Most standard homeowners policies are written for site-built houses. Ask for a policy written for manufactured homes, and read what it covers.
The parts of a policy
- Dwelling. Covers the home itself. Ask whether a claim pays replacement cost (what it takes to repair or replace) or actual cash value (replacement cost minus depreciation). The difference on an older home can be large.
- Other structures. Decks, steps, carports, sheds, and fences. Make sure they’re listed.
- Personal property. Your belongings. A photo or video inventory makes claims much easier.
- Liability. If someone is hurt on your lot or you damage someone else’s property.
- Loss of use. Helps pay for somewhere to stay if the home can’t be lived in after a covered loss.
- Transportation or trip coverage. If you ever move the home, ask whether it’s covered in transit. Many policies need an add-on for this.
Often not covered, or covered separately
- Flood. Usually excluded. Look at the National Flood Insurance Program or a private flood policy.
- Earthquake. Usually an add-on.
- Wind and hail in some coastal and high-wind areas may carry their own, higher deductible.
- Wear and tear. A slow leak or an old roof generally isn’t covered. Maintenance still matters.
Questions to ask an insurer
- Is this a policy written for manufactured homes?
- Replacement cost or actual cash value on the dwelling? On my belongings?
- Are my deck, steps, shed, and carport covered?
- What’s the deductible for wind and hail?
- Does the home’s age, wind zone, or anchoring affect the price or coverage? Our tie-down guide shows where to find the wind zone.
- Are there discounts for smoke alarms, a newer roof, or bundling with auto?
Keep your records ready
- Photos of the data plate, the HUD label, and each room.
- Receipts for big purchases and improvements.
- Your policy, stored somewhere other than the home, like a cloud folder or with a relative.
Rates vary a lot between companies. Get at least three quotes, and compare the same coverage in each.
Common questions
Does lot rent include insurance on my home?
No. The community insures its own property. Your home and belongings need your own policy.
Is flood covered?
Usually not. Flood insurance is sold separately, including through the National Flood Insurance Program. New flood policies usually have a waiting period, so don't wait for a forecast.
Does my lender require insurance?
If you have a loan on the home, almost certainly. The lender will tell you the minimum coverage it needs.
This guide is general information, not legal, financial, or professional advice. Rules, codes, and laws vary by state and by community. When a job involves gas, electrical, anchoring, or structure, hire a licensed pro.