What Does Manufactured Home Insurance Cover?

Manufactured home insurance provides tailored protection for mobile or modular homes—covering structural risks and content loss specific to those dwelling types.

1. What Is Covered by a Manufactured Home Policy?

Coverages typically include:

• Dwelling protection: Covers structure, skirting, built-in appliances, and attached porches/sheds.

• Contents coverage: Your furniture, electronics, and personal items inside the home.

• Liability coverage: Protection if someone gets injured on your property.

• Additional living expenses: Temporary rental housing when repairs take longer than expected.

2. Covered Perils (Typical Risks Insurance Protects Against)

Manufactured home policies often cover damage from:

• Fire, smoke, lightning, and explosions

• Windstorms, hail, hurricanes, and tornadoes

• Vandalism, theft, and malicious mischief

• Falling objects, water damage from burst pipes

• Sinkhole collapse or subsidence (with optional add-on if needed)

3. Common Exclusions from Coverage

Policies usually do not cover:

• Damage due to poor maintenance, such as roof leaks or pest infestations

• Wear and tear or gradual deterioration

• Flood damage unless you have a separate flood insurance policy

• Damage caused by earthquakes—must be added separately

• Losses involving uninsured or unlicensed drivers (if your home is mobile)

4. What Affects Your Premium and Deductible

• Your home’s age, replacement cost, and build

• Whether it’s set on a permanent foundation

• Location and weather risks—like coastal wind, hail zones, flood areas

• Deductible amount: higher deductibles lower premiums

• Discounts for secure skirting, tie-down straps, or smoke detectors

5. How to File a Claim Easily

Steps to follow for faster resolution:

1. Document damage with photos and notes on when and how it occurred.

2. Notify your insurer promptly with key details.

3. Provide estimates and receipts for repairs or temporary housing.

4. Act quickly to prevent secondary damage—from water, pests, or mold.

Summary Table

Final Takeaway

Manufactured home insurance is designed to cover the unique needs of mobile and prefab homes—from protective structure and contents coverage to liability and temporary housing. Standard policies cover a wide range of sudden losses, but maintenance-related damage, floods, and earthquakes typically require special endorsements.

Want help comparing the right manufactured home policies or finding the best coverage for your situation?
With over 30 years of experience and access to nearly 100 insurance providers, THAgency will match you with the best plan—fast, free, and personalized.