Manufactured Homes Insurance

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Manufactured Home Insurance Options

If you own a manufactured home, then you probably already have manufactured home insurance. But, do you know if you’re paying too much? At SkyBlue Insurance, we can help you find the best rates on insurance for manufactured housing. We are an agency that represents Foremost Insurance, and we can ensure that you get the best coverage options at great prices. Some coverage options that come with a Manufactured Home Insurance policy include:

For more information, you can give us a call at
1-800-771-7758 or you can request a free Manufactured Home Insurance quote for instant results!

Comprehensive Protection

The most common type of manufactured home insurance coverage. It protects your home and the other structures on your property, as well as your personal belongings, from all risks, other than specific exclusions that are listed in your policy.

Stated Value Loss Settlement

This means that the insurance provider assigns your item a value that is less than its real value, which usually allows you to have a lower premium. In the event of a loss, the manufactured home insurance provider will generally reimburse you based on whichever value is lower.

Liability Coverage

Personal liability insurance pays if a visitor is hurt and sues you, or you accidentally cause property damage or injuries to others. It may also cover related legal expenses.

Personal Property Coverage

Personal Property Coverage pays to repair or replace electronics, furniture, and other belongings if there is any type of damage or stolen from your home.
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Manufactured Homes vs Mobile Homes

Manufactured homes are modernized upgrades to mobile home trailers. The main difference between Manufactured Homes and Mobile Homes is their regulations. Modern manufactured housing must comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. These codes set minimum and maximum requirements for the construction of manufactured homes.

Manufactured Homes

Manufactured Homes usually come with more land and attachments than archaic mobile homes. Manufactured homes can come with lawns, plants, advanced plumbing and electrical systems, and multiple stories. Mobile Home trailers are usually on wheels and can be easily hitched and transported. Manufactured homes are usually anchored to the ground and meant to stay in place permanently.

HUD Manufactured Housing Standards

When renting or purchasing a manufactured home, be sure all of the HUD- Manufactured Housing Standards are met. If the home isn’t up to code, you will be required to make the proper repairs before you move in. These repairs may be expensive. That’s why you should obtain Manufactured Home Insurance.

  • Minimum Floor Space: 400 ft²
  • Minimum Ceiling Height: 7 feet
  • Minimum Ceiling Height in Hallways: 6.5 ft
  • Minimum of 2 outside doors that are at least 12 ft apart for single-wide and 20 ft apart for double-wide
  • Minimum one window in each bedroom
  • Bedrooms for one person must have at least 50 ft² of floor space; for two people: 70 ft²

Explaining the Costs of Manufactured Home Insurance

Though Manufactured Homes cost less than standard homes, they a relatively more expensive to insure. They are also much quicker to build, but not durable in extreme situations. For this reason, manufactured home insurance cost much more than regular home insurance.

Because of the way they are made, many manufactured homes are not as durable as traditional stick-built homes mainly because they are not securely anchored. Their weight makes them weak in resistance to high winds and floods.

Even though manufactured homes are more vulnerable than standard homes, they are still a great investment and a comfortable, lucrative living option. We can help you find the best rates from Manufactured Home Insurance. You can get instant results when you request a free Manufactured Home Insurance quote!

We at SkyBlue Insurance want to help you find the best Manufactured Home Insurance to fits your needs. If you have questions about coverage options, rates, and policies, our knowledgeable agents will assist you. You can also request a rapid Manufactured Home Insurance quote and get instant results for free!

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