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Manufactured Homes Insurance

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MHI Frequently Asked Questions

Actual cash value is the determined cash worth of your mobile home.

Market value is the determined value of your mobile home relative to prices of mobile homes in the market.

We can find your policies in the following states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Coverage Amounts and Deductibles
  • Home Age
  • Features and Materials
  • Location
  • Pets
  • Credit Rating

Replacement cost value is the determined value of your mobile home that the insurance provider is willing to pay for a loss.

There is no age limit for getting a manufactured home insured.

Just like standard home insurance, mobile home insurance is not tax deductible.

The amount of insurance you need depends on the price of your home, any attachments to the property, as well as any special amenities you may have.

Top manufactured home companies include:

  • Irontown Homes
  • Blu Homes
  • Modular Direct
  • Champion Homes
  • Nationwide Homes
  • Icon Legacy
  • Wardcraft
  • Palm Harbor Homes
  • Clayton Homes

There are a lot more risks to owning a mobile home than there are for a traditional site-built home. Their life span also isn’t as long as traditional homes and they require more maintenance. For this reason, it’s much tougher to finance a mobile home.

Even though manufactured homes are “mobile” they are meant to be permanent once they are placed on their designated sites.

A manufactured home is meant to be used as a permanent dwelling once it reaches it’s predesignated site.

Just like home insurance, mobile home insurance is required.

The main difference between Mobile Homes and Manufactured Homes are their regulations. Manufactured homes are mobile homes built after 1976 when the HUD changed their regulations for mobile homes.

A mobile home is a large house trailer that is parked in one particular place and used as permanent living accommodation.

A manufactured home is a type of prefabricated home that’s mostly built in a factory and then transported to a predesignated site for use.

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