Our programs accept all factory-built home, whether it is a single-wide, double-wide, triple-wide, or 2-story modular. Unlike others, we place no age restriction on your home and actually offer you valuable options.
Insuring manufactured homes and mobile homes has been at the heart of our agency’s business model for nearly 11 years.
Manufactured housing is much more varied than years past, but its insurance requirements are still different than a “site-built” home. Our programs are an excellent fit for both the latest modular designs as well as the classic mobile home.
Comprehensive protection – Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents.
Stated value loss settlement – For a total loss, we settle at the state value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.
Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.
Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.
Is your manufactured home not a full-time residence?
Manufactured housing is flexible and so is our program. We have programs for other uses and occupancies.
Rental – The rental program accepts residential and light commercial-use units.
Seasonal – Our seasonal program covers mobile homes that are used just part of the year.
Vacant – A vacant mobile home can be insured through our Vacant program.
Tenant – Renters insurance (HO-4) is an option for renters of a mobile home.