Mobile & Manufactured Home Insurance
A manufactured home is not covered by a standard homeowners policy. It needs a policy form written for how these homes are built, anchored, and valued.
- Policy forms written specifically for manufactured housing
- Coverage while the home is being transported or re-sited
- Replacement cost options rather than depreciated value
Request a mobile & manufactured home insurance quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a mobile & manufactured home insurance policy actually does
-
The home itself
Physical damage from fire, wind, hail, and other covered perils, using a form built for manufactured construction.
-
Attached structures
Carports, decks, skirting, and awnings, which are commonly the first things damaged in a wind event.
-
Personal property
Contents of the home, on the same replacement-cost or actual-cash-value basis you choose.
-
Personal liability
Injuries to others on your lot and damage you cause elsewhere.
-
Loss of use
Somewhere to live while the home is repaired or replaced after a covered loss.
-
Transit and set-up
Damage while the home is moved or re-sited, which standard forms do not contemplate at all.
-
Flood and earth movement
Excluded as standard, exactly as on a site-built homeowners policy.
-
Wear and deferred maintenance
Roof, seals, and skirting upkeep are the owner's responsibility.
Mobile & Manufactured Home Insurance questions
Why will a normal homeowners policy not work?
Construction, anchoring, and depreciation patterns differ enough that carriers use a separate policy form. Many will not write manufactured homes at all, which narrows the market considerably.
Does the age of the home matter?
Yes. Older homes and certain construction eras are harder to place, and some carriers apply age limits.
Is coverage different if I rent the lot?
The lot owner's policy does not cover your home. You still need your own, and the park may require proof of liability coverage.
Can I get replacement cost rather than actual cash value?
Often, and it is usually worth the difference. Actual cash value on an older manufactured home can settle for far less than replacing it costs.
Related coverage
-
Renters Insurance
Your landlord insures the building, not your belongings. Renters coverage handles your things, your liability, and somewhere to stay.
-
Homeowners Insurance
Structure, contents, liability, and loss of use, with the exclusions spelled out before you buy, not after you file.
-
Landlord Insurance
Renting out a property turns it into a business asset. Landlord coverage adds lost rental income and the liability a homeowners policy excludes.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.