Mobile home insurance in Michigan

Foremost, American Modern, and Michigan Farm Bureau are three of the most popular mobile home insurance companies in Michigan.

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Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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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.

Compare mobile home insurance rates in Michigan

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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

American Modern insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

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4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

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 conschevron icon

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

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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

Compare mobile home insurance rates in Michigan

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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.

Compare mobile home insurance rates in Michigan

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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 

Compare mobile home insurance rates in Michigan

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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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Construction Coverage

    . "

    U.S. States Investing The Most In Manufactured Housing (2023)

    ." Accessed December 19, 2023.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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