By Steve Vander Ploeg
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
What does mobile home insurance cover?
Vander Ploeg Insurance Agency shops 7 appointed carriers from its Kalamazoo office at 5985 W Main St Ste 825. Specialty manufactured/mobile home forms are not the same as a standard HO-3 used for many site-built or modular homes. No free NAIC table publishes a Michigan mobile-home-only average premium, so we quote the unit, foundation, and park rules instead of inventing a statewide mean.
| Market | Avg. monthly (sample) |
|---|---|
| Carriers we shop (profile) | 7 |
| Kalamazoo office | 5985 W Main St Ste 825 |
| Michigan mobile-home premium average | Not published |
| Michigan HO-3 context (NAIC homeowners) | $993/yr |
Key takeaways
What Michigan homeowners should know
- HUD manufactured homes (post–June 15, 1976) carry a red certification label and meet the federal HUD Code — formerly called mobile homes.
- Park models are not constructed to the HUD Code and are not manufactured housing under HUD Exchange FAQ guidance.
- Michigan SOS issues a Certificate of Manufactured Home Ownership; community parks are licensed through LARA — verify the community, do not rely on invented park lists.
Free rate check
Are you paying too much for mobile home insurance?
Michigan mobile home insurance by company
Foremost and American Modern appear on our appointment list for home lines and often write manufactured-home specialty forms; Liberty Mutual and Travelers are also appointed for home. Availability is file- and ZIP-dependent — we only list profile appointments.
| Company | Status (sample) |
|---|---|
| Foremost (profile appointment) · Home line | Quote |
| American Modern (profile appointment) · Home line | Quote |
| Liberty Mutual (profile appointment) · Home line | Quote |
| Travelers (profile appointment) · Home line | Quote |
| Other appointed home carriers · File-dependent | Ask |
Vander Ploeg data methodology
No free NAIC table isolates a Michigan manufactured/mobile home average premium. Planning rows use HUD definitions, Michigan SOS titling facts, LARA community licensing context, and profile appointments (including Foremost and American Modern). Factor tables are illustrative — not park-level quotes.
- HUD manufactured homes display a red certification label on each transportable section (post–June 15, 1976)
- Park models are not HUD Code manufactured housing per HUD Exchange FAQ materials
- Michigan SOS titles mobile/manufactured homes with a Certificate of Manufactured Home Ownership
- Sample deductible rows are educational layout only
- Your personalized quote may differ from any sample row
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
Compare locally
Shop around for the best rates
The only way to know which company fits your file is to compare. We help you shop options from carriers such as American Modern, Foremost, National General, Progressive, and others available for your ZIP in Michigan.
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Michigan coverage by home type
Match the form to the structure: HUD-code manufactured homes and older mobile homes usually need specialty manufactured/mobile forms. Modular homes built to local codes are often written on an HO-3-shaped homeowners policy. Park models need a different conversation — they are not HUD manufactured housing.
| Home type | Typical form idea |
|---|---|
| HUD manufactured home (post-6/15/1976) · HUD Code + red label | Specialty MH form |
| Pre-1976 mobile home · Not HUD Code | Specialty MH form |
| Modular / site-built on permanent foundation · Local building codes | Often HO-3 shape |
| Park model (not HUD Code) · Not manufactured housing | Ask specialty / RV form |
Michigan coverage by site setup
Owned land with an affixed unit, a leased pad in a licensed community, and seasonal setups underwrite differently. Lender and community rules can require insurance even when state law does not invent a single statewide mandate for every owner.
| Where it sits | Underwriting idea |
|---|---|
| Owned land + affixed unit · Title / lender driven | Confirm real-property path |
| Leased pad in licensed community · Verify community license | Park rules + MH form |
| Seasonal / relocatable setup · Ask before bind | Confirm form exclusions |
| Park model / RV-titled unit · Different underwriting | Not standard HO-3 |
Michigan mobile home insurance by deductible
Raising the deductible usually lowers premium when physical-damage coverage is on the form. Match it to what you can pay after a fire, wind, or water loss.
| Deductible | Premium direction (sample) |
|---|---|
| $500 deductible (sample) · Illustrative | Higher premium |
| $1,000 deductible (sample) · Illustrative | Mid premium |
| $2,500 deductible (sample) · Illustrative | Lower premium |
| $5,000 deductible (sample) · Illustrative | Lowest sample band |
Licensed Michigan agency
Compare carriers with a licensed Michigan agent
Prefer a person? Call (616) 300-5301
Frequently asked questions
How do I get a mobile home insurance quote?
Enter your ZIP to start. We ask about the home year, HUD label if present, foundation/affixture, and whether the unit sits on owned land or a leased pad, then a licensed agent shops appointed carriers.
Do you write mobile home insurance in Michigan?
Yes. We place manufactured and mobile home coverage through appointed home carriers for Michigan ZIP codes, including Kalamazoo County.
Can you compare more than one company?
Yes. As an independent agency we shop multiple appointed carriers on every file.
Will you call or email me after I start?
Only when you ask — or when an agent needs details to finish your quote. No spam. We never sell your data.
About Vander Ploeg
Vander Ploeg Insurance Agency, LLC is a licensed independent Michigan agency based in Kalamazoo. We are not a carrier. We shop appointed companies for manufactured and mobile home forms, explain how they differ from HO-3 and park-model coverage, and stay on the file after you bind. Educational content on these pages is reviewed by licensed agents and is separate from any carrier relationship.