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Insurance is similar for manufactured homes as it is for standard homes. However, your insurance could protect against a few specialized risks, like less weather stability or trip collision coverage during transport.
Insuring a manufactured home involves similar coverage to onsite homes, except that you might need extra coverage when moving the home to its location. Coverage options include:
For the most part, manufactured homes require the same basic coverage no matter the size or customizations. However, you’ll see a different premium for smaller homes versus larger ones.
Both manufactured and mobile homes are built at a factory in two sections and then transported to their location. These homes can be placed on a basement or crawlspace and include many customizations.
Some people consider smaller, trailer-like homes to be mobile homes. But the U.S. Department of Housing and Urban Development (HUD) specifies that mobile homes are factory-built homes constructed before June 15, 1976. These homes are treated the same as manufactured homes for insurance purposes.
Your manufactured home may cost less to insure because of its lower replacement cost. But you can still find easy ways to save even more on your homeowners insurance:
Insuring a manufactured home can be straightforward, but you can take extra steps to prevent damage. Situations to watch when insuring your home:
Manufactured homes face a variety of risks from weather to animal damage, although you can prevent some damage simply by taking a few precautions. To find the best protection when damage does befall your home, look at several home insurance companies that cater to manufactured homes.
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