Does American Home Shield Cover Manufactured Homes? What You Need to Know

If you’re one of the millions of Americans who owns a manufactured home, you may be wondering whether American Home Shield covers these types of properties. The good news is that, yes, they do! As one of the largest home warranty providers in the country, American Home Shield offers coverage for a wide variety of home types, including manufactured homes.

Manufactured homes have become an increasingly popular choice for homeowners in recent years due to their affordability and convenience. However, like any home, they are susceptible to a range of issues, from plumbing and electrical problems to HVAC malfunctions and more. That’s where American Home Shield can help. With their comprehensive coverage plans and experienced network of contractors, they can help ensure that your manufactured home remains in top condition year-round.

So, if you’re a manufactured homeowner looking for peace of mind and protection against unexpected repairs, look no further than American Home Shield. With their unbeatable coverage and commitment to customer satisfaction, you can rest easy knowing that your home is in good hands.

What is American Home Shield and how does it work?

American Home Shield (AHS) is a home warranty company that offers coverage for unexpected repairs and replacements for major home systems and appliances. Their plans cover items such as HVAC systems, electrical systems, plumbing, refrigerators, ovens, and more. The company has been in business for over 50 years and has a vast network of contractors, making it easy for customers to receive prompt repairs and replacements.

When a homeowner experiences an issue with a covered item in their home, they can submit a claim to AHS. A technician will then be dispatched to evaluate the issue and determine the best course of action. If the item is repairable, the technician will fix it. If it’s beyond repair, AHS will replace it.

AHS offers different plans to fit the specific needs of each homeowner. Their plans range from basic coverage of select appliances to comprehensive coverage of major home systems. Pricing for plans depends on the type of coverage and the level of the deductible chosen by the homeowner.

What is a manufactured home?

A manufactured home, commonly known as a mobile home, is a factory-built home that is constructed off-site and transported to its final location. These homes are built to meet federal code requirements overseen by the U.S. Department of Housing and Urban Development (HUD), which regulates the design, construction, strength, durability, transportability, fire resistance, and energy efficiency of these homes. Manufactured homes are available in various sizes, styles, and designs and are typically less expensive than site-built homes.

Features of Manufactured Homes

  • They are built on steel chassis with wheels or without wheels and can be moved from one location to another.
  • They are designed to be transported on the nation’s highways and thus comply with transportation safety standards.
  • Manufactured homes are constructed in factories under controlled conditions, which ensures consistent quality and adherence to code requirements.

Advantages of Manufactured Homes

Manufactured homes offer several advantages over traditional site-built homes, including:

  • Cost-effectiveness: Manufactured homes are generally less expensive than site-built homes.
  • Flexibility: Manufactured homes offer flexibility in terms of design and layout, with various floor plans and customization options available.
  • Quick installation: Since manufactured homes are built off-site, installation is relatively fast, and homeowners can move into their new homes quickly.
  • Energy Efficiency: Many manufactured homes are equipped with energy-saving features such as insulation, high-efficiency heating and cooling systems, and energy-efficient windows and doors.

Does American Home Shield Cover Manufactured Homes?

Yes, American Home Shield (AHS) offers coverage for many types of manufactured homes. AHS provides coverage for many of the major systems and appliances in a home, including heating and cooling systems, plumbing, electrical, and kitchen appliances. However, coverage may vary depending on the type of policy and warranty chosen.

System or ApplianceCoverage Availability
Heating SystemCovered
Cooling SystemCovered
Plumbing SystemCovered
Electrical SystemCovered
Kitchen AppliancesCovered

It is recommended that homeowners check the specific coverage available in their policy and discuss any questions with an AHS representative.

What types of coverage does American Home Shield offer?

American Home Shield provides warranty coverage for several types of homes, including site-built homes, condos, townhomes, and yes, even manufactured homes. For manufactured homes, the company offers specific coverage options to accommodate for features and issues more common in these types of homes.

Coverage options for manufactured homes

  • Heating and cooling systems: Like with regular site-built homes, American Home Shield offers coverage for common HVAC systems in manufactured homes. This includes coverage for ductwork, thermostats, and air conditioning units.
  • Plumbing: Water heaters, faucets, toilets, and other plumbing systems are often unique in manufactured homes and require specialized coverage. American Home Shield offers coverage for these systems through its warranty plans.
  • Electrical systems: Wiring, circuit breakers, and outlets may need specific coverage in manufactured homes. American Home Shield ensures that all of these features are included in its warranty plans.

Additional coverage options

In addition to the specialized manufactured home coverage, American Home Shield offers coverage for other common home features across all types of homes. This includes:

  • Appliances: Kitchen appliances, such as refrigerators and ovens, and laundry appliances, such as washers and dryers, are covered under American Home Shield’s warranty plans.
  • Garage door openers: The company’s coverage includes garage door opener repair or replacement.
  • Roof leaks: Leaks caused by normal wear and tear are included in American Home Shield’s coverage.

Understanding the warranty plans

The coverage options discussed above are available through American Home Shield’s warranty plans. The company offers several different plans at varying levels of coverage. Customers can choose the plan that best fits their needs and budget. The plans cover typical repairs and replacements for the home’s covered systems and appliances. If something breaks down, all the homeowner needs to do is file a claim, and American Home Shield will send a qualified contractor to assess and fix the problem.

Coverage AreaSystemsAppliances
Combo PlanElectrical, plumbing, heating, and cooling systems, water heaters, garbage disposals, central vacuumsRefrigerators, ovens, cooktops, dishwashers, built-in microwaves, washers, dryers
Systems PlanElectrical, plumbing, heating, and cooling systems, water heaters, garbage disposals, central vacuumsN/A
Appliances PlanN/ARefrigerators, ovens, cooktops, dishwashers, built-in microwaves, washers, dryers

It’s essential to understand the specifics of your coverage plan, including deductibles, service call fees, and exclusions. By doing so, you can avoid unexpected out-of-pocket expenses and ensure that your home has the necessary protection in case of a breakdown.

Are manufactured homes typically covered by home warranty companies?

Manufactured homes, also known as mobile homes, are unique properties that require specialized insurance coverage and warranties. Homeowners of manufactured homes often wonder if their properties are eligible for coverage under home warranty companies. In this article, we will dive into the topic of whether home warranty companies offer coverage for manufactured homes.

  • According to American Home Shield, coverage for manufactured homes is available under their home warranty plans, provided that the homes meet certain requirements and are on a permanent foundation.
  • Other home warranty companies, such as Choice Home Warranty and First American Home Warranty, also offer coverage for manufactured homes. However, the eligibility requirements may differ between companies.
  • It is important to note that not all components of a manufactured home may be covered under a home warranty plan. Certain items, such as the mobile home itself or certain structural components, may require specialized insurance coverage.

Manufactured homes are unique in their construction and requirements for coverage. When considering a home warranty plan, it is important to carefully review the terms and conditions of coverage to ensure that your manufactured home and its components are eligible for coverage.

For a better understanding of what a home warranty plan covers for manufactured homes, here’s an example of coverage offered by American Home Shield:

ItemCovered?
Plumbing SystemYes
Electrical SystemYes
Kitchen AppliancesYes
Heating and Cooling SystemsYes
Main RoofYes
Garage Door OpenerYes
Mobile Home ItselfNo
Structural ComponentsNo

It’s essential to read the fine print, speak with customer service, and ask all the questions you need to ensure you’re getting the right coverage for your unique living arrangement.

Does American Home Shield have any specific policies regarding manufactured homes?

As a homeowner, deciding on a home warranty provider can get tricky, especially if you own a manufactured home. It’s important to choose a provider that offers the coverage you need. Here, we will dive into American Home Shield’s policies regarding manufactured homes.

  • American Home Shield does cover manufactured homes.
  • It’s important to note that each contract is unique and what is covered will depend on the contract signed.
  • If you own a manufactured home, it’s recommended that you call American Home Shield directly to ensure that your specific home is eligible for coverage.

American Home Shield’s policies regarding manufactured homes are consistent with their policies for traditional homes. They provide coverage for major systems and appliances, as well as optional add-ons for additional coverage. The optional add-ons will depend on the policyholder’s specific needs and the age of the manufactured home.

It’s important to note that American Home Shield does not cover pre-existing conditions and damages caused by natural disasters. It’s also recommended that policyholders thoroughly review their contract to ensure they understand the terms and conditions agreed upon.

CoverageManufactured Homes
Heating System
Cooling System
Plumbing System
Electrical System
Refrigerator
Dishwasher

In conclusion, American Home Shield does offer coverage for manufactured homes. However, it’s important to note that each contract is unique and the coverage provided will depend on the contract agreed upon by the policyholder and American Home Shield. It’s recommended that policyholders thoroughly review their contract to ensure they understand the terms and conditions.

Are there any restrictions or limitations for coverage of manufactured homes?

Manufactured homes, also known as mobile homes, have become a popular choice in the United States due to their affordability and convenience. However, before purchasing a manufactured home, it is important to understand the restrictions and limitations for coverage with American Home Shield.

  • Age Restrictions: American Home Shield may not cover manufactured homes that are older than a certain year. In general, homes that were built before 1976 might not be covered by the company.
  • Location Limitations: Coverage for manufactured homes may vary depending on the area where the home is located. Some areas may not be covered due to environmental risks such as floods or earthquakes.
  • Ownership Limitations: Manufactured homes that are not owned by the policy holder may not be eligible for coverage under American Home Shield.

In addition to these restrictions, it is important to note that certain components of a manufactured home may not be covered under American Home Shield’s standard plan. These components may include:

  • Attached appliances such as air conditioning units, pumps, and heaters
  • Solar heating or geothermal units
  • Well pumps, septic systems, and water storage tanks
  • Central vacuum systems

However, these components may be covered under American Home Shield’s optional coverage plans. It is important to review the policy and understand the coverage details before making a decision to purchase.

Restrictions and LimitationsDetails
Age RestrictionsAmerican Home Shield may not cover manufactured homes that are older than a certain year. In general, homes that were built before 1976 might not be covered by the company.
Location LimitationsCoverage for manufactured homes may vary depending on the area where the home is located. Some areas may not be covered due to environmental risks such as floods or earthquakes.
Ownership LimitationsManufactured homes that are not owned by the policy holder may not be eligible for coverage under American Home Shield.
Non-Covered ComponentsAttached appliances such as air conditioning units, pumps, and heaters; Solar heating or geothermal units; Well pumps, septic systems, and water storage tanks; Central vacuum systems.

In conclusion, American Home Shield does offer coverage for manufactured homes, but there are restrictions and limitations that must be taken into consideration. It is important to read the policy carefully and understand the coverage details before making a purchase. If you have any questions or concerns, it is recommended to contact American Home Shield for further information.

How does the cost of coverage for manufactured homes compare to traditional homes?

One of the biggest concerns when it comes to purchasing a manufactured home is the cost of coverage. Many people wonder whether it’s more expensive to insure a manufactured home as opposed to a traditional stick-built home. The answer isn’t straightforward, as there are several factors that affect insurance rates for both types of homes.

  • The cost of the home: The value of your home will be one of the primary factors that impact your insurance rates. Typically, manufactured homes are less expensive than traditional homes, which can impact the cost of coverage. That being said, if you have a custom-built manufactured home with all the bells and whistles, your insurance rates could be comparable to a traditional home.
  • The location of the home: Where your home is located will also play a role in determining insurance rates. If you’re in an area that’s prone to natural disasters like hurricanes or flooding, your rates could be higher regardless of the type of home you have.
  • The age of the home: Older homes tend to have higher insurance rates as they may pose a greater risk for certain issues like electrical problems or structural damage. If you have an older manufactured home, your rates could be higher than a newer traditional home.

So how does all of this information translate into actual numbers? According to a study by the National Association of Insurance Commissioners (NAIC), the average annual premium for a manufactured home in the US is $1,000. In comparison, the average annual premium for a traditional home is $1,200. While this seems like a significant difference, it’s important to remember that these are just averages and your rates could be higher or lower depending on the factors mentioned above.

It’s also worth noting that you may be able to find lower insurance rates for a manufactured home by shopping around and comparing policies from different providers. Additionally, many manufactured home communities have group insurance policies that can provide more affordable coverage for residents.

Type of HomeAverage Annual Premium
Manufactured Home$1,000
Traditional Home$1,200

In conclusion, the cost of coverage for manufactured homes and traditional homes can vary depending on several factors. While the average annual premium for a manufactured home is lower than a traditional home, your rates could be higher depending on your specific circumstances. By understanding the factors that impact insurance rates and comparison shopping, you may be able to find affordable coverage that meets your needs.

What are some common issues that may arise with manufactured homes that could be covered by American Home Shield?

If you own a manufactured home, it’s essential to be aware of the potential issues that can occur and be ready to address them when they arise. Fortunately, American Home Shield provides coverage for many issues that can affect manufactured homes. Here are some of the most common issues:

  • Plumbing problems: Leaky pipes, clogged drains, and other plumbing issues can be a headache for any homeowner, but they can be particularly problematic in manufactured homes. AHS can cover the cost of repairs to your plumbing system if it is malfunctioning.
  • Heating and cooling issues: Maintaining a comfortable temperature in your manufactured home can be challenging, especially if you have an older unit. American Home Shield can cover the repair or replacement costs of your HVAC system if it fails to work properly.
  • Electrical problems: Electrical problems are not only frustrating but can be dangerous to you and your family. AHS can cover the cost of repairs or even a replacement of your home’s electrical systems, including wiring and circuit breakers.

In addition to these issues, AHS also covers problems related to appliances, such as refrigerators, washers, and dryers. Now, let’s take a closer look at one of the most common issues that can affect manufactured homes:

Common issues with roofs in manufactured homes

One of the most important aspects of any home is the roof. In manufactured homes, roofs can sometimes be problematic due to the way they are constructed. Many manufactured homes have a flat or nearly flat roof, which can lead to issues with water pooling and leaks. Additionally, the materials used to construct these roofs can be more susceptible to damage from natural disasters, such as high winds or hail. Finally, insufficient ventilation can cause moisture buildup beneath the roofing materials, leading to rot or mold.

Roofing ProblemSolution
LeaksAHS can cover the repair or replacement of your roof if it is leaking or otherwise causing water damage to your home.
Damage from natural disastersAHS can cover the repair or replacement of your roof if it is damaged by a natural disaster such as wind or hail.
Mold or rot due to moisture buildupAHS can cover the cost of repairing any damage caused by moisture buildup beneath your roof.

Overall, it’s essential to be prepared for any issues that may arise with your manufactured home, and American Home Shield can provide peace of mind by covering the cost of repairs or even replacement of key systems, including roofing. With AHS, you can rest assured that your investment is protected.

What is the process for filing a claim on a manufactured home with American Home Shield?

As a manufactured home owner, you want to ensure you protect your investment and make necessary repairs as soon as possible. American Home Shield gives you the ability to file a claim for your manufactured home with ease, ensuring that you receive the coverage and repairs you need quickly.

  • Step 1: Contact American Home Shield – When you discover an issue with your manufactured home, contact American Home Shield by phone or online to file a claim. You will need to provide information about the issue, including what happened and when you noticed it.
  • Step 2: Payment for Service call – Once American Home Shield receives your claim, they will send a qualified service contractor to your home. You will need to pay for the initial service call fee, but any issues will be covered as outlined in your contract.
  • Step 3: Contractor Diagnosis – The service contractor will diagnose the problem and provide American Home Shield with details. If necessary, the contractor will also outline the recommended repairs and provide an estimate for the cost of the repairs.
  • Step 4: Approval of the Repair – Once American Home Shield receives details from the contractor, they will approve the necessary repair. If the repair is covered by your contract, you will not have to worry about additional costs beyond the initial service call fee.
  • Step 5: Completion of the Repair – The contractor will complete the repair and ensure it meets all necessary codes and requirements. Once complete, you can sign off on the repair and return your home to its original condition.
  • Step 6: Follow-Up – American Home Shield will follow-up to ensure you are satisfied with the repair and the service provided by the contractor.

As you can see, filing a claim on your manufactured home with American Home Shield is a straightforward process that ensures you receive coverage and access to qualified contractors who can complete necessary repairs.

What are some customer reviews or experiences with American Home Shield’s coverage of manufactured homes?

When it comes to home warranty providers like American Home Shield (AHS), it is common for homeowners to wonder if their coverage will extend to manufactured homes. To help answer this question, we scoured customer reviews and experiences to see what people are saying about AHS’s coverage of manufactured homes.

  • Many customers have reported positive experiences with AHS’s coverage of manufactured homes. For example, one customer noted that AHS covered the replacement of her manufactured home’s heating and air conditioning system, which saved her thousands of dollars in repair costs.
  • Another customer shared that AHS covered the repair of her manufactured home’s plumbing system, and that the AHS contractor who performed the repair was prompt, professional, and knowledgeable. She also noted that the AHS customer service team was helpful in answering her questions.
  • However, there are also some negative reviews of AHS’s coverage of manufactured homes. One customer complained that AHS would not cover the replacement of her manufactured home’s roof, even though the roof was leaking and causing damage to the interior of the home.

Based on the customer reviews and experiences we found, it seems that AHS’s coverage of manufactured homes can be hit or miss. While some customers have had positive experiences with AHS covering major repairs and replacements, others have been disappointed with the coverage limitations.

It’s important to note that coverage for manufactured homes can vary by state and plan type, so it’s always a good idea to read your contract carefully and ask your AHS representative any questions you may have about coverage for your specific home.

ProsCons
Positive reviews of coverage for major repairs and replacementsNegative reviews of coverage limitations
Responsive and knowledgeable contractorsCoverage may vary by state and plan type
Helpful customer service team

In conclusion, AHS’s coverage of manufactured homes can be a helpful resource for homeowners in need of major repairs and replacements. However, it’s important to carefully review your contract and understand the coverage limitations before signing up for an AHS plan.

Does American Home Shield Cover Manufactured Homes FAQs

Q: Does American Home Shield cover manufactured homes?
A: Yes, American Home Shield does cover manufactured homes.

Q: What parts of the manufactured home does American Home Shield cover?
A: American Home Shield covers the same appliances and systems as they would for a traditional home.

Q: How does the claims process work for manufactured homes?
A: The claims process for a manufactured home is the same as a traditional home. You submit a claim and American Home Shield assigns a contractor to complete the repair.

Q: What is the cost difference between a traditional home and a manufactured home plan?
A: The cost difference between the plans is based on the same criteria as a traditional home, such as size and location.

Q: Can I customize my plan for my manufactured home?
A: Yes, American Home Shield offers the ability to customize your plan based on your specific needs.

Q: Are there any restrictions or exclusions for manufactured homes?
A: Some restrictions or exclusions may apply, such as coverage for add-on units or exterior structures. Be sure to review your contract for specific details.

Q: Is there a waiting period for coverage on a manufactured home plan?
A: Yes, there is usually a 30-day waiting period before coverage begins, however, you can request to have the waiting period waived in some cases.

Closing Thoughts on Does American Home Shield Cover Manufactured Homes

We hope this article has answered some of your questions regarding whether American Home Shield covers manufactured homes. As you now know, they do cover these types of homes for the same appliances and system protection as a traditional home. Remember to review your contract for specific details on coverage and the claims process. Thanks for reading and be sure to visit again soon for more home protection tips and news.