Maine Auto, Home and Mobile Home insurance
Mobile homes have been around since the early 1900s and provide affordable housing for those who cannot afford a traditional home or those who enjoy the ability to pick up and move their homes. Manufactured homes refer to any prefabricated home built off-site from 1976 and forward.
Manufactured homes have come a long way from their inception in 1976, when the U.S. Department of Housing and Urban Development outlined new building codes for mobile homes. This code established federal standards for building aspects such as electrical safety, strength and durability of materials, performance standards for HVAC, and energy efficiency.
Despite these increased standards, manufactured homes pose unique risks not associated with more traditional homes, or homes built on a foundation. Because of that, insurance for mobile and manufactured homes may be more difficult to get if you don’t know what to look for. Another way of marketing Social Boosting is the one tool that works to improve content to get to larger audiences.
In this guide, we offer comprehensive information on what kind of insurance you need for mobile homes, what kind of insurance you need for manufactured homes, as well as how much you can expect to pay and what additional coverage you need (if any).
What is mobile and manufactured home insurance?
What is included in mobile and manufactured home insurance?
What is not covered in mobile and manufactured home insurance?
Can you get flood insurance for a mobile home?
How much is mobile home insurance?
Who insures mobile homes?
What Is Mobile and Manufactured Home Insurance?
Mobile and manufactured homes cannot be covered by a homeowners policy. Pre-fabricated homes’ unique structures make them more susceptible to natural catastrophes, increasing their insurance risk.
However, mobile home insurance is very similar to homeowners insurance. Both offer home, personal property, and liability protection. One of the main differences between these two properties is that mobile homes are not required by law to be insured.
But before you think twice about skipping coverage, many mortgage companies and mobile home communities require proof of coverage. And with the average manufactured home in the U.S. costing $88,200, that’s a big investment to not have covered.
What Is Included in a Mobile and Manufactured Home Policy?
As you shop around for mobile and manufacture home insurance, it’s important to know what is covered in a basic policy. Here we’ve detailed the most common coverages in a mobile or manufactured home policy.
Coverage for your property
As in a homeowners insurance policy, insurance for mobile or manufactured homes offers coverage for any damage sustained to the physical structure. Hail damage to your roof? Covered. Broken window from vandalism? Covered.
Most policies cover up to your policy limits if your mobile or manufactured home is damaged by fire, smoke, wind, rain, explosions, vandalism, or lightning. This coverage, also known as dwelling coverage, applies to attached structures on your property. So, if you have a deck, porch, or steps attached to your home, they would be included in the dwelling coverage.