, ensuring that the city's youth are well-prepared for the challenges and opportunities of the future.

An intriguing tidbit about Roseville that many might not know is its significance in the realm of retail history. The city is home to the Eastland Center, which, when it opened its doors in the 1950s, was one of the largest shopping centers in the Midwest. In essence, Roseville, Michigan, is a beautiful blend of the past's echoes with the promises of tomorrow. It is a city where community isn’t just a word, but a lived experience, where every street corner has a story, and where the spirit of Michigan shines brightly. Whether you're a resident, a visitor, or someone looking to understand the fabric of this region, Roseville welcomes you with open arms and countless tales.

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 Roseville, MI.

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

Weather Risks:

    • Weather Risk: Roseville has recorded a substantial number of thunderstorm wind events, with 1,569 incidents within a 50-mile radius from 1950 to 2010. These winds are often associated with severe weather conditions and can be accompanied by other events like hail.

    • Implication: Thunderstorm winds can lead to extensive property damage, power outages, and potential injuries. Falling trees, flying debris, and structural damage are common outcomes. Residents should secure outdoor objects during warnings, regularly maintain trees near properties, and always take shelter during severe thunderstorms. It would also be beneficial for the local government to invest in robust infrastructure that can withstand such winds and maintain early warning systems.
  • Weather Risk: Though there have been no on-the-ground reports by trained spotters, Doppler radar has detected hail near Roseville on 25 occasions, which includes 2 instances in the past year. Hail can cause significant damage to crops, vehicles, roofs, and other property.

 

  • Implication: Hail can lead to significant economic losses, especially for car owners and homeowners with potential roof damages. Residents should be informed about the potential of hailstorms and consider protective measures like keeping vehicles in garages or under shelters during warnings. It might also be wise to assess roof conditions periodically, as continuous hail impacts can degrade roofing materials over time.
  • Weather Risk: Roseville has an elevated tornado index when compared to the broader Michigan and U.S. averages, suggesting a higher probability of tornado events in the region.

 

  • Implication: Tornadoes are highly destructive and can result in severe property damage, injuries, and loss of life. Community education on tornado preparedness is crucial. Residents should be advised to have a designated shelter area in their homes, maintain an emergency kit, and stay updated with weather alerts. Regular community drills and information campaigns can ensure everyone knows what actions to take during a tornado warning.

In summation, while Roseville, MI faces several weather-related challenges, proper preparedness and community awareness can significantly mitigate the potential impacts of these events. By investing in both infrastructure and education, the city can better protect its residents and assets from the unpredictable forces of nature.

Recommended Roseville Neighborhoods:

Property Crime Rates in Roseville, MI.

Roseville has a noteworthy crime profile. An evaluation of its crime statistics provides a clear view of the challenges its residents might face.

  • With a crime rate of 31 incidents per 1,000 inhabitants, Roseville’s crime rate is significantly high. When contrasted against other American towns and cities, regardless of size, the figures are concerning.
  •  In Roseville, there’s a 1 in 32 likelihood of becoming a victim of crime, indicating a heightened level of risk for residents.
  • Analyzing the crime landscape across Michigan, it’s evident that Roseville’s crime rate eclipses that of a staggering 93% of the state’s other communities.
  • When scrutinized alongside communities with comparable populations, Roseville’s crime rate per 1,000 residents emerges as noticeably above average.

Violent Crime Insights:

Property Crime Insights:

Roseville's crime situation, especially concerning violent and property crimes, is quite alarming. The data underscores the significance of community awareness, proactive policing, and preventive measures. Residents must remain vigilant, and collective efforts can pave the way towards creating a safer environment in Roseville.

Deductibles and Premiums:

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Talk to an Insurance Agent:

Want to talk to someone with experience in the field? Reach out to an independent insurance agent who can help you choose the right policy for your needs.

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.

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.

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.

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 Roseville, 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 Roseville, MI

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

Leslie's Mobile Home Village

Address: 25214 Gratiot Avenue, Roseville, MI 48066
Community Type: All Ages Community Community Features: Clubhouse, Sidewalks, Street Width: Average, Age Restrictions: No
Year Built: 1955
Number of Sites: 166
Distance to water: 4.3 Miles

River's Edge (Dealer)

Dealer Address: 38000 Le Chateau Blvd, Clinton Township, MI 48038 Dealer Type: Mobile Home Dealer
Availability: 15 Homes for Sale About: River's Edge is an all-age manufactured home community located along the northern shore of the Clinton River in Clinton Township, Michigan. They offer a variety of amenities and nearby locations, making it a desirable place to call home.

Dantes Manufactured Homes (North) (Dealer)

Dealer Address: Atlantic Street, Milford, MI 48381
Dealer Type: Mobile Home Dealer Availability: 10 Homes for Sale
About: Dantes Manufactured Homes, LLC (North) is your source for Southeast Michigan manufactured homes located north of I-96/I-696. They also provide free home evaluations and can assist with buying or selling a manufactured home in the region.

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 Roseville, MI

When it comes to getting mobile home insurance in Roseville, 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: Roseville is an urban area. This coverage offers liability protection for accidents or injuries that might occur on your urban property.
  • Reasoning: Urban living can involve noise concerns. This coverage addresses damages related to noise disturbances or unexpected urban disruptions.
  • Reasoning: Roseville might have local cultural events. This coverage offers liability protection in case of accidents or injuries that might occur while attending or participating in these events.
  • Reasoning: If your property is part of a community association, this coverage addresses damages to shared areas or structures within the association.
  • Reasoning: If you attend local community events or festivals with your RV, this coverage offers protection during transit and while parked at event locations in Roseville.
  • Reasoning: Roseville might have local green spaces. This coverage offers liability protection in case of accidents or injuries that might occur while visiting or using 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 Roseville MI, don't hesitate to get a CoverTree quote now.

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