Frequently Asked Questions

It’s a matter of when they were built. The government defines a mobile home as one built before June 15, 1976 and a manufactured home as one built after.

Mobile and manufactured homes are often more vulnerable to specific types of damage, such as storms or theft, due to their construction. Specialized insurance ensures that these risks are covered, protecting your home and personal belongings.

Typically, manufactured homes are not permanently attached to a foundation, which make them more susceptible to damage from wind and other natural events.

Most policies cover the structure of your home, your personal property, and liability protection in case of injury to your property. You may also opt for additional coverage for things like replacement costs or other structures on your property.

Location plays a significant role in determining your insurance premiums. Homes located in areas prone to natural disasters like floods or tornadoes may have higher premiums. Be sure to discuss your location with your insurance provider to understand how it impacts your policy.

Yes, mobile home insurance can cover home improvements, like adding a porch or deck, but you may need to update your policy. It’s a good idea to check with your insurance provider before starting any big projects to make sure the improvements are properly covered.

Owners of mobile homes built before 1976 are much more likely to find it difficult to insure these structures. If you have trouble finding insurance for your older home, contact an independent insurance agent for help.