What Does Manufactured Home Insurance Cover?

Manufactured home insurance—also known as mobile home insurance—typically covers damage to the structure (including attached decks or sheds), your personal belongings, personal liability, and additional living expenses if the home becomes uninhabitable. It does not generally include events like floods or earthquakes unless separately added to the policy.

What’s Usually Covered?

A policy for manufactured homes often provides:

• Dwelling/Structure Coverage: Repairs or replacement for your home and attachments like porches or sheds caused by incidents such as fire, windstorm, or vandalism.

• Personal Property Coverage: Protection for belongings like clothing and electronics. You can upgrade to replacement-cost coverage or add riders for high-value items.

• Liability Coverage: Helps with legal defense and medical costs if someone is injured on your property.

• Loss of Use / Additional Living Expenses (ALE): Pays for temporary housing and living costs if your home is damaged and uninhabitable.

Common Exclusions to Know

Manufactured home policies typically do not protect against:

• Flood, earthquake, sinkhole damage, or other earth movements.

• Damage due to long-term neglect, poor maintenance, or wear and tear.

• In-transit damage if the home is being moved, unless extra coverage is added.

Key Points

• Manufactured home insurance typically covers structural damage, personal belongings, liability, and temporary living costs.

• It does not include flooding, earthquakes, or maintenance-related issues—these require separate coverage.

• Personal property is covered by default at actual cash value; replacement-cost or scheduled coverage may cost extra.

• Policies may be either named-peril (specific incidents only) or comprehensive (open-peril, broader protection).

Frequently Asked Questions (FAQ)

1. Is manufactured home insurance required?
Not by law, but it’s commonly required by mortgage lenders or home communities.

2. What’s the average cost of this insurance?
Homeowners typically pay between $700 and $1,500 per year, depending on coverage and risk factors.

3. Are personal valuables covered?
Yes—within policy limits. You can add riders for high-value items like jewelry or collectibles.

4. Can I get coverage while moving my home?
Usually not. Special in-transit coverage is available as an add-on.

Final Thoughts

Manufactured home insurance is designed specifically for the needs of factory-built homes, offering protection similar to homeowners insurance but with tailored coverages and exclusions. Understanding what’s included—and what’s not—helps you choose the coverage that best safeguards your home and belongings.

At THAgency, we compare nearly 100 carriers to find you the optimal coverage at the best price. With 30 years of experience, we’ll guide you every step of the way.

Start now and see your options instantly. Get your personalized quote today. It’s fast, secure, and tailored to you.