Covertree’s Comprehensive Guide
Powered by
The Shelby Township area experiences severe thunderstorms that can lead to the formation of tornadoes. The history of tornadoes in the surrounding areas like Macomb County indicates the potential for damage. Tornadoes can have destructive wind speeds, and along with severe thunderstorms, they can produce large hail.
Implications on Mobile Home & RV Insurance:
Mobile homes and RVs are particularly vulnerable to tornadoes and wind damage. The lightweight structure of a mobile home or RV means they can be easily damaged or overturned by strong wind gusts. Consequently:
Severe thunderstorms can also lead to sudden, intense rainfall causing flash floods. While the article does not specifically state flash floods, it’s a common issue in areas with severe thunderstorm warnings.
Implications on Mobile Home & RV Insurance:
Mobile homes and RVs can be severely damaged by flooding. Water can quickly compromise the structural integrity, leading to expensive repairs.
Doppler radar has frequently detected hail near Shelby Township. Hail can range in size, but when it’s larger than a quarter, it can cause significant damage to property, including mobile homes and RVs.
Implications on Mobile Home & RV Insurance:
Hail can cause dents, broken windows, and other structural damages to mobile homes and RVs.
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.
Travel trailers, camping trailers, and
motor homes are typically insured under automobile, recreational vehicle, or special
policies.
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.
Address: 13955 Bronte Drive, Shelby Township, MI 48315
Community Type: All Ages Community
Community Features: Playground, clubhouse, swimming pool, and more.
Availability of Homes for Sale: 6 Homes for Sale, Vacant Sites Available
About: Shelby Forest is an all-ages community located in Shelby Township. They are currently running a Red Tag Sale with savings of up to $20,000 on select homes. The community features various amenities and is conveniently located near water, golf courses, and parks.
Address: 2017 Shirewood Dr., Shelby Township, MI 48317
Community Type: All Ages Community
Community Features: Off-street parking, sidewalks, and more.
Availability of Homes for Sale/Rent: 6 Homes for Sale, Rental Homes Available, Vacant Sites Available
Current Promotions: Save up to $5,000 during their Buy Now Save Now Sales Event.
About: Dequindre Estates is an all-ages manufactured home community on the western edge of Shelby Township, offering homes for sale with modern amenities.
Address: 12277 Conservation Trail, Shelby Township, MI 48315
Community Type: All Ages Community
Community Features: Playground, clubhouse, swimming pool, and more.
Availability of Homes for Sale/Rent: 15 Homes for Sale, Rental Homes Available, Vacant Sites Available
Current Promotions: They are running a Red Tag Sale with savings of up to $20,000 on select homes.
About: Shelby West is located in Shelby Township and offers a variety of amenities. They are currently running a Red Tag Sale with significant savings on select homes.
Finding the Best Mobile Home Insurance in Shelby Charter Township, MI
References:
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
Copyright © 2022 CoverTree Inc. All rights reserved
Any questions?
+1 (877) 417-8733
Call us at (877) 417-8733 or submit your information below
A CoverTree team member will be in touch within an hour
Please make sure your address is clicked on from the dropdown menu. Double check for typos and try retyping your address. Ensure your unit/lot number is separate and in the box on the right.
If we still can’t find it, please give us a call at (877) 417-8733 or email us at team@covertree.com.