Mobile Home vs. Manufactured Home Insurance: Is There a Difference?

If you own a mobile or manufactured home, protecting your investment with the right insurance policy is essential. These homes are often more vulnerable to certain risks than traditional site-built houses, making customized coverage a smart move. But when you start comparing policies, you might wonder: Is there a difference between mobile home insurance and manufactured home insurance?

Mobile vs. Manufactured: What’s the Real Difference?

Despite the historical naming difference, insurance companies generally treat mobile and manufactured homes the same when it comes to coverage. So, whether your home is labeled mobile or manufactured, the insurance policy you need will look very similar.

What Do Policies Typically Cover?

A standard mobile/manufactured home insurance policy offers several key components:

• Dwelling coverage can financially protect the structure of your home from risks like fire and vandalism.
• Other structures coverage may cover detached buildings such as sheds, garages or fences.
• Personal property coverage can help pay to replace your belongings if they’re damaged or stolen.
• Liability coverage may help manage legal costs and third-party losses if someone is injured or their property is damaged in an incident for which you’re to blame.
• Loss-of-use coverage can pay for temporary housing and other additional living expenses if your home becomes unlivable due to a covered event.

Learn More

While the terminology might vary, mobile and manufactured home insurance policies are fundamentally the same. The key is understanding what’s covered and choosing a policy that fits your home and lifestyle.

At Select Insurance, we’re happy to help. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.