Covertree’s Comprehensive Guide
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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: 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
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.
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.
Finding the Best Mobile Home Insurance in Southfield, 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.
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