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Protect Your Manufactured Home in Southfield, MI.

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

Welcome to Southfield, Michigan - a town that epitomizes what it means to be the crossroads to the future!

Nestled amidst the urban sprawl of metropolitan Detroit lies Southfield, a city that seamlessly intertwines the echoes of Michigan's storied past with the vibrant pulse of modernity. As a pivotal business and cultural nexus, Southfield stands tall, mirroring both the resilience and innovation that characterizes this remarkable region of the United States.

Southfield's inception traces back to the early 19th century when settlements began to blossom in the area. Over the decades, it transitioned from a quiet farming community to a bustling hub of commerce and suburban living. Today, the city's skyline, punctuated by high-rise buildings and state-of-the-art infrastructure, tells a tale of progress and transformation.

One of Southfield's defining features is its dynamic business landscape. Often termed "The Center of It All," Southfield is home to over 10,000 businesses, including several Fortune 500 companies. The city's strategically designed Tel-Twelve Mall and the landmark Southfield Town Center are testimonies to its economic vitality and its role as a significant player in Michigan's commercial arena.

But Southfield isn't all business. The city boasts a rich tapestry of cultural and recreational endeavors. The Southfield Public Library, not just a repository of books, is a beacon of community engagement, offering programs and resources that cater to diverse interests. The Park and Garden at Southfield City Centre, with its serene landscapes and water features, serves as an urban oasis, offering respite from the city's bustling pace.

Art and culture aficionados will find a haven in the Park West Gallery, which houses an impressive collection of works, spanning from contemporary art to old masters. The annual Southfield Festival of Hope and the Southfield Jazz Festival are events that further underscore the city's commitment to celebrating its cultural diversity and fostering community ties.

Southfield's culinary scene is as diverse as its population. From soulful Southern dishes to global cuisines, the city's eateries reflect a melange of flavors and traditions, ensuring that every palate finds its delight.

One of the intriguing facets of Southfield's history is its role during the Jazz Age. The city played host to several renowned jazz musicians and venues, adding a rhythmic note to its historical timeline.

In essence, Southfield is more than just a city; it's a living, breathing entity that embodies the dreams and aspirations of its inhabitants. Its skyline may reach for the clouds, but its roots remain firmly grounded in a rich heritage and a sense of community. For those seeking a destination that offers both the thrill of the new and the comfort of the familiar, Southfield, Michigan awaits with open arms and endless possibilities.

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 Southfield, MI.

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

Weather Risks:

Southfield has a tornado index of 212.45, which is considerably higher than both the state of Michigan and the U.S. averages. This suggests that Southfield has a higher likelihood of experiencing tornado events. Additionally, the forecast indicates that strong to severe thunderstorms with the potential for damaging wind gusts, large hail, and isolated tornadoes are expected.


Implications on Mobile Home & RV Insurance:


Tornadoes and severe wind gusts pose significant threats to the structural integrity of mobile homes and RVs.

  • Insurance premiums in Southfield may be higher due to the elevated tornado risk.
  • Comprehensive coverage should ideally include protection against windstorm and tornado damage. Mobile home and RV owners should confirm this coverage and understand any related deductibles.
  • To qualify for coverage or potentially lower premiums, insurance companies may require mobile homes to be anchored securely, especially in high-risk tornado areas like Southfield.

Hail events have been frequently recorded, with 914 instances within 50 miles of Southfield from 1950 to 2010. Thunderstorm winds are even more frequent, with a record of 2,069 events in the same duration.


Implications on Mobile Home & RV Insurance:


Both hail and thunderstorm winds can cause substantial damage to mobile homes and RVs, from shattered windows and dents to more severe structural damages.

  • Hail and windstorm damages are typically covered under comprehensive mobile home and RV insurance. However, it’s vital to check for any limits or exclusions.
  • Due to the high frequency of these events, premiums might be slightly elevated in Southfield.

176 flood events were recorded within 50 miles of Southfield from 1950 to 2010. With heavy downpours expected from the upcoming severe weather, flooding is a plausible risk.


Implications on Mobile Home & RV Insurance:


Mobile homes and RVs can sustain significant damage in floods.

  • Most standard insurance policies don’t cover flood damage, requiring additional flood insurance.
  • Residing in or near flood zones can increase insurance premiums.
  • Taking precautions, such as elevation or flood barriers, can be beneficial in preventing or reducing damage.

Recommended Southfield Neighborhoods:

Property Crime Rates in Southfield, MI.

Southfield, Michigan, presents a unique crime profile, distinguishing itself from both state and national averages. Here's a breakdown of the crime dynamics in this city:

  • Southfield’s crime rate, at 25 incidents per 1,000 residents, is significantly higher than the national average across all American communities. However, it doesn’t rank among the highest crime rates.
  • A resident of Southfield has a 1 in 40 likelihood of falling victim to either a violent or property crime.
  • In the broader context of Michigan, Southfield’s crime picture is alarming. The city’s crime rate surpasses that of 90% of all other Michigan cities and towns, regardless of size.
  • When compared to other cities of similar population, Southfield’s crime rate is around average. This means that for its size, Southfield’s crime rate is neither exceptionally high nor low.

Violent Crime Insights:

Property Crime Insights:

Southfield's crime statistics paint a mixed picture. While the city's crime rate aligns with average figures for similarly sized cities, its violent crime rate and motor vehicle theft numbers stand out as areas of concern. Being informed is the first step in community awareness and action. It's essential to understand the context of these numbers and any initiatives in place to mitigate crime in Southfield.

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.

Potential Rate Increases:

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Group Discounts:

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

Age and Condition of the Home:

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

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.

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.

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 Southfield, 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

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 Southfield, MI

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

Maywood Estates (Age-Restricted 55+ Community)

Address: 20741 Tuck Road, Farmington Hills, MI 48336
Availability of Homes for Sale: 2 Homes for Sale
Pet Policy: 1 pet per household allowed Community Type: Age-Restricted (55+) Community
Additional Details: Sidewalks, Street Width: Wide, Street Type: Paved, Distance to water: 7.8 Miles, Distance to golf: 8 Miles, Distance to parks: 1 Mile

River's Edge (All-Ages Community)

Address: 38000 Le Chateau Blvd, Clinton Township, MI 48038
Office Hours: Mon-Fri: 9 AM-6 PM, Sat: 10 AM-5 PM
Community Features: Swimming Pool, Basketball Court, Fitness Center, and more.
About: River's Edge is an all-age manufactured home community nestled along the northern shore of the Clinton River in Clinton Township, Michigan. It offers various amenities and is conveniently located near major shopping centers and schools.

Jim Shaffer and Associates Realtors

Description: Jim Shaffer and Associates Realtors is a real estate company dedicated to serving communities in Oakland County, Michigan.
Services: They assist with buying, selling, and investing in real estate.
Awards: Ranked as the #1 real estate team in Oakland County with an average 5-star Google rating. Community Involvement: Actively involved in supporting local organizations and communities.
Contact: You can reach them at 248-834-3030.

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 Southfield, MI

When it comes to getting mobile home insurance in Southfield, 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: Southfield, like many urban areas, may have property crime concerns. This endorsement provides additional coverage for theft, vandalism, or damage to your mobile home or RV due to property crime.
  • Reasoning: Michigan experiences hailstorms. This coverage addresses damages to your mobile home or RV caused by hail, including dents and structural damage.
  • Reasoning: Southfield may be prone to severe weather events. This coverage offers protection against damages from high winds and tornadoes, which can be destructive to mobile homes and RVs.
  • Reasoning: While not typically covered in standard policies, Southfield residents may benefit from flood insurance due to heavy rainfall and the potential for flooding in certain areas. This endorsement covers flood-related damages to your property.
  • Reasoning: Although not a common occurrence, earthquakes can happen in Michigan. This coverage addresses damages to your mobile home caused by earthquakes.
  • Reasoning: In case your mobile home becomes temporarily uninhabitable due to a covered event, this endorsement covers extra living expenses, such as temporary housing costs.
  • 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 Southfield MI, don't hesitate to get a CoverTree quote now.

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