Mobile Home Insurance

Mobile home insurance, also known as manufactured home insurance, may cover damage to your home, personal belongings, and liability claims if you are found responsible for a visitors injuries. The only difference between the two types of homes is the date they were built. According to HUD, a factory built home made before June 15, 1976 is a mobile home and one built after June 15, 1976 is a manufactured home.

It is much like a standard homeowners insurance policy in the sense that it provides financial protection in the event that your home is damaged. Mobile home insurance is considered a specialty insurance product. Due to their unique construction and vulnerability to certain weather, mobile homes / manufactured homes typically don’t qualify for traditional homeowners insurance. Instead, you need to look into mobile home insurance.