Mobile home insurance, or manufactured home insurance, is a special type of homeowners policy designed to cover a different set of risks compared to traditional site-built homes. Manufactured homes are built in a factory with lighter materials, then transported to a site where they are typically tied down via ground anchors for stability. Because these homes are designed and built differently than traditional site-built homes, they need a special insurance policy that assumes the added risks that come with a strapped-down home vs. one built on a concrete foundation.
If you make payments to a mortgage lender, you will be required to purchase Mobile Home Insurance for the duration of the loan.
The basic types of coverage include:
- Liability Coverage which covers you if a visitor on your property gets injured due to your negligence, or if you damage someone else’s property and you are taken to court.
- Property damage covers any significant loss to your property that requires repair.
- Personal property coverage provides protection for your belongings in case of burglary or theft, as well as damage or loss due to weather events or disasters like fires, tornadoes or falling objects.
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