What Makes Mobile Home Insurance Different From Traditional Homeowners Insurance?

Understanding the right insurance for your home is essential, especially if you own or are considering purchasing a mobile or manufactured home. Owners of these residences often face unique risks and coverage needs compared to those with traditional, site-built homes. Given these potential complications and nuances, it’s important to enlist the assistance of a knowledgeable insurance professional, such as those at Select Insurance.

Key Differences in Coverage

Mobile home insurance is designed specifically for the structure and lifestyle of manufactured and mobile homes. While both mobile home and traditional homeowners insurance policies typically offer financial protection for structures, personal belongings and potential liabilities, there may be some differences. Consider the following:

• Construction and risk factors—Mobile homes are built differently than site-built homes, often making them more vulnerable to certain risks like wind, hail and fire. Insurance policies for mobile homes take these factors into account, offering coverage tailored to these exposures.
• Policy structure—Mobile home insurance policies may include coverage for transportation or relocation, which is not typically found in standard homeowners policies. This can be especially important if your home needs to be moved due to repairs or severe weather.
• Policy requirements—Given mobile homes’ greater susceptibility to certain risk factors, insurers may mandate tangible precautions before agreeing to insure them. For example, some carriers may require the use of approved tie-downs.

How to Find the Right Coverage

If you own a mobile home in Anderson, SC or are looking into purchasing one, our team at Select Insurance is here to help you navigate your insurance options. Contact us today to discuss your coverage needs, compare personalized quotes and secure an ideal policy.

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.