Mobile or manufactured homes have seen an increase in popularity in Michigan over the last few years. In fact, Michigan is no. 6 on the list of states with the largest number of new manufactured homes in 2023. [1] Just like insuring other valuable property, Michigan residents who own mobile homes need to have the right insurance coverage in place to make sure they are fully protected.
What companies offer mobile home insurance in Michigan?
Several insurance companies in Michigan offer mobile or manufactured homeowners insurance, including Foremost, American Modern, and Michigan Farm Bureau. Also, many of the largest insurance companies offer mobile home insurance as one of their coverage options, like Geico and Progressive.
There are some companies that only offer mobile home insurance, like Manufactured Housing Insurance Services. This may work for people whose only property is their mobile home, but this may not be the best choice for people who also need other types of insurance, like auto insurance, because they won’t be able to bundle their policies.
Mobile home insurance companies in Michigan
Here are some of the insurance companies offering mobile home insurance in Michigan in 2024:
American Modern
4.9
Why we chose it
American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with some Michigan homeowners.
Pros and cons
Pros
Insures older mobile homes — with no age restriction
High-deductible options up to $5,000
Water damage coverage included in your base policy
Cons
Maximum dwelling coverage is only $300,000
Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage
Foremost
4.2
Why we chose it
As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.
Pros and cons
Pros
Insures homes of any age, model, make, and value
Replacement cost coverage available for your home, other structures on your property, and your personal belongings
Trip coverage available when moving your mobile home
Cons
Deductible options aren’t disclosed on its website
Michigan Farm Bureau
3.5
Why we chose it
Michigan Farm Bureau offers a variety of coverages, including mobile home insurance, auto, condo, and health insurance, with an A rating with AM Best. They also have lots of discounts, including a bundling discount and a mature insured discount.
Pros and cons
Pros
Claims expenses are covered (up to $250 per day) for reasonable expenses
Offers additional coverages including replacement cost, package endorsements, and increased limits on debris removal and food spoilage
Offers mature insured discount to policyholders age 30 and older
Cons
Need to have a Michigan Farm Bureau membership to purchase insurance
How much is mobile home insurance in Michigan?
The average cost of homeowners insurance in the U.S. is $1,754 per year, but homeowners in Michigan pay about 19% less than the national average. Due to the higher risk of loss in extreme weather situations, mobile home insurance is often pricier than standard home insurance coverage.
But how much you ultimately pay for mobile home insurance in Michigan will vary based on a number of factors, including:
Where you live
Size of your manufactured home
Age of your mobile home
Your claims history
Your policy deductible amount
Mobile home insurance discounts in Michigan
Every insurance company has their own approach to discounts, but here are some of the most common discounts in Michigan for manufactured home insurance:
Mobile home park: If your home is located in an approved mobile home park.
Age of home: If you have a newer mobile home.
Wind-resistant features: If you have wind-resistant features, like storm windows, to help protect against tornadoes and other bad windstorms.
Bundled policies: If you bundle your mobile home insurance with another insurance policy with the same company.
No claims in past three years: If you’ve been claims-free for a specific number of years.
Association membership: If you’re a member of certain associations, like USAA, AFI, AARP, or other groups.
Paperless policy: If you sign up to receive your policy documents electronically.
Paid-in-full: If you pay your insurance premium annually instead of monthly or bimonthly.
Age of insured: If you’re age 50 or older or retired.
Is mobile home insurance required in Michigan?
No, mobile home insurance is not legally required in Michigan. But mobile home owners who have a mortgage are likely required by their lender to have mobile home insurance in place to protect their investment.
Additionally, because homes in mobile home parks are located so close together, damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined. This means some mobile home parks require residents to purchase mobile home insurance as a condition of living in the park.
What does mobile home insurance cover in Michigan?
A typical HO-7 mobile home insurance policy comes with six standard types of coverage:
Dwelling: Pays for damage to the physical structure of your mobile home, including things like walls, windows, and the roof.
Mobile home extensions: Covers additional buildings or structures, including porches, garages, and other separate structures.
Personal property: Provides coverage for your belongings, like furniture and electronics.
Additional living expenses: Covers costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.
Personal liability: Provides coverage if you are found liable for damage or injury to someone else; this coverage pays for those legal and medical expenses.
Medical payments: Pays for small-dollar medical expenses associated with a visitor being injured on your property.
Extra coverages to consider for your mobile home in Michigan
There are many other types of coverage you may want to purchase in addition to mobile home insurance, including:
Replacement cost coverage: Covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation.
Hobby farming: Provides property and liability coverage related to farming activities.
Trip collision: Covers your mobile home while it is in transit from one location to another.
Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.
Does mobile home insurance in Michigan cover flooding?
No, mobile home insurance does not include coverage for flooding. Mobile homeowners who want coverage for flood damage will need to purchase a separate flood policy.
Learn more >> Flood insurance in Michigan: What you need to know
Frequently asked questions
How much does it cost to insure a house in Michigan?
The average cost of homeowners insurance in Michigan is $1,422 per year, almost 19% lower than the national average of $1,754 per year.
Why is it harder to insure a manufactured home?
Mobile home insurance is designed to cover damage to your mobile home, personal property, and liability issues; the price of your mobile home insurance will likely be higher than a standard homeowners policy because mobile homes are less able to withstand damage from weather-related catastrophes like wind and hail.
Is homeowners insurance required in Michigan?
Homeowners insurance is not legally required in Michigan, but homeowners who have a mortgage are likely required to have homeowners insurance coverage by the terms of their loan. Also, having homeowners insurance can protect you financially in the event of a disaster, so you should consider buying home insurance whether or not it is required by law.
Why is mobile home insurance important?
Mobile home insurance protects your home and its contents if there is physical damage from covered perils like fire, vandalism, theft, and hail. Having robust mobile home insurance could be the difference between destitution and an ability to repair or replace your property after a disaster, so it is important to have a mobile home insurance policy.
