Who Insures Manufactured Homes: Understanding Your Options

Have you ever wondered who insures manufactured homes? Despite their increasing popularity, there’s still some confusion about where to turn for coverage. If you’re considering purchasing a manufactured home, you’ll want to be sure you have the right insurance to protect it from damage. But where do you start?

First, it’s important to know that not all insurance companies offer coverage for manufactured homes. This is because they differ from a traditional stick-built home in terms of their construction and materials. However, there are many specialized insurance providers who do have policies specifically catered towards manufactured homes. These companies understand the unique risks associated with this type of housing and will work with you to find a policy that suits your needs.

So, who insures manufactured homes? Some of the major players in the industry include Farmers, GEICO, and Allstate. However, there are also smaller, specialized insurance companies that may be a better fit for your specific situation. The key is to do your research, compare policies and rates, and find an insurer that you feel comfortable with. By taking the time to find the right coverage, you can rest easy knowing that your manufactured home is protected in case of any unexpected events.

Overview of manufactured homes insurance

Manufactured homes, also known as mobile homes, are designed for transportation and are built on a permanent chassis. These types of homes can be insured like a traditional site-built home, but the insurance requirements and options vary. Here’s what you need to know about manufactured homes insurance:

  • Manufactured homes insurance policies typically cover the structure, contents, and liability protection.
  • The policy may also include coverage for detached structures, such as garages or sheds, and additional living expenses if the home becomes uninhabitable due to a covered event.
  • Manufactured homes may require additional coverage for specific hazards, such as windstorm or flood.

In addition, some lenders may require manufactured homes insurance as a condition of financing. Compared to site-built homes, manufactured homes may have a higher risk factor due to transportation and installation issues. As a result, the premiums for manufactured homes insurance may be slightly higher.

It’s also important to note that not all insurance companies offer coverage for manufactured homes. Therefore, it’s essential to shop around and find an insurance company that specializes in this type of coverage. Working with an insurance agent who is knowledgeable about manufactured homes insurance is essential to ensure you have adequate coverage.

Types of Insurance for Manufactured Homes

There are different types of insurance policies available for owners of manufactured homes. Knowing the different types of insurance for manufactured homes can help you make an informed decision when choosing the right type of coverage for your home. Below are the most common types of insurance for manufactured homes:

  • Homeowners insurance: This type of insurance is similar to traditional homeowners insurance, providing coverage for the structure of your home and your personal property. It can also include liability coverage that protects you in case someone gets injured on your property.
  • Flood insurance: Not all homeowners insurance policies cover flood damage, so it’s important to have separate flood insurance if you live in a high-risk flood zone.
  • Manufactured home insurance: This type of insurance is specifically designed for manufactured homes and includes coverage for the structure of your home, personal property, and liability. It also covers issues that are unique to manufactured homes, such as damages caused by shifting or settling of the home.

It’s important to note that standard homeowners insurance policies may not cover manufactured homes, so it’s essential to check with your insurance provider to ensure that you have the right kind of coverage for your home.

When choosing an insurance policy for your manufactured home, it’s important to consider the amount of coverage you need. This can depend on a variety of factors, such as the value of your home and the amount of personal property you own. You may also want to consider additional coverage options, such as:

  • Replacement cost coverage: This type of coverage pays for the cost of replacing damaged property with new items of similar kind and quality, without factoring in depreciation.
  • Extended replacement cost coverage: This type of coverage pays for the cost of rebuilding your home even if the amount exceeds your policy limit.
  • Additional living expenses coverage: This coverage pays for expenses you incur if you have to temporarily live elsewhere while your home is being repaired or rebuilt.

Factors that Affect Manufactured Home Insurance Premiums

The cost of insurance premiums for manufactured homes depends on different factors. Insurance providers consider these factors when determining your premium:

  • The age of your manufactured home
  • The location of your home
  • The materials your home is made of
  • The condition of your home and its structural features
  • Your credit score and history
  • The amount of coverage you choose to have

To get the best insurance rate for your manufactured home, you should shop around and compare different insurance policies. It’s also essential to read the fine print of your policy before signing up to ensure that you’re getting the coverage you need.

Type of Coverage Typical Annual Premiums
Homeowners insurance $500-$1,500
Manufactured home insurance $500-$1,200
Flood insurance $600-$1,200

As with any insurance policy, it’s crucial to work with a reputable insurance provider that can provide you with the coverage and services you need. Don’t hesitate to ask questions and request quotes from different providers to find the right insurance policy for your manufactured home.

Differences between manufactured home insurance and traditional homeowner’s insurance

Manufactured homes have different insurance needs than traditional homes due to their unique construction and the potential for different types of damage. Here are some key differences between manufactured home insurance and traditional homeowner’s insurance:

  • Coverage: Manufactured home insurance policies are specifically designed to cover the unique risks associated with manufactured homes, such as damage from high winds or hail. Traditional homeowner’s insurance policies may not provide sufficient coverage for these types of risks.
  • Cost: Manufactured home insurance policies may be less expensive than traditional homeowner’s insurance policies, due in part to lower replacement costs for manufactured homes. However, the cost of insurance can vary depending on factors such as location, age of the home, and level of coverage.
  • Availability: Some insurance companies may not offer coverage for manufactured homes, which can limit the options available to homeowners. Homeowners may need to work with a specialized insurance provider or do additional research to find the right coverage for their needs.

It’s important for homeowners to understand these differences and ensure that they have the appropriate insurance coverage for their manufactured home.

Qualifications for obtaining manufactured home insurance

Manufactured homes, like any property, need to be insured against potential losses. While obtaining manufactured home insurance can vary from state to state, there are general qualifications and requirements that you should know.

Some of the qualifications that you need to meet to get manufactured home insurance include:

  • Age: Typically, the home needs to be less than 20 years old to qualify for manufactured home insurance.
  • Ownership: You must be the owner of the manufactured home to get insurance for it.
  • Foundation: Manufactured homes must be installed on a permanent foundation to be eligible for insurance.
  • Certification: Your home must have been built after June 15, 1976, and have a certification label from the Department of Housing and Urban Development (HUD).
  • Location: Where your home is located can also impact your eligibility for insurance.

It’s essential to note that not all insurance companies offer manufactured home insurance, and rates for manufactured home insurance can vary significantly depending on the provider and the coverage you require.

Factors that impact manufactured home insurance rates

  • Type of construction: Whether your home is made of wood or steel frames can impact the cost of your insurance premium.
  • Location: Homes located in areas prone to natural disasters like hurricanes, flooding, and earthquakes may have higher premiums.
  • Age of the home: Generally, newer homes are less expensive to insure.
  • Value of the home and belongings: If you have a higher-valued home or personal belongings, you may need higher limits of coverage, leading to higher premiums.
  • Deductible: A higher deductible may result in lower premiums but a higher out-of-pocket cost if you need to file a claim.

Types of Coverage

Manufactured home insurance typically covers a range of potential risks, including fire, theft, windstorm, and personal liability. Here are some of the most common types of coverage:

Dwelling Coverage: This type of coverage will pay to repair or rebuild your home if it’s damaged or destroyed by a covered event.

Personal Property Coverage: This covers the cost to replace your personal belongings if they’re stolen or damaged in a covered event.

Other Structures Coverage: This coverage covers structures on your property that are not attached to your home, such as sheds or garages.

Liability Coverage: This coverage provides protection if you’re held legally responsible for someone else’s injuries or property damage while they’re on your property.


Before you purchase manufactured home insurance, it’s essential to understand what qualifications and requirements you need to meet to be eligible for coverage. Be sure to shop around and get quotes from different providers to find the best coverage at a reasonable rate.

State Minimum Coverage Required
Alabama Liability – $25,000
Property Damage – $25,000
Arizona Liability – $25,000
Property Damage – $50,000
Arkansas Liability – $25,000
Property Damage – $25,000
California Liability – $30,000
Property Damage – $5,000
Colorado Liability – $25,000
Property Damage – $15,000

Remember to check your state’s specific requirements for manufactured home insurance coverage.

Cost of Manufactured Home Insurance

When it comes to insuring a manufactured home, the cost can vary depending on several factors.

Here are five main factors that influence the cost of manufactured home insurance:

  • Location: The location of your manufactured home plays a significant role in determining your insurance premium. Homes in areas prone to severe weather conditions such as hurricanes, tornadoes, and floods are more expensive to insure. Similarly, if your home is located in a high-crime area, expect to pay higher premiums.
  • Age of the Home: Older homes tend to cost more to insure than newer ones, mainly because they are more prone to damage and wear and tear. Factors such as the condition of your roof, wiring, and plumbing can also affect your insurance premiums.
  • Type of Coverage: The type of insurance coverage you choose also affects your premium. Basic coverage typically includes protection against fire, theft, and liabilities. However, if you opt for additional coverage such as flood or earthquake protection, you will have to pay extra.
  • Deductibles: Your insurance premium may be lower if you choose a higher deductible rate. A deductible is the amount you pay out of pocket before your insurance coverage kicks in.
  • Insurance Company: Insurance companies have different ways of calculating insurance premiums. It’s worth shopping around to get quotes from various insurance providers to find the best deal for you.

To get an idea of the cost of manufactured home insurance, let’s take a look at the average premiums for various coverage levels:

Coverage Level Average Annual Premium
Basic Coverage $300-$700
Standard Coverage $700-$1,200
Comprehensive Coverage $1,200-$2,000

Keep in mind that the cost of insurance premiums can vary significantly depending on several factors as outlined above. However, by comparison shopping and understanding how insurers determine their premiums, you can find the policy that best fits your budget and coverage needs.

Factors that affect the cost of manufactured home insurance

Manufactured homes are gaining popularity as a cost-effective housing option. Designed to be transported on wheels and placed on a site that may not be considered permanent, manufacturing homes provide a viable alternative to traditional homes.

The cost of manufactured home insurance, however, varies from one insurer to another. Key factors that determine the cost of insurance include:

  • Location – Homeowners who live in areas with a high risk of natural disasters, such as floods, tornadoes, and earthquakes, are likely to pay higher premiums. Insurance companies determine risk factors based on historical data and the probability of future calamities occurring in a particular area.
  • Replacement cost – This refers to the cost of rebuilding the home and replacing any damaged or lost items. Insurance companies use this value to determine how much to pay out in the event of a claim. Manufactured homes that cost more to replace may attract higher premiums.
  • Deductible – The deductible is the amount paid by the homeowner before the insurance company pays out. Higher deductibles generally result in lower premiums, but they also mean you’ll pay more out of pocket in the event of a claim.

Other factors that could influence your manufactured home insurance premiums include:

  • The age and condition of the home at the time of purchase
  • The presence and quality of safety features such as smoke detectors, carbon monoxide detectors, and security systems
  • Your credit score – some insurance companies use this to determine the likelihood of you filing a claim
  • The history of claims in the area where your home is located

It’s worth noting that comparing insurance providers and policies is essential when purchasing manufactured home insurance. A little bit of research can go a long way in helping you find a policy that suits your needs and budget.

Location Age of Home Safety Features Credit Score History of Claims Replacement Cost Deductible Premium
Risk level 1 10 years Basic safety features Good No claims $50,000 $1,000 $500
Risk level 2 15 years Advanced safety features Excellent Previous claims $70,000 $500 $800
Risk level 3 5 years No safety features Poor High claims history $90,000 $2,000 $1,200

The table above shows how various factors influence manufactured home insurance premiums. The first row indicates that homeowners who live in areas with lower risk levels and have newer homes with basic safety features might pay lower premiums than those in riskier areas with older homes and no safety features.

Coverage options for manufactured home insurance

Manufactured homes are a popular choice for affordable and flexible living. However, like any other home, they are prone to risks such as fire, theft, and natural disasters. That’s why it’s important to have insurance coverage for your manufactured home. Here are the coverage options you should consider:

  • Physical damage: This policy covers damages to your home caused by fire, theft, vandalism, lightning, wind, or hail. It also covers damages to your personal property inside your home, such as your furniture, appliances, and clothing.
  • Liability: Liability coverage protects you from lawsuits filed by people who are injured on your property. It also covers damages to someone else’s property that you or a family member causes.
  • Flood: This policy covers damages caused by flood damage. Depending on the policy and your location, flood insurance may be required.
  • Earthquake: Many homeowners insurance policies do not cover earthquake damage. Therefore, if you live in an area prone to earthquakes, it’s essential to purchase this coverage.
  • Replacement Cost: If your home is damaged or destroyed, this policy pays for the cost of rebuilding or replacing your home and personal property at current market prices. This policy ensures you are not out-of-pocket if you have to rebuild your home and replace your personal property.
  • Income Loss: In case your home becomes uninhabitable due to a covered loss, this policy covers expenses such as temporary living expenses, storage fees for your belongings, and loss of rental income if you have rented the manufactured home to tenants.
  • Medical Payments: This policy covers medical expenses incurred by a person who is hurt on your property. In some cases, it can provide payment for damages that fall below liability limits. Medical payment coverage is available regardless of who is at fault, making this the coverage to consider.


Like all other insurance policies, the amount you pay for your premiums will depend on the deductible amount you choose. Your deductible is the amount you have to pay out of your pocket before your insurance company provides any coverage. Generally, the higher your deductible, the lower your premium. However, this means that you will need to pay more out-of-pocket if you file a claim. It is important to choose a deductible that fits your budget and risk tolerance.

In conclusion

Manufactured homes require insurance coverage just like any other type of home. When shopping for coverage, seek an agent who understands what you are looking for and who is willing to explain the coverage options in a way that you comprehend. Remember, you need the correct coverages to protect your manufactured home and personal property from damages caused by numerous means.

Policy Coverage Covered Perils
Physical Damage Fire, theft, vandalism, lightning, wind, hail
Liability Injuries on the property; damages to someone else’s property
Flood Flood damage
Earthquake Earthquake damage
Replacement Cost Cost to rebuild or replace home and personal property
Income Loss Expenses when home is uninhabitable
Medical Payments Medical expenses incurred by a person hurt on the property

Choose the coverage options that suit your needs and budget, and don’t forget to inquire about discounts. For example, if you install safety features like smoke detectors and security alarms, you may qualify for a lower premium. By making informed decisions and understanding your policy’s coverage options, you can protect your home, your property, and your finances from the unexpected.

Common claims for manufactured home insurance

While many insurance policies cover a wide range of possible issues, there are some claims that are more commonly associated with manufactured home insurance. Below are some of the most frequent claims that manufactured homeowners might experience, and what they might entail.

  • Water damage: This can include damage from floods, broken pipes, or other plumbing mishaps that cause water to seep into the home and damage flooring, walls, or ceilings. In some cases, water damage can also lead to mold development, which can make the home uninhabitable until it’s fixed.
  • Roof damage: Whether from heavy winds or debris falling on the roof, damage to the roof of the home can be a common claim. Repairs and replacements to roofs can be costly, so it’s important to make sure your policy covers this type of damage.
  • Fire damage: Fires can spread quickly through a home, and manufactured homes are no exception. Fire damage claims can include not only damage to the structure of the home, but also to personal possessions and other items inside.

While these are some of the most common claims associated with manufactured home insurance, it’s important to remember that every policy is different and that there is no one-size-fits-all solution when it comes to insurance. It’s always a good idea to review your policy thoroughly and make sure you’re covered for the types of claims that are most likely to affect you.

That being said, here is an example of what coverage for a manufactured home policy might look like:

Coverage Type Description
Structural: Covers damage or destruction to the home itself, including walls, floors, and the roof.
Personal Property: Covers damage or destruction to personal possessions inside the home, such as furniture, appliances, and electronics.
Liability: Covers injuries or damage sustained by others while they are on your property.
Additional Living Expenses: Covers temporary living expenses if you’re forced to move out of your home while repairs are being made.

Ultimately, the goal of insurance coverage is to provide peace of mind and financial protection in the event of an unexpected loss. By understanding the coverage available and the common claims that can be made, homeowners can make informed decisions about their policies and ensure they have the protection they need.

How to File a Manufactured Home Insurance Claim

If you own a manufactured home, it’s essential to have homeowners insurance coverage. In case of an accident, theft, fire, or other property damage, you need to file a claim with your insurance provider promptly. Here are some steps to take when filing a manufactured home insurance claim:

  • 1. Gather Information: Collect all the necessary information, including the policy number, the date and time of loss, and the cause of the damage. Take pictures or videos of the damage, if possible, and make a list of all the damaged or destroyed items.
  • 2. Contact Your Insurance Provider: Call your insurance provider or agent as soon as possible to report the claim. Provide them with all the relevant information you’ve gathered, and they will guide you through the claims process.
  • 3. Meet With The Adjuster: Once the claim is reported, the insurance company will send an adjuster to inspect and assess the damage. Be sure to be present during the inspection and point out all the damage to the adjuster.
  • 4. Review the Claim Settlement Offer: Your insurance provider will send you a claim settlement offer based on the adjuster’s assessment of the damage. Make sure to review this offer carefully and ask any questions you have. If you disagree with the offer, you can negotiate with your insurer to reach a fair settlement.
  • 5. Settle the Claim: If you accept the claim settlement offer, the insurance provider will send a check to cover the damages, minus the deductible amount. You must sign a release form absolving the insurer of any further liability.

The Importance of Filing an Insurance Claim

If you experience property damage to your manufactured home, it’s essential to file an insurance claim promptly to get the coverage you need. Failing to file a claim or not reporting it in time may result in your claim being denied. Additionally, delaying a claim may hinder the settling process, as insurers may require proof of damage and the cause of the accident.


Getting homeowners insurance coverage for your manufactured home and filing a claim when needed is crucial to protect your investment and ensure that you receive the compensation you deserve in case of a loss or damage. Always keep your insurance documents and information up-to-date, take necessary precautions to prevent accidents, and don’t hesitate to file a claim promptly when the need arises.

Do’s Dont’s
– Gather all relevant information, including policy number and date and time of loss. – Do not delay filing your claim, as it may result in your claim being denied.
– Contact your insurance provider or agent, and report the claim as soon as possible. – Do not attempt to fix the damages before the adjuster arrives to assess the damage.
– Be present during the adjuster’s inspection and point out all the damage. – Do not accept a low claim settlement offer; you have the right to negotiate for a fair settlement.
– Review the claim settlement offer carefully and don’t hesitate to ask questions or request clarification. – Do not sign a release form without reviewing the offer, as it might waive your rights to claim further damages.

Remember these Do’s and Don’ts when filing a claim for your manufactured home insurance to make sure that you receive the coverage you need and avoid any potential problems during the claim process.

Tips for Choosing the Right Insurance Policy for a Manufactured Home

If you own a manufactured home, you need to protect your investment with the right insurance policy. The following tips will help you choose the best policy for your needs:

  • Shop around: Don’t settle for the first insurance company you find. Look for at least three policies from different providers, and compare their coverage, cost, and reputation.
  • Choose the right type of policy: Manufactured homes can be insured with either a homeowners or a mobile home policy. Make sure you choose the one that fits your needs best.
  • Check the coverage limits: Make sure your policy covers all aspects of your manufactured home, including its contents, any outbuildings, and detached structures.

Other important factors to consider include the deductible, discounts, and customer service. You want an insurance provider that is responsive, easy to work with, and provides reliable coverage at a competitive price.

When choosing an insurance policy for your manufactured home, it’s also essential to understand the difference between a replacement cost and an actual cash value policy. A replacement cost policy pays for the full cost of replacing your home and belongings, while an actual cash value policy accounts for depreciation and may not cover the full cost of replacing your property.

Tip Description
Review your policy annually Insurance policies can change annually. Make sure to review your policy at least once a year to ensure that you have the proper coverage in place.
Bundle your policies If you have multiple insurance policies, such as auto and home insurance, consider bundling them together with the same provider to save on premiums.
Ask about discounts Many insurers offer discounts for security systems, smoke detectors, and other safety features. Ask your insurer about available discounts.

By following these tips, you can find the right insurance policy for your manufactured home and have peace of mind knowing your investment is protected.

FAQs: Who Insures Manufactured Homes?

1. Is it mandatory to insure a manufactured home?

While it is not mandatory to insure your manufactured home, it is always recommended to have insurance for protection against unforeseen circumstances.

2. Can I insure a manufactured home if it is over a certain age?

Yes, you can still insure a manufactured home even if it is over a certain age. However, the age of the home may affect your insurance premiums.

3. What kind of coverage can I get for my manufactured home?

You can get different types of coverage for your manufactured home, such as property damage, liability, and personal property protection.

4. Who can provide insurance for my manufactured home?

Manufactured home insurance can be provided by specialized insurance companies or traditional home insurance providers.

5. How much does manufactured home insurance typically cost?

The cost of manufactured home insurance varies depending on several factors such as the age, location, size, and value of your home.

6. Can I bundle my manufactured home insurance with other types of insurance?

Yes, you can bundle your manufactured home insurance with other types of insurance such as car insurance, homeowner’s insurance, or life insurance.

7. What do I need to know before purchasing manufactured home insurance?

Before purchasing manufactured home insurance, it is important to research different insurance providers, compare their coverage and rates, and understand the terms and conditions of the policy.

Closing Thoughts

Thank you for reading our FAQs on who insures manufactured homes. We hope you found the information useful. Remember, it is always recommended to insure your manufactured home for protection against unforeseen circumstances. Visit us again later for more informative articles!