Disclaimer: Data Accuracy and Sources
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.
Welcome to Shelby, Michigan- a place where a caring community, picturesque nature, and timeless charm, entwine.
Amidst the grand mosaic of Michigan’s landscapes, Shelby emerges with a charm uniquely its own. Located in the expansive terrains of Oceana County, this town, often referred to in context as Shelby Township in Macomb County, showcases the timeless beauty of Michigan’s heartland, all the while encapsulating a spirit of community and progress.
Shelby’s origins are deeply rooted in the 19th century, echoing tales of pioneering spirits and communities that blossomed amidst the state’s vast woodlands and fertile fields. Over the years, as Michigan transformed and modernized, Shelby, too, underwent its metamorphosis, transitioning from an agricultural linchpin to a vibrant town with a vision for the future.
The natural beauty of Shelby is one of its most defining characteristics. Around the town, sprawling fields stretch towards the horizon, punctuated by pockets of dense woods and shimmering water bodies. It’s a place where residents often find themselves in tune with the rhythms of the seasons, witnessing nature’s grand spectacles unfold throughout the year.
At the heart of Shelby is its community. The town, with its festivals, local events, and gatherings, resonates with a sense of camaraderie. Events such as the Oceana County Fair and local farmers’ markets not only highlight the area’s agricultural prowess but also underscore the tight-knit nature of the Shelby community.
For the gastronomic traveler, Shelby offers a delightful array of culinary experiences that mirror Michigan’s rich food heritage. From farm-to-table eateries serving locally sourced dishes to quaint cafes that have been town staples for decades, dining in Shelby is a journey of flavors and memories.
Education and community development remain paramount in Shelby’s vision for the future. With schools that focus on holistic development and public spaces that encourage community engagement and recreation, Shelby continually reinforces its commitment to creating a nurturing environment for all its residents.
One of the lesser-known facts about Shelby is its deep connection to Michigan’s agricultural legacy. The town and its surrounding areas have historically been significant contributors to the state’s fruit farming industry, particularly apples, making it an integral part of Michigan’s “fruit belt.”
Shelby Charter Township is more than just a dot on the state’s map. It’s a testament to the enduring spirit of Midwestern communities, where the echoes of the past harmoniously blend with aspirations for the future. Whether you’re a resident, a visitor, or someone looking to delve deeper into the intricacies of Michigan’s diverse tapestry, Shelby offers a warm welcome and stories that linger long after you’ve left.
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.
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.
When shopping for mobile home insurance in Shelby Charter Township, MI, it's important to consider several factors. Here are the key points to keep in mind:
Shelby Township, Michigan, has a distinct crime profile when examined against national and state statistics. Here's a detailed exploration of the crime dynamics in this city:
Violent Crime Rate: The violent crime rate in Shelby Township is alarmingly high compared to most American communities, regardless of their size. Crimes such as armed robbery, aggravated assault, rape, and murder happen at a rate of 3 per 1,000 residents. To put this in perspective, there's a 1 in 370 chance that a resident of Shelby Township will fall victim to a violent crime.
Property Crime Rate: Property crime, which encompasses offenses like burglary, larceny of over fifty dollars, motor vehicle theft, and arson, is particularly prevalent in Shelby Township. The data indicates a rate of 33 per 1,000 residents, meaning that individuals in Shelby Township face a 1 in 30 chance of experiencing a property crime.
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.
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.
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.
While understanding what is covered is essential, it's equally crucial to know what's not covered. Be clear on any policy exclusions or limitations.
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Shelby Charter Township, 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!
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 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 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.
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.
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.
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.
When it comes to getting mobile home insurance in Shelby Charter Township, 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:
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