Guide to Mobile Home Insurance

CASS VICKERY | July 25, 2018

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Due to their unique construction and vulnerability to certain weather, such as windstorms, mobile homes typically don’t qualify for traditional homeowners insurance. Instead, you need to look into separate mobile home insurance. Both mobile (also called manufactured) and modular homes are built in a factory rather than on a construction site. Mobile homes rest on a movable chassis and never include more than a single level. Modular homes can have multiple stories and sit on a foundation similar to traditional houses. The distinction between the two home types can affect your insurance choices. Some companies may have you insure a modular home with a traditional homeowners policy rather than mobile home insurance.

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