Does Amica Insure Manufactured Homes? Get the Answers You Need

Have you ever heard of manufactured homes? If you have, you might be questioning if you can get a decent insurance policy for it. Luckily, Amica can deliver on that! Does Amica insure manufactured homes, you ask? The answer is a resounding yes! The renowned insurance company has been in the game for over a century, ensuring their customers have the best policies and coverage for their properties. In fact, they even have customizable coverages that cater to your unique needs.

Now, I understand that some of you might be skeptical about getting insured for a manufactured home. You might think that since they are built differently, the insurance premiums might be ludicrously high. But surprise! That’s not the case with Amica. With their vast knowledge and experience in the insurance industry, they offer competitive premiums for those who own manufactured homes, ensuring their properties are adequately covered at an affordable rate. No hidden fees or sneaky tactics – just solid coverage that you can trust.

And here’s the best part – Amica doesn’t just stop at protecting your standard manufactured home; they also offer coverage extensions for your personal belongings and even umbrella liability policies for additional protection against lawsuits. With their extensive list of policies catered specifically for your unique requirements, you get to enjoy peace of mind knowing that your manufactured home and everything in and around it is in good hands. There’s no doubt about it – when it comes to manufactured home insurance, Amica is the top choice for homeowners.

Overview of Amica Insurance

Amica Insurance is a mutual insurance company that has been in business for more than 100 years, offering a wide range of insurance solutions for homes, vehicles, businesses, and more. It is one of the oldest mutual auto insurance companies in the United States and prides itself on being customer-centric and offering personalized services.

  • Amica was founded in 1907 and is headquartered in Lincoln, Rhode Island.
  • The company has consistently earned high ratings from independent rating agencies such as A.M Best and J.D. Power.
  • Amica has been recognized for its exceptional customer service and is frequently featured in national publications and news outlets.

The company’s philosophy is based on providing customers with a peace of mind through its comprehensive insurance offerings. With its strict underwriting policies, the company manages to keep its losses low, thereby offering competitive rates to its customers.

Amica also has a unique dividend policy that sets it apart from other insurance companies, where it pays dividends to its policyholders, sharing its profits with them. The company believes that its financial stability, coupled with its ability to pay dividends, showcases its commitment to customers and its policy to help them achieve a more secure financial future.

Overall, Amica Insurance stands out among its peers for its customer-centric approach and high standards of service.

Definition of a Manufactured Home

A manufactured home, also known as a mobile home or house trailer, is a type of prefabricated home that is built entirely in a factory and transported to its final location. Manufactured homes can come in a wide variety of sizes and styles, ranging from a small one-bedroom model to a large four-bedroom home.

  • The construction of a manufactured home typically involves building the home on a steel frame with wheels.
  • Once constructed, the home is transported to its final location using a specialized trailer.
  • After the home is set up on its foundation and connected to utilities, it is considered a permanent structure.

While manufactured homes are often associated with trailer parks, many are located on private land and can look very similar to traditional stick-built homes. In fact, modern manufactured homes often have features such as vaulted ceilings, spacious kitchens, and even fireplaces.

Despite their growing popularity, there are still some misconceptions about manufactured homes. For example, some people assume that they are of lower quality or less safe than traditional homes. However, modern manufacturing techniques and strict building codes have greatly improved the safety and quality of manufactured homes in recent years.

Pros Cons
– Affordable – May not appreciate in value as quickly as traditional homes
– Quicker construction time – Limited customization options
– Energy-efficient – Can sometimes be difficult to obtain financing

In summary, a manufactured home is a type of prefabricated home that is built in a factory and transported to its final location. Despite some misconceptions, manufactured homes can be a safe, high-quality, and affordable housing option for many people.

Insurance Options for Manufactured Homes

Manufactured homes, also known as mobile homes, require insurance just like any other home. As a manufactured homeowner, you want to make sure that you are receiving the coverage that not only protects your home but also protects your investment. Amica is an insurance company that offers coverage for manufactured homes, but what exactly are your options?

Types of Insurance Coverage for Manufactured Homes

  • Personal Property Coverage: This type of coverage protects your belongings within your manufactured home. It covers items such as furniture, appliances, and clothing.
  • Dwelling Coverage: This coverage is specific to your home’s structure. It’s important to make sure that you have enough coverage to rebuild your home should it be damaged or destroyed.
  • Liability Coverage: Liability coverage is extremely important. It protects you in the event that someone gets hurt on your property and decides to sue.

Factors that Affect Your Manufactured Home Insurance Rates

A few factors can impact the cost of insurance for your manufactured home, including:

  • Age of the home: An older home may increase your insurance premium because it may be more prone to damages and may require repairs more often.
  • Location: The location of your manufactured home may be a factor in determining your insurance rates. Factors such as the likelihood of natural disasters in the area may increase your rates.
  • Value of the home: The value of your home and the personal property contained within it will factor into your insurance rates. The more valuable the items, the higher the premium you can expect to pay.

Amica’s Manufactured Home Insurance Coverage

Amica provides coverage for manufactured homes, offering protection for both the home itself and your personal belongings. They also offer liability coverage to protect you financially in the event of liability claims. With Amica, you can customize your insurance policy to meet your specific needs. They also offer discounts for bundling your home and auto policies together.

Coverage Type Amica
Personal Property Up to actual cash value
Dwelling Coverage Up to replacement cost value
Liability Coverage Up to $500,000

Overall, Amica offers solid coverage for manufactured homes at competitive rates. Be sure to review your options and speak with an insurance professional to determine the best policy for your specific needs and budget.

Coverage provided by Amica for Manufactured Homes

Amica is a trusted provider of insurance coverage for manufactured homes. Manufactured homes, also known as mobile homes, are unique in that they are built in factories and transported to their site of installation. This means that they have specific insurance requirements that differ from traditional homes.

Available Coverage

  • Structural coverage including the home, additions, and structures on the property like sheds and decks.
  • Personal belongings coverage for your furniture, clothing, and other possessions in the home.
  • Liability coverage for bodily injury or property damage caused by you or a family member that occurs on your property.

Optional Coverage

Amica provides optional coverages to increase your protection and peace of mind. They include:

  • Flood insurance to protect your home from rising waters and flooding.
  • Replacement cost coverage that reimburses you for the full cost of repairing or replacing your home, without depreciation taken into account.
  • Additional personal property coverage for specific items, like jewelry or electronics, that may not be fully covered by your standard policy.

Discounts for Manufactured Homeowners

Amica offers discounts to its manufactured home policyholders, including:

  • Multi-policy discounts when you insure your manufactured home along with another type of policy, like auto or life insurance.
  • Security discounts for homes with added security features such as smoke detectors, alarms, and deadbolts.
  • Senior citizen discounts for homeowners over the age of 55.

Amica’s Advantage Policy

Amica’s Advantage Policy is a comprehensive policy for manufactured homes that provides enhanced coverage and additional benefits. Some features of this policy include:

Feature Description
Extended Replacement Cost Coverage Reimburses you for up to 125% of your home’s insured value, giving you extra protection in the event of a total loss.
Water Backup and Sump Overflow Coverage Protects you from the damage caused by water backing up through your pipes or a sump pump
Increased Coverage Limits for Personal Belongings and Structures Provides extra protection for your home and belongings.
Discounted Deductibles Reduces your deductible by $50 for each year you remain claim-free.

As a leading provider of insurance for manufactured homes, Amica offers a range of coverage options to protect your investment.

Factors affecting insurance rates for manufactured homes

If you own a manufactured home, getting the right insurance coverage is essential for protecting your home and belongings from unforeseen risks. However, the insurance rates for manufactured homes vary significantly based on several factors.

Here are some of the key factors that affect insurance rates for manufactured homes:

  • Location – One of the most significant factors that influence insurance rates for manufactured homes is the location. If your home is located in an area prone to natural disasters such as floods, hurricanes, or earthquakes, your insurance rates are likely to be higher as there is a higher risk of property damage.
  • Age of the home – The age of your manufactured home is another critical factor that affects your insurance rates. Older homes are more susceptible to wear and tear, which increases the risk of damage. As a result, the insurance rates for older homes are generally higher than newer ones.
  • Type of home – The construction type of your manufactured home can also impact your insurance rates. Homes made of combustible materials such as wood are considered more risky than homes made of non-combustible materials like brick or metal and therefore can lead to higher premiums.

Other factors that might impact your insurance rates for manufactured homes include:

  • Security systems – Installing security systems such as burglar alarms, smoke detectors, and fire alarms can reduce the risk of damage or theft, thereby reducing your insurance rates.
  • Credit score – Your credit score can also affect your insurance rates. If you have a good credit score, you are seen as a more responsible and lower-risk individual than someone with a poor credit score, which can lead to lower premiums.
  • Claims history – Your past insurance claims can also impact your insurance rates. If you have a history of filing several claims, insurance companies may view you as a higher risk.


When it comes to insurance rates for manufactured homes, several factors come into play. Understanding these factors can help you make informed decisions and select the right insurance coverage that meets your needs and budget while providing adequate protection for your home and belongings.

Factor Impact
Location High
Age of the home High
Type of home Moderate
Security systems Low
Credit score Low
Claims history Low

By taking steps such as improving your credit score, upgrading your security systems, or choosing a less risky location, you can lower your insurance rates and ensure that you have the protection you need to enjoy your home without worry.

Importance of insuring a manufactured home

Manufactured homes are an affordable housing option and provide a comfortable living space for millions of people. However, just like any other home, manufactured homes need to be insured to safeguard against unforeseen risks.

Below are some reasons why insuring your manufactured home is important:

  • Protection against natural disasters: Manufactured homes are more vulnerable to natural disasters such as storms, hurricanes, and tornadoes than traditional homes. Insuring your manufactured home can help you recover from damages caused by natural disasters.
  • Liability coverage: Unlike traditional homes, manufactured homes can be transported. This increases the risk of damage or injury to your neighbor’s property or their guests. Insuring your manufactured home can provide you with liability coverage that will protect you in such cases.
  • Protection against theft: Manufactured homes are often located in isolated areas, making them an easy target for burglars. Insurance coverage can help you recover from losses resulting from theft or vandalism.

The types of coverage provided by insurance companies for manufactured homes

Insurance companies provide different types of coverage for manufactured homes. The types of coverage include:

  • Dwelling Coverage: This type of coverage protects the structure of your home and its attached structures such as a deck or garage.
  • Personal Property Coverage: This type of coverage protects your personal property, including your furniture, appliances, and electronics.
  • Liability Coverage: This type of coverage provides protection against accidents that can lead to injuries, property damage, or lawsuits.
  • Additional living expenses coverage: This coverage helps you cover additional living expenses in case your home becomes uninhabitable during a covered event.

How much does manufactured home insurance cost?

Insurance premiums for manufactured homes vary depending on different factors such as location, coverage type, home age, condition, and the insurer. On average, manufactured home insurance costs between $300 and $1,000 annually.


Insuring your manufactured home can protect your home and personal property from financial risks associated with natural disasters, theft, and liability claims. Obtaining coverage tailored to your specific needs is essential to ensure that you are fully protected.

Types of Coverage Offered Average Cost Annually Factors Affecting Cost
Dwelling Coverage $300-$1,000 Home Age, Condition
Personal Property Coverage $300-$1,000 Home Age, Condition
Liability Coverage $300-$1,000 Home Age, Condition
Additional Living Expenses Coverage $300-$1,000 Home Age, Condition

It is advised that you consult with an insurance agent for personalized recommendations to ensure that your manufactured home is adequately covered.

Available Discounts for Amica Manufactured Home Insurance

Amica offers various discounts to help you save on your manufactured home insurance policy. Here are seven discounts available to policyholders:

  • New Home Discount: This discount is available for new homes that are less than 10 years old and have not had a previous insurer.
  • Protective Device Discount: If you have installed protective devices such as fire alarms, smoke detectors, and burglar alarms, you may qualify for this discount.
  • Multiple Policy Discount: If you have multiple policies with Amica, such as home and auto insurance, you may qualify for a discount on your manufactured home insurance.
  • Claims-Free Discount: If you have been claim-free for a certain period, you may qualify for a discount.
  • Loyalty Discount: If you have been a customer of Amica for a certain period, you may qualify for a loyalty discount.
  • Higher Deductible Discount: If you choose a higher deductible, Amica may offer you a discount on your premium.
  • Paid-in-Full Discount: If you pay your annual premium upfront, Amica may offer you a discount.

How to Qualify for Discounts

To qualify for these discounts, you may need to meet certain criteria. For example, to qualify for the New Home Discount, your manufactured home needs to be less than 10 years old and has not had a previous insurer. To qualify for the Protective Device Discount, you need to have installed protective devices such as fire alarms, smoke detectors, and burglar alarms.

The Benefits of Discounts

By taking advantage of these discounts, you can save money on your manufactured home insurance policy. For example, if you qualify for the New Home Discount, you can save up to 10% on your premium. If you qualify for the Protective Device Discount, you can save up to 15% on your premium. These discounts can add up over time and help you save money on your insurance policy.


Discount Qualification Criteria Potential Savings
New Home Discount Home less than 10 years old, no previous insurer Up to 10%
Protective Device Discount Installed protective devices such as fire alarms, smoke detectors, and burglar alarms Up to 15%
Multiple Policy Discount Have multiple policies with Amica Varies
Claims-Free Discount Claim-free for a certain period Varies
Loyalty Discount Customer of Amica for a certain period Varies
Higher Deductible Discount Choose a higher deductible Varies
Paid-in-Full Discount Pay annual premium upfront Varies

Overall, Amica offers a range of discounts to help you save on your manufactured home insurance policy. By taking advantage of these discounts, you can lower your premium and enjoy more affordable insurance coverage.

How to apply for Amica manufactured home insurance

If you own a manufactured home, you know how important it is to protect your investment. At Amica, we offer insurance policies tailored specifically for manufactured homes, providing the coverage you need to feel secure. Here’s how you can apply for Amica manufactured home insurance:

  • 1. Start by getting a quote: You can get a quote by visiting our website or by calling us directly. You’ll need to provide some basic information about your home, such as its age, size, and location. We’ll use this information to determine your premium.
  • 2. Customize your coverage: At Amica, we understand that every manufactured home is unique. You can customize your coverage to fit your specific needs and budget. Options include liability insurance, personal property coverage, and protection against damage from natural disasters.
  • 3. Fill out an application: Once you’ve chosen your coverage level, you’ll need to fill out an application. You can do this online or by mail. Make sure to provide accurate information, as any discrepancies could affect your coverage.

Once your application is approved, you’ll receive a policy binder outlining your coverage and premium. From there, you’ll be able to make payments and manage your policy online.

Benefits of Amica manufactured home insurance

When you choose Amica for your manufactured home insurance, you’ll enjoy a range of benefits, including:

  • Protection: Our policies are designed to protect your home from a variety of risks, including fire, theft, and weather-related damage.
  • Flexibility: You can customize your coverage to fit your unique needs and budget.
  • Expert advice: Our agents are experts in manufactured home insurance and can help you find the coverage that suits you best.
  • Convenience: With our online tools and mobile app, you can manage your policy from anywhere, at any time.

FAQs about Amica manufactured home insurance

Here are some frequently asked questions about Amica manufactured home insurance:

Question Answer
What is covered by Amica manufactured home insurance? Our policies cover damage to your manufactured home, as well as liability protection and personal property coverage.
Do I need manufactured home insurance? Yes, most mortgage lenders require proof of insurance before they will approve a loan. Additionally, insurance can help protect your investment and give you peace of mind.
How much does Amica manufactured home insurance cost? The cost of your policy will depend on a variety of factors, including the age and location of your home, the level of coverage you choose, and your deductible.
Can I bundle my manufactured home insurance with other policies? Yes, we offer a range of insurance products, including auto, home, and life insurance, which can be bundled for additional savings.

Contact us today to learn more about our manufactured home insurance policies and how we can help protect your home.

Claims Process for Amica Manufactured Home Insurance

Filing a claim for your manufactured home with Amica is a simple, straightforward process. Here are the steps to take:

  • Contact Amica: Report the loss to Amica by phone or online as soon as possible after the loss occurs. You can reach Amica’s claims department 24/7 at 800-242-6422 or on their website.
  • Provide Information: Once you’ve reported the loss, Amica will ask for details about the damage and any injuries sustained. Be prepared to provide your policy number, a description of the property damaged, and the date and time of the loss.
  • Assessment: After you’ve reported your claim, an Amica claims adjuster will contact you to schedule a time to inspect the damage. The adjuster will assess the loss and determine the appropriate settlement based on the terms and conditions of your policy.

Amica understands that filing a claim can be a stressful time, which is why they strive to make the claims process as easy and efficient as possible. They also offer a variety of tools to help you manage your claims, including:

  • Electronic Claim Filing: You can file a claim electronically on Amica’s website, which can help expedite the process.
  • Virtual Inspections: Amica has implemented virtual inspections to ensure the safety of customers during the pandemic. Customers can use their smartphones or other devices to take photos and videos of the damage, which can be sent to the claims adjuster for review.
  • Online Claim Tracking: Customers can track the progress of their claims online, which can provide peace of mind and reduce the need for phone calls or emails to the claims department.

To give you an idea of what to expect when filing a claim, here is a breakdown of the claims process:

Step Description
Reporting Report the loss to Amica by phone, online, or through the mobile app.
Documentation Provide Amica with a copy of the police or fire department report, if applicable, and any other documentation necessary to support your claim.
Assessment An Amica adjuster will inspect the damage to your manufactured home and provide an estimate for repairs or replacement.
Approval If the estimate is approved, Amica will issue payment for the loss based on the terms and conditions of your policy.
Repair/Replacement You can use the settlement payment to repair or replace your manufactured home.

Overall, Amica’s claims process for manufactured home insurance is user-friendly and designed to minimize any inconvenience or stress to the homeowner. With the help of a knowledgeable claims adjuster and the latest technology, Amica ensures that customers receive speedy and fair settlements for their losses.

Reviews of Amica manufactured home insurance by customers.

Amica has a good reputation when it comes to insurance. Their customer service is known to be one of the best in the industry. This is why most of their customers are satisfied with their services, and they would recommend Amica to their friends and family.

  • One customer wrote that Amica’s manufactured home insurance is a good value for the price. They are happy with the coverage they got, and they had a great experience with Amica’s customer service.
  • Another customer said that Amica’s insurance helped them get back on track after their home was damaged by a storm. They were able to repair their home without spending a lot of money.
  • One customer wrote that they had been an Amica customer for over 10 years and they have always been happy with their services.

As you can see from these reviews, Amica’s manufactured home insurance is a popular choice among homeowners. Their commitment to customer service and affordable rates make them a great option for anyone looking for reliable insurance coverage.

To give you a better idea of what their insurance policy covers, here’s a table that shows the coverage options available for manufactured homes:

Coverage Type Description
Dwelling coverage Covers the structure of your home and attached structures, such as porches and garages
Personal property coverage Covers your personal belongings, such as furniture and electronics, if they are damaged or stolen
Liability coverage Covers you in case someone gets injured on your property
Loss of use coverage Covers your additional living expenses if your home is uninhabitable due to damage

Overall, Amica is a good choice for anyone looking for manufactured home insurance. Their customer service and competitive rates make them stand out in the industry.

Does Amica Insure Manufactured Homes? FAQs

1. What is a manufactured home?

A manufactured home is a type of prefabricated housing that is built in a factory and transported to its final location.

2. Does Amica offer insurance for manufactured homes?

Yes, Amica does offer insurance for manufactured homes.

3. What type of coverage is available?

Amica offers coverage for your manufactured home, personal belongings, and liability protection.

4. Are there any discounts available for insuring a manufactured home with Amica?

Yes, Amica offers discounts for manufactured homes that have safety features such as smoke detectors and fire alarms.

5. Does Amica insure older manufactured homes?

Yes, Amica will insure manufactured homes regardless of their age.

6. How can I get a quote for manufactured home insurance from Amica?

You can get a quote for manufactured home insurance from Amica by calling their customer service or by going to their website.

7. Does Amica offer other insurance products?

Yes, Amica offers a wide range of insurance products, including auto, home, life, and health insurance.

Closing Thoughts

Thank you for reading about Amica insuring manufactured homes. It’s nice to know that you have options when it comes to protecting your home and personal belongings. If you’re interested in getting a quote for manufactured home insurance from Amica, visit our website or contact our customer service. We’ll be happy to provide you with all the information you need to get started. Thanks again for reading and visit us again soon!