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 is the average cost of mobile home insurance in Michigan?
No free NAIC or Michigan DIFS table publishes a verified mobile/manufactured-home-only average premium for Michigan. For context only, Michigan homeowners (standard forms) averaged $993 a year in NAIC figures covering 2021 — that is not a mobile-home average. We price specialty forms from the unit, site, and coverage limits instead.
| Market | Avg. monthly (sample) |
|---|---|
| Michigan mobile-home premium average | Not published |
| Michigan homeowners context (NAIC 2021) | $993/yr |
| SOS manufactured home title fee | $90 |
| Carriers we shop (profile) | 7 |
Key takeaways
What Michigan homeowners should know
- HUD: manufactured homes are factory-built to the HUD Code on a permanent chassis and display a red certification label on each section (post–June 15, 1976).
- HUD Exchange FAQ: park models are not constructed according to the HUD Code and are not manufactured housing.
- Michigan SOS titles mobile homes with a Certificate of Manufactured Home Ownership ($90 original/transfer fee cited on SOS mobile-homes page). LARA licenses mobile home communities under the Mobile Home Commission Act.
Free rate check
Are you paying too much for mobile home insurance?
Michigan mobile home insurance by company
Profile home appointments that commonly appear on manufactured-home files include Foremost and American Modern, plus Liberty Mutual and Travelers. We do not invent carriers outside the appointment list.
| 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.
Enter your zip to get started
Michigan coverage by home type
Pre-1976 mobile homes were designed for permanent installation but predate the HUD Code. Post–June 15, 1976 manufactured homes must meet HUD standards. Modular homes follow state/local codes and often land on HO-3-shaped policies. Park models need specialty or RV-adjacent forms — ask before assuming HO-3.
| 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
Affixture and titling affect financing and how insurers view the risk. Michigan SOS publishes an Affidavit of Affixture process for mobile homes physically affixed to real property. Leased-pad communities must be licensed — check LARA’s licensee search rather than an unofficial park directory.
| 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
Higher deductibles usually lower premium. Confirm wind/hail or separate water terms if the community or lender requires them.
| 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
What is the average cost of mobile home insurance in Michigan?
A verified mobile/manufactured-home-only statewide average is not published in free NAIC tables. Standard Michigan homeowners averaged $993/yr (NAIC 2021) — use that only as HO context, then get a specialty quote for your unit.
What is the difference between a manufactured home and a park model?
HUD defines manufactured homes as HUD Code homes with a permanent chassis and red certification labels (post–June 15, 1976). HUD Exchange FAQ materials state park models are not constructed according to the HUD Code and are not manufactured housing.
Is a manufactured home the same as an HO-3 policy?
Usually no. Specialty manufactured/mobile home forms are written for HUD-code and many older mobile units. Modular or site-built dwellings on permanent foundations are more often written on standard homeowners forms (commonly an HO-3 shape). We confirm the form after we see the unit and title.
How are mobile homes titled in Michigan?
Michigan SOS titles them with a Certificate of Manufactured Home Ownership (or Certificate of Mobile Home Title). Original or transfer title fee is $90 per the SOS mobile-homes page; 6% use tax may apply on declared value.
How do I get a Michigan mobile home insurance quote?
Enter your ZIP to start. A licensed agent finishes the comparison after confirming year/make/serial or HUD label, site setup, and any community or lender requirements.
Who has the cheapest mobile home insurance in Michigan?
It depends on the file. Home age, HUD vs non-HUD construction, foundation, limits, and claims history all affect which appointed carrier is lowest for you. We shop side-by-side options.
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.