What does manufactured home insurance cover?
Plain-language answers — no fine print, no jargon. Here's exactly what each part of your policy does and why it matters.
The three parts of your policy
Select a coverage type to see what's included and what's not.
Dwelling coverage
Dwelling coverage pays to repair or rebuild your manufactured home if it's damaged by a covered event — fire, wind, hail, lightning, vandalism, and more. Because manufactured homes are built differently than site-built homes, standard homeowners policies often fall short. Our policies are written specifically for HUD-code manufactured and mobile homes.
- Fire and smoke damage
- Wind and hailstorm damage
- Lightning strikes
- Vandalism and malicious mischief
- Falling objects
- Weight of ice, snow, or sleet
- Flood damage (separate policy required)
- Earthquake damage
- Normal wear and tear
- Pest or rodent damage
Why manufactured homes need specialized insurance
Different construction standards
Manufactured homes are built to HUD code, not local building codes. Standard homeowners policies are written for site-built homes and often exclude or underpay claims on manufactured homes.
Higher wind and weather exposure
Many manufactured homes are located in areas with higher exposure to severe weather. Specialized policies account for this with appropriate dwelling limits and wind/hail coverage.
Land ownership varies
Whether you own your land, rent a lot in a park, or lease from a family member — your policy needs to reflect your specific situation. We write policies for all three.
Replacement cost matters more
Manufactured homes can be difficult to replace at actual cash value due to depreciation. We offer replacement cost coverage so you're not left short after a total loss.
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