Any questions?
(877) 417-8733

Manage Payments
Get covered

Protect Your Manufactured Home in Wyandotte, MI.

Covertree’s Comprehensive Guide

Powered by

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.

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

Welcome to Wyandotte, Michigan - a charming city with a rich history, a close-knit community, and a picturesque waterfront location. Located in Wayne County, Wyandotte offers a small-town atmosphere while providing convenient access to urban amenities.

One of the highlights of Wyandotte is its scenic waterfront along the Detroit River. The city boasts beautiful parks and promenades that offer stunning views of the river and the skyline of Detroit. Bishop Park is a popular destination, featuring walking trails, picnic areas, and a marina where boating enthusiasts can launch their vessels. The riverfront also hosts various events throughout the year, including the Wyandotte Street Art Fair and summer concert series.

Wyandotte's downtown area is known for its historic charm and vibrant atmosphere. The city features a variety of shops, boutiques, restaurants, and cafes, making it a great place for shopping and dining. From antique stores to local eateries, there is always something new to discover in downtown Wyandotte.

Wyandotte is also a hub for arts and culture. The city is home to the Wyandotte Museum, which showcases the history and heritage of the area. The Downriver Council for the Arts hosts exhibits, performances, and workshops, providing opportunities for residents to engage with the artistic community.

The city's sense of community is evident through its numerous events and festivals. The Wyandotte Street Art Fair is one of the largest fine art fairs in Michigan, attracting artists from across the country. Other popular events include the Wyandotte Art Walk and the Pumpkin Festival, which brings the community together for fun-filled activities and celebrations.

Wyandotte is committed to providing quality education for its residents. The city is served by the Wyandotte Public Schools, which offer a range of educational programs and extracurricular activities for students. In addition, there are private and parochial schools in the area, providing options for families seeking alternative education.

The city also prioritizes healthcare services. Wyandotte is home to the Henry Ford Wyandotte Hospital, which provides comprehensive medical care to residents. The hospital is known for its specialized services and commitment to patient care.\ Overall, Wyandotte offers a unique blend of history, natural beauty, community spirit, and cultural attractions. Whether you're strolling along the riverfront, exploring downtown, attending community events, or enjoying the arts, Wyandotte provides a warm and welcoming environment for residents and visitors alike.

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 size and year of your mobile home
  • Upgrades made to your mobile home
  • The value of your personal property
  • Property crime rates in the area
  • Your chosen mobile home community or park
  • Weather events specific to the region
  • Whether or not you smoke

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:

  • Installing extra security measures to reduce the risk of burglary
  • Making home improvements, such as adding insulation to prevent pipes from freezing

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 Wyandotte, MI.

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

Weather Risks:

With a moderate risk from flooding, Wyandotte residents should be prepared for potential flood events.

Recommendations:

  • Understand if your home is in a flood-prone area.
  • Avoid driving during heavy downpours and do not attempt to drive through flooded roads.
  • Ensure home drainage systems are clear and effective.
  • Consider having an emergency kit prepared in case of severe flooding.

Though the risk from wildfires is minor, it’s still essential to be vigilant, especially during drier periods.

Recommendations:

  • Ensure that there are no flammable materials near homes or other structures.
  • Maintain a defensible space around the home by trimming trees and bushes.
  • Be cautious with outdoor fires, BBQs, or any other sources of open flames.

Robust thunderstorms may produce not only gusty winds but also damaging hail.

Recommendations:

  • Protect vehicles by parking them under a shelter or covering them during hail warnings.
  • Stay indoors during thunderstorms to avoid potential lightning risks.
  • If caught outside, avoid open fields and seek shelter immediately.

Wyandotte residents face a diverse range of environmental risks. Remaining informed through local news and weather updates, combined with proactive measures, will significantly reduce the potential impact of these risks. Always prioritize safety and take the necessary precautions to ensure the well-being of both individuals and property.

Recommended Wyandotte Neighborhoods:

  • Wyandotte West
  • Wyandotte North
  • Pulaski Park
  • City Center
  • Wyandotte Southwest
  • Wyandotte Northwest
  • Baumey Ave / 6th St
  • Wyandotte South
  • Wyandotte East

Property Crime Rates in Wyandotte, MI.

For those seeking an understanding of the crime landscape in Wyandotte, Michigan, the following summary provides a concise look at the safety metrics of the city:

  • Among the myriad of American communities, ranging from quaint towns to sprawling cities, Wyandotte’s crime metrics gravitate towards the higher spectrum, though it doesn’t rank amongst the most crime-infested ones. With a rate of 15 incidents per 1,000 residents, individuals in Wyandotte face a 1 in 66 likelihood of falling victim to crime, be it violent or property-related.
  • Viewing the crime rate within the confines of Michigan, Wyandotte doesn’t emerge in a favorable light. A majority, precisely 75%, of the state’s communities, irrespective of their size, showcase a lower crime rate.
  • Pitting Wyandotte against other cities with similar population metrics presents a different narrative. The city’s crime rate is roughly on par with the average rate for cities of its size across the nation. In essence, relative to its size, Wyandotte’s crime status is neither particularly alarming nor especially reassuring.

Violent Crime Insights:

  • Violent Crime Rate: A deeper delve into Wyandotte's violent crime rate reveals a concerning trend. The city's rate for violent crimes, which encompasses offenses such as armed robbery, aggravated assault, certain types of rape, and murder, surpasses that of the majority of U.S communities across all size categories. To distill this into tangible figures, residents face a 1 in 277 chance of encountering violent crime, translating to 4 incidents per 1,000 inhabitants.

Property Crime Insights:

  • Property Crime Rate: Moving onto property crimes, which cover motor vehicle theft, arson, larceny, and burglary, Wyandotte's rate is 11 per 1,000 residents. This metric situates Wyandotte as a locale where the risk of falling victim to property crime is higher than in the majority of American communities, irrespective of their size. Specifically, the odds of encountering such crimes in Wyandotte stand at 1 in 87.

Wyandotte, MI, exhibits a crime rate that surpasses the national average, with particular concern arising from its violent crime statistics. Nevertheless, when the city's demographics are factored into the equation, it exhibits an average crime rate, typical for cities of its size. As is the case with any urban area, individual and community vigilance, combined with proactive initiatives, can significantly enhance personal safety.

Additional Structures:

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Personal Liability Coverage:

Ensure that your insurance policy includes personal liability coverage. This protection can be essential in case someone gets injured on your property and holds you responsible for the injury. The coverage should have limits that align with your specific needs and potential risks.

Home Value:

The value of your home is an important factor in determining the type and amount of coverage you need. You should look for a policy that offers adequate coverage to protect your investment and covers the cost of any necessary repairs or replacement.

Manufactured Home Insurance Coverage:

CoverTree offers insurance coverage specifically designed for manufactured homes in Michigan. We understand the unique needs of manufactured homeowners and offer comprehensive coverage for their homes.

Claims Process and Customer Service:

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

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.

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 Wyandotte, 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.

Mobile Homes Program

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 Manufactured Housing Commission

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.

Coastal Property Insurance Pool

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.

Know Your Rights

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?

  • 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.

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 Wyandotte, MI

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

Tanglewood Village

Address: 25873 Manchester, Brownstown, MI 48134
Availability: 2 Homes for Sale, Vacant Sites Available
Pet Policies: Non-aggressive pets and non-exotic pets allowed
Description: Tanglewood Village is an all-ages manufactured home community in Brownstown, MI. It features a swimming pool, clubhouse, playground, sidewalks, and recreational facilities. The community was built in 2000 and consists of 248 sites. It is approximately 2 miles from water.

AJR Home Sales/Deerfield Estates

Dealer Address: 26211 Telegraph Rd., Flat Rock, MI 48134
Availability: 13 Homes for Sale
Description: AJR Home Sales/Deerfield Estates is a mobile home dealer located in Flat Rock, MI, offering manufactured homes for sale. They have a variety of homes available, and their sales hours are by appointment only.

Augusta Woods Manufactured Home Community

Dealer Address: 8330 North Brookston Drive, Willis, MI 48191 Availability: 12 Homes for Sale Description: Augusta Woods Manufactured Home Community is an award-winning community located between Detroit Metropolitan Airport and Ann Arbor. They offer large homes with 3 and 4 bedrooms, up to 2,300 square feet, many with built-in covered porches and the option for garages or carports. The community has a clubhouse, pool, and other amenities. They have over 20 model homes available for tours, and you can schedule an appointment to visit.

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 Wyandotte, MI

When it comes to getting mobile home insurance in Wyandotte, 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: Wyandotte is located along the Detroit River. This endorsement provides specialized flood insurance coverage for properties near the waterfront, addressing damages from river flooding.
  • Reasoning: If you own a boat or watercraft, this coverage offers liability protection for accidents or injuries that might occur while using these assets on the river.
  • Reasoning: Wyandotte has a historic district. This endorsement addresses the unique needs of historic property owners, offering coverage for the preservation and restoration of historic features.
  • Reasoning: If you have a deck or porch attached to your mobile home, this coverage addresses damages to these structures caused by covered events.
  • Reasoning: If you frequently use marinas along the Detroit River, this endorsement offers liability protection for accidents or injuries that might occur while using marina facilities.
  • Reasoning: RV windshields can be costly to replace. This coverage addresses damages to your RV’s windshield, including chips, cracks, or shattered glass.
  • 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 Wyandotte MI, don't hesitate to get a CoverTree quote now.

References:

Understand

Choose

Facts

Communities

CoverTree Favicon

(877) 417-8733

team@covertree.com

Facebook Twitter Instagram Linkedin
Click here

Services

Company

Click here
Michigan Chamber of Commerce Logo
BBB - Accredited Business
Green Business Bureau Logo
Manufactured Housing Institute Member logo

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

CoverTree Brand Logo

Any questions?
+1 (877) 417-8733

Enter your address for an instant quote.

Street Address

Based on your state, we can help you better on the phone

Call us at (877) 417-8733 or submit your information below

We don’t sell your data. By submitting your information, you are confirming that you have read our Privacy Policy and TCPA Disclosure .

A CoverTree team member will be in touch within an hour

We couldn’t locate your address...

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.

Please complete your address to get a quote