Does AAA Insure Manufactured Homes? Exploring Your Coverage Options

If you’re looking to insure your manufactured home, you might be wondering whether AAA offers coverage for this type of property. The good news is that yes, AAA does insure manufactured homes! Whether you’re a full-time resident or using your manufactured home as a vacation property, AAA has options to keep you protected against unexpected events like fires, storms, and theft.

Manufactured homes, also known as mobile homes, require specialized insurance coverage since they differ from traditional homes. AAA understands this and offers policies tailored specifically to the needs of manufactured homes. With AAA’s insurance policies, you can rest assured that you’re covered for all types of damages that could happen to your home, regardless of whether you own the land it sits on or it’s part of a mobile home community.

AAA’s insurance plans also provide coverage for personal liability, which is especially important for manufactured homes since they’re often located in high-risk areas like flood zones and tornado alleys. With AAA, you can have peace of mind knowing that you’re protected against lawsuits in case of an accident on your property. Whether you’re a first-time buyer or looking to switch insurance providers, AAA’s manufactured home insurance policies are worth considering to ensure your investment is protected.

What are manufactured homes?

Manufactured homes, also known as mobile homes or trailers, are prefabricated dwellings that are built off-site and transported to their final destination. These homes are constructed in a factory using standard materials and are built according to the federal building code established by the Department of Housing and Urban Development (HUD) in 1976.

Manufactured homes are a cost-effective alternative to traditional site-built homes and are available in a wide range of sizes, designs, and styles, from single-wide to triple-wide units. They are designed to be easily transportable and can be placed on a foundation, leased land, or in a manufactured home community.

Overview of AAA Insurance

AAA, also known as the American Automobile Association, is a federation of motor clubs throughout North America. It is also a well-known provider of auto insurance coverage for its members. With over 60 million members across the United States and Canada, AAA has established a reputation for providing exceptional roadside assistance and insurance coverage that caters to the needs of its members.

  • Auto Insurance: AAA offers a range of auto insurance policies that includes liability coverage, collision coverage, uninsured/underinsured motorist coverage, personal injury protection, and comprehensive coverage. Members can choose from different levels of coverage and deductible options to best match their specific needs and budget.
  • Home and Condo Insurance: In addition to auto insurance, AAA also offers insurance policies for homes and condos. Policyholders can select from a range of coverage options, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses. AAA also offers flood and earthquake insurance policies, which are important considerations for homeowners in certain regions of the country.
  • Renters Insurance: For those who do not own a home or condo, AAA offers renters insurance policies that provide coverage for personal property, liability, and additional living expenses. AAA renters insurance policies can also be customized with optional coverage options to better match the individual needs of renters.

AAA insurance is also known for its exceptional customer service, which includes a high degree of personalization and flexibility in coverage options. AAA insurance offers a range of discounts to its members, including multi-policy discounts, safe driver discounts, and reduced rates for members who complete approved driving courses.

In conclusion, AAA is a trusted and reliable insurance provider that offers a range of insurance products to its members. Whether you own a home, rent, or need coverage for your vehicle, AAA insurance provides tailored products to fit your unique needs and budget.

Types of Insurance Offered by AAA

AAA is known for offering a wide variety of insurance options to its customers. From standard auto insurance to specialized policies for recreational vehicles and boats, AAA has insurance options to fit nearly every need. Here, we will take a closer look at the specific types of insurance that AAA offers.

Auto Insurance

  • Liability Insurance
  • Collision Insurance
  • Comprehensive Insurance

AAA’s auto insurance policies are designed to provide coverage for everyday drivers. Liability insurance covers damages that you may cause to others while driving. Collision insurance covers damages to your own vehicle caused by a collision with another car or object. Comprehensive insurance covers damages to your vehicle caused by natural disasters, theft, or vandalism.

Homeowners Insurance

Homeowners insurance is crucial for protecting your home and personal property. AAA offers homeowners insurance policies that protect against theft, fire, and other unexpected events that could damage your home. This insurance also covers your personal belongings, protects against liability claims, and pays for additional living expenses if your home becomes uninhabitable.

Other Property Insurance

AAA also offers insurance policies for other types of property, including:

  • Condo Insurance
  • Renters Insurance
  • Mobile Home Insurance
  • Flood Insurance
  • Identity Theft Protection

Specialized Insurance

AAA also provides specialized insurance policies for unique situations. These policies include:

Policy Type Description
Recreational Vehicle Insurance Covers RVs, boats, and other recreational vehicles
Mexican Auto Insurance Covers travelers while driving in Mexico
Pet Insurance Covers veterinary expenses for your pets

These specialized insurance policies offer coverage that is not typically found in standard insurance plans. They are designed to meet the unique needs of customers who may have non-traditional insurance requirements.

Overall, AAA has a wide range of insurance policies that can be tailored to fit the needs of nearly every individual or business. Whether you need standard auto insurance, specialized insurance for your recreational vehicles, or homeowners insurance, AAA has options that can provide the necessary coverage and protect against the unexpected.

Factors Affecting Manufactured Home Insurance Rates

Manufactured homes, just like traditional homes, require insurance to protect against losses from potential disasters such as fire, wind, and theft. The insurance rates for manufactured homes can vary significantly due to a variety of factors. Below are some of the primary factors that affect manufactured home insurance rates.

  • Location: Where your manufactured home is located can have a significant impact on your insurance rates. Homes in tropical areas or regions susceptible to wildfires, tornadoes, or hurricanes will generally have higher rates than those located in less vulnerable areas.
  • Age of Home: The age of your manufactured home is also a significant factor in determining insurance rates. Older homes are typically more vulnerable to damages, and therefore, require more repairs and maintenance. These additional risks often result in higher insurance premiums.
  • Value of Home: The value of your manufactured home is another important factor that is considered when determining your insurance rates. It is important to ensure that your coverage limits match the value of your home, so you have adequate protection if a disaster occurs. Not having enough coverage can lead to significant out-of-pocket expenses.

Manufactured homes that have features such as fireplaces, swimming pools, or hot tubs will typically have higher premiums. These features pose additional risks and can increase the likelihood of claims being filed. Insurance providers will often account for the risks associated with these features when determining your coverage rates.

In addition to the factors mentioned above, insurance companies will also evaluate the homeowner’s claims history, credit score, and the deductible amount you are willing to pay. A high deductible often results in lower premiums, but it also means you will pay more out-of-pocket expenses in the event of a claim.

Factors Affecting Manufactured Home Insurance Rates Description
Location Homes in areas prone to natural disasters or extreme climates have higher rates.
Age of Home Older homes often require more maintenance and are more vulnerable to damages.
Value of Home The value of the home impacts coverage limits and premiums.
Features of Home Additional features such as swimming pools or fireplaces pose additional risks and increase premiums.
Claims History Previous claims can increase premiums.
Credit Score A low credit score may mean higher rates.
Deductible Amount A high deductible can lower premiums but may result in larger out-of-pocket expenses for claims.

It is essential to shop around and compare multiple insurance providers to find the right policy for your manufactured home. Be sure to ask questions and understand what is covered under your policy and any additional coverage options that may be available. With the right coverage, you can have peace of mind knowing that you are protected against potential losses.

Coverage options for manufactured home insurance

When it comes to insuring your manufactured home, there are a variety of coverage options available to fit your unique needs and budget. Here are some of the most common coverage options:

  • Dwelling coverage: This covers the structure of your manufactured home, including any attached structures such as a porch or garage.
  • Personal property coverage: This covers your belongings inside the home, such as furniture, electronics, and clothing.
  • Liability coverage: This provides coverage if someone is injured on your property or if you cause damage to someone else’s property.
  • Guest medical coverage: This covers medical expenses for any visitors who are injured on your property, regardless of fault.
  • Additional living expenses: This covers the costs of temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.

It’s important to carefully evaluate your coverage needs and choose a policy that will provide adequate protection in the event of a loss.

In addition to these coverage options, there are also additional riders and endorsements that you can add to your policy to further extend your coverage. Some common options include:

  • Flood insurance: This provides coverage for losses due to flooding, which is not typically covered under a standard homeowners policy.
  • Earthquake insurance: This provides coverage for losses due to earthquakes, which is also typically not covered under a standard policy.
  • Jewelry and fine arts riders: This provides additional coverage for high-value items such as jewelry, art, and antiques.

It’s important to review your policy periodically and make sure that your coverage is still sufficient for your needs. If you make any significant changes or additions to your home or personal property, be sure to notify your insurance provider to ensure that your policy remains up to date.

Coverage options Description
Dwelling coverage Covers the structure of your home and any attached structures
Personal property coverage Covers your belongings inside the home
Liability coverage Provides coverage for injuries or damages you cause to others
Guest medical coverage Covers medical expenses for visitors injured on your property
Additional living expenses Covers temporary housing and living expenses if your home is uninhabitable

In conclusion, there are a variety of coverage options available for manufactured home insurance, and it’s important to choose a policy that adequately protects you and your home. Be sure to carefully review your coverage options and consider any additional riders or endorsements that may be appropriate for your needs.

Benefits of purchasing manufactured home insurance from AAA

AAA is a trusted name in the insurance industry, and they offer a wide range of insurance policies, including manufactured home insurance. Manufactured homes are a common choice for homeowners who want an affordable housing option that is also mobile. While many insurance providers do not offer coverage for manufactured homes, AAA does, and there are many benefits to purchasing manufactured home insurance from them.

  • Customized Coverage: AAA offers comprehensive coverage options that can be tailored to your specific needs. You can choose to insure your home and personal belongings, and they also offer liability coverage, which can help protect you in the event that someone is injured on your property.
  • Discounts: AAA offers discounts for policyholders who have multiple vehicles or insurance policies with them. You may also be eligible for discounts if you have safety features installed in your home or if you are a member of AAA.
  • Responsive Customer Service: AAA has a reputation for providing excellent customer service. If you need to file a claim or have any questions about your policy, you can easily reach their customer service team by phone or online.

Additionally, AAA offers a number of other benefits to their policyholders, which can help you get the most out of your insurance coverage. These benefits include:

  • Emergency Assistance: If you have an emergency, such as a fallen tree or a burst pipe, AAA is available 24/7 to provide assistance. They can help you find a contractor to make repairs, or they can dispatch emergency services if necessary.
  • Bundling Options: AAA offers a wide range of insurance policies, including auto and home insurance. If you have multiple insurance policies with them, you can often save money by bundling your coverage.
  • Competitive Rates: AAA offers competitive rates on their insurance policies. They understand that manufactured homes can be an affordable housing option, and they strive to provide coverage that is both comprehensive and affordable.

Finally, AAA also provides a variety of resources to help homeowners protect their homes and stay safe. They offer safety tips and advice on their website, as well as information on how to prepare for natural disasters or other emergencies.

Benefits of AAA Manufactured Home Insurance
Customized Coverage
Responsive Customer Service
Emergency Assistance
Bundling Options
Competitive Rates

Overall, AAA is a great option for those who are looking for manufactured home insurance. With customizable coverage options, competitive rates, and excellent customer service, policyholders can be confident that they are getting the best coverage possible.

Claim Process for AAA Manufactured Home Insurance

If you have a claim to file for your manufactured home insured by AAA, it’s important to know the claim process in order to help things run smoothly. Here’s a breakdown of what to expect:

  • Report the claim: The first step is to report the claim to AAA as soon as possible. You can do this online, by phone, or through the AAA mobile app. Be sure to provide as much information as possible, including the date, time, and location of the incident, a description of what happened, and any photos or videos you may have.
  • Assessing the damage: After the claim is reported, an adjuster will be assigned to assess the damage to your home. They will contact you to schedule a time to visit and will inspect the damage to determine the extent and cost of repairs needed. Depending on the severity of the damage, they may also recommend a contractor to complete the repairs.
  • Documentation: During the assessment process, it’s important to keep track of all documentation related to the claim. This includes any estimates, receipts, and invoices for repairs or replacements needed. It’s also important to take photos of the damage and keep a list of any damaged or missing items.

Once the assessment and documentation have been completed, the claim will move into the resolution process. The timeframe for this can vary depending on the severity of the damage and the complexity of the claim.

Here is a sample table of what you can expect during the resolution process:

Step Action
1 The adjuster will review your policy and any documentation provided to determine coverage and the amount of your deductible.
2 The amount of the claim will be determined and the adjuster will submit the claim to AAA for payment.
3 You will receive a settlement offer from AAA, which will outline the amount they are willing to pay for the claim. This may include any depreciation or deductibles.
4 If you agree to the amount, you will sign a release form and AAA will issue payment for the claim. If you do not agree, you can negotiate with AAA or hire an attorney to help you reach a resolution.

It’s important to note that every claim is unique, and the timeframe for resolution can vary depending on a variety of factors. However, by following the proper claim process and documentation procedures, you can help ensure that your claim is resolved as quickly and efficiently as possible.

Customer Reviews of AAA Manufactured Home Insurance

One of the most important aspects to consider when choosing an insurance provider is their customer reviews. Here are a few customer reviews of AAA’s Manufactured Home Insurance:

  • “We have had AAA insurance for our manufactured home for over five years and have had nothing but positive experiences with them. They have always been there for us when we needed them and have always had fair prices.” – Susan
  • “AAA’s customer service is exceptional. They were patient with me when I asked a lot of questions and explained everything in detail. I really appreciate the personalized service.” – Mark
  • “We had to make a claim due to some severe weather damage to our manufactured home. The claims process was easy and straightforward. AAA had us back to normal quickly.” – Janelle

These reviews demonstrate that AAA’s Manufactured Home Insurance has a record of excellent customer service and support, affordable pricing, and a hassle-free claims process.

However, it’s essential to note that these reviews are not a guarantee of your experience with AAA Manufactured Home Insurance. Every customer’s situation is unique, and results may vary. It’s always essential to do your research, carefully read the policy documents, and speak with AAA representatives to make an informed decision.

Final Thoughts

When it comes to insuring your manufactured home, choosing the right provider is crucial. AAA Manufactured Home Insurance offers the flexibility and coverage options you need, along with excellent customer service and support. Consider reading customer reviews and consulting with AAA representatives to see if their insurance policies are the right fit for your needs.

At the end of the day, the best insurance policy is one that provides you with peace of mind and protection, no matter what life throws your way.

Comparison of AAA Manufactured Home Insurance to Other Providers

Choosing the right insurance provider for your manufactured home can be overwhelming, but it’s important to do your research and choose a company that provides comprehensive coverage at a fair price. In this article, we’ll compare AAA manufactured home insurance to other providers on the market.

  • AAA vs Farmers Insurance: While Farmers Insurance offers manufactured home coverage, their policies may not be as comprehensive as AAA’s. AAA offers protection for your home’s physical structure, personal belongings, and liability coverage. They also offer additional coverage options, such as flood insurance, which may be important depending on where you live.
  • AAA vs State Farm: State Farm offers manufactured home coverage that is similar to AAA’s, but their premiums may be higher. However, State Farm does offer a unique “loss of use” coverage option, which provides financial assistance in the event that you need to temporarily relocate while your home is being repaired.
  • AAA vs Allstate Insurance: Allstate Insurance offers a wide range of coverage options for manufactured homes, but their premiums may be higher than AAA’s. However, they do offer discounts for bundling your home and auto insurance policies.

Ultimately, the right insurance provider for you will depend on your specific needs and budget. It’s important to compare the coverage levels, premiums, and additional options offered by each provider to make an informed decision.

Here’s a table to summarize the key differences between AAA and other popular insurance providers:

Insurance Provider Coverage Options Premiums Additional Options
AAA Physical structure, personal belongings, liability coverage, flood insurance Competitive pricing N/A
Farmers Insurance Physical structure, personal belongings, liability coverage Varies N/A
State Farm Physical structure, personal belongings, liability coverage, loss of use coverage Higher premiums N/A
Allstate Insurance Physical structure, personal belongings, liability coverage, additional coverage options Higher premiums Discounts for bundling policies

Ultimately, it’s up to you to decide which insurance provider is the best fit for your needs. Be sure to talk to each provider and ask questions about their coverage options, premiums, and any discounts that may be available.

Frequently asked questions about AAA manufactured home insurance

Manufactured homes have been increasing in popularity in recent years, providing an affordable housing solution for many Americans. However, they require specific insurance coverage due to their unique construction and mobility. To help you understand AAA manufactured home insurance, we have compiled the most frequently asked questions:

  • What is AAA Manufactured Home Insurance? AAA Manufactured Home Insurance provides coverage for mobile or manufactured homes, including protection for the dwelling, personal property, and liability. It also includes additional coverages such as loss of use, debris removal, and emergency repairs.
  • Does AAA insure all types of manufactured homes? Yes, AAA insures a variety of mobile and manufactured homes, including single-wide, multi-wide, and modular homes.
  • Is flood insurance included in AAA Manufactured Home Insurance? No, flood insurance is not included in the standard AAA Manufactured Home Insurance policy. However, AAA does offer flood insurance as a separate policy.
  • Can I get discounts on my AAA Manufactured Home Insurance policy? Yes, AAA offers a variety of discounts, including multi-policy, protective device, and claims-free discounts.
  • What is the claim process for AAA Manufactured Home Insurance? If you need to file a claim, you can do so online, by phone, or in person at a AAA branch location. AAA will assign a claims adjuster to your case and guide you through the entire process.
  • Does AAA cover personal belongings inside my manufactured home? Yes, AAA Manufactured Home Insurance includes coverage for personal belongings, including furniture, clothing, and appliances. However, certain items such as jewelry and collectibles may have limited coverage and may require additional coverage.
  • What is the liability coverage included in AAA Manufactured Home Insurance? The liability coverage included in AAA Manufactured Home Insurance provides protection if someone is injured on your property or if you cause damage to someone else’s property. It can also cover legal fees and court costs if you are sued.
  • Can I make changes to my AAA Manufactured Home Insurance policy? Yes, you can make changes to your policy at any time, including adding or removing coverages, changing deductibles, and updating your contact information. You can do so online, by phone, or in person at a AAA branch location.
  • What is the cancellation policy for AAA Manufactured Home Insurance? If you need to cancel your AAA Manufactured Home Insurance policy, you can do so at any time. However, you may be subject to cancellation fees or penalties depending on your policy.
  • How can I get a quote for AAA Manufactured Home Insurance? You can get a quote for AAA Manufactured Home Insurance online, by phone, or in person at a AAA branch location.


AAA Manufactured Home Insurance provides comprehensive coverage for mobile and manufactured homes, including protection for the dwelling, personal property, and liability. It also includes additional coverages such as loss of use, debris removal, and emergency repairs. By understanding the frequently asked questions about AAA Manufactured Home Insurance, you can make an informed decision about your insurance coverage needs.

Does AAA insure manufactured homes?

Q: What is a manufactured home?
A: A manufactured home is a type of prefabricated housing that is built off-site in a factory and then transported to its final location.

Q: Does AAA offer insurance for manufactured homes?
A: Yes, AAA offers insurance for manufactured homes. This coverage can help protect you from various types of damages, theft, and liability.

Q: What types of manufactured homes does AAA insure?
A: AAA offers coverage for various types of manufactured homes, including single-wide, double-wide, modular, and more.

Q: What does AAA’s manufactured home insurance cover?
A: AAA’s manufactured home insurance typically covers damages caused by fire, lightning, wind, hail, and other natural disasters. It can also provide liability coverage if someone is injured on your property.

Q: Can I bundle my manufactured home insurance with other AAA policies?
A: Yes, AAA offers discounts to customers who bundle their manufactured home insurance with other types of coverage, such as auto or umbrella insurance.

Q: How much does manufactured home insurance with AAA cost?
A: The cost of manufactured home insurance with AAA varies depending on factors like the value of your home, its location, and the coverage you select.

Q: How can I get a quote for AAA’s manufactured home insurance?
A: You can get a quote for manufactured home insurance from AAA by visiting their website or contacting your local agent.

Thank You for Considering AAA’s Manufactured Home Insurance

We hope that these FAQs have been helpful and informative as you consider buying insurance for your manufactured home. AAA offers comprehensive coverage, great discounts, and exceptional customer service. Don’t hesitate to contact us to learn more about our offerings and how we can help protect your home and property. Thank you for considering AAA as your insurance provider. We look forward to serving you and your family in the future.