Mobile & Manufactured Home Insurance

Mobile or manufactured home insurance is similar to a regular home insurance policy. However, because of the way they are constructed, many standard homeowners policies have certain exclusions due to the increased risk for damage from storms, and higher risk of theft. For this same reason, mobile home coverage can often be pricey for your client. It's imperative to use the expertise of a company who is an expert in  providing comprehensive coverage to mobile home owners.

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What's Covered in a Mobile Home Policy?

Manufactured homes face higher risk of damage from storms, as well as an increased risk for theft and pipe damage. For this reason, mobile home insurance can often be more expensive then standard homeowners policies. Owners of mobile homes should consider the following types of coverage:

  • Structure and Contents: Similar to a standard policy, mobile homes have coverage for contents and the physical structure. Depending on the company, this could include attached structures like patios and driveways as well. Mobile homes are lighter and use different building materials, therefore they are more susceptible to damage from high winds from storms. While they are are not necessarily more flammable than materials used in standard homes, fires in mobile home parks can spread quickly due to their close proximity.
  • Liability: This coverage protects the homeowners from lawsuits that my arise from someone being injured on their property.