Mobile Homes are classified as being built in a factory and moved to a chosen location. They aren’t much different than a site-built single-family home.
Insurance coverage for Mobile Homes is usually similar to a standard Homeowners policy, offering coverage for the home, your personal property and liability. Mobile Home policies can be insured for Replacement Cost, Actual Cash Value or a Stated Amount.
Mobile Home insurance covers the following:
Mobile homes have not technically been built since 1976. They may be located in a Mobile home park or on an owner’s land. These homes have steel I-beams which run along the underside of the homes.
Manufactured homes are fundamentally mobile homes built to a new and higher HUD safety standard during or after 1976. Like Mobile homes, they are built and shipped on flat-bed trucks in sections. They may also be located in a Mobile home park or on an owner’s land.
Modular homes are built to the same standard as site built homes but without the time or physical energy needed to build a complete home from scratch.
American Integrity Insurance Solutions is an independent insurance consulting agency that partners with dozens of carriers to provide people with unbiased advice on a variety of insurance products.
Our team is readily available to craft a policy that custom fits to your needs. We promise to not only provide a policy fulfilling your specific needs, but also to help you understand how and what it protects you against.