Home Policy

Mobile home insurance is similar to homeowners insurance, but instead you get specialized protection for your factory built home. Whether you need manufactured home insurance or modular home insurance, we can customize a policy to meet the needs of your property.

Types of Mobile Homes

Modular Home Characteristics

  • 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



Manufactured Home Characteristics

  • Constructed on a movable steel chassis with just one level

  • Manufactured in sections and transported to the building site on wheels

  • Typically less expensive per square foot than site-built homes

  • Can be placed on a basement or crawlspace

  • Built to conform to federal (HUD) building codes

Standard Mobile Home Insurance Coverages


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


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


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.

Loss of Use

Also known as "additional living expenses," loss of use coverage can pay for meals and hotel costs if can't live in your home because of a covered loss.

Request a quote with one of our experienced agents to insure your mobile/manufactured home.

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