What is manufactured home insurance?

Manufactured homeowners insurance provides coverage to repair or rebuild your manufactured home after events like fire, smoke, theft, vandalism, a falling tree, or damage caused by weather such as lightning, wind, or hail. Most manufactured homeowners insurance policies also cover furniture, clothing, and other possessions, but can vary by carrier or policy.

How to find manufactured home insurance

Finding manufactured homeowners insurance does not have to be difficult. In fact, being able to compare qualified mobile home, modular home, or manufactured home insurance has never been easier. We’ve simplified the process of finding the right manufactured home insurance for your family’s factory-built home.

Whether it’s a home on land, in a lifestyle lease community, or in a mobile home park, we’ve got you covered. Use the quick contact form and we’ll get in touch to determine who can best serve your manufactured home insurance needs.

Types of insurable factory-built homes

Manufactured homes

  • Constructed on a movable steel chassis
  • Manufactured in sections and transported to the homesite
  • Usually less expensive than site-built homes
  • Can be placed in a lease community
  • Can be placed on a foundation or basement
  • Built to conform to federal (HUD) building codes

Modular homes

  • Built off-site in a factory and then transported to a specific location
  • May be on a permanent foundation instead of being tied down
  • Can be placed on a basement or crawlspace
  • May have multiple levels
  • Manufactured to satisfy local and state building codes

Mobile homes

  • Constructed on a movable steel chassis
  • Manufactured in sections and parked on homesite
  • Typically placed in a mobile home park
  • Built prior to the HUD code (pre-1976)

Types of coverages


Coverage for if your home is damaged by a covered peril, dwelling coverage helps to repair or replace the physical structure.


Covers your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if lost or damaged in a covered incident.


Insurance for a household member is responsible for someone else’s injury or damaged property, personal liability coverage can cover you up to your policy’s limits.

Loss of use or additional living expenses

This coverage can pay for meals and hotel costs if you can’t live in your home because of a covered loss.

Replacement cost coverage

Protects your home and your belongings against depreciation. This optional coverage gives you the money you need to repair or replace what’s damaged without depreciating the value.

Get a fast quote on manufactured home insurance

Just fill out a short form and we’ll put you in touch with a manufactured home insurance expert who can get you started today.