Manufactured/Mobile Home Insurance

Mobile Homes, also commonly called, Manufactured Homes, are typically pre-constructed homes which are transported to a home site vis a trailer chassis.  

These homes can be located on leased or owned land, or inside a private mobile home park.

While they are similar in traditional homes, mobile homes share a common fact with automobiles when not attached to the land.  They are considered personal property and have a title versus a deed. 

If the manufactured home is permanently installed to the home site and classified as real property, it will have a deed. 

With a deed, the insurance can be built on a Home insurance policy versus a Mobile Homeowners insurance policy.  

There are three basic coverages for Mobile Home/Manufactured Homes:

1. Physical Structure:   Damage from perils such as fire, hail, theft or vandalism.  All policies are not created equal.  Some insurance policies may allow coverage on "named perils" which may have lower premiums, but less coverage.  
2. Contents:  Everything inside your home which belongs to you, the named insured.  
3. Liability:  Coverage which may help protect you if found responsible for damages to someone else's property or if someone were injured on your property. 

*Insurance for mobile/manufactured homes may offer Replacement Cost options, depending on the age of the home, or Actual Cash Value replacement. 

There may be some coverage limitations; talk with your insurance agent or give us a call to learn more.