Manufactured Home

This specialized policy is essential for several key reasons:

1. Protection for a Unique Structure

Manufactured homes, due to their construction and placement, can be more susceptible to certain types of damage, particularly from severe weather like windstorms and hail. This policy is written to cover the specific engineering of your home, including potential damage to the chassis, tie-downs, and skirting that a traditional policy would ignore.

2. Comprehensive Financial Security

Manufactured home insurance provides the core protections every homeowner needs to safeguard their financial future:

• Dwelling Coverage: Pays to repair or replace the physical structure of your home after a covered loss (like fire, theft, or vandalism).

• Personal Property Coverage: Covers the cost of replacing your belongings inside the home—including furniture, electronics, and clothing—if they are stolen or damaged.

• Liability Coverage: Protects your assets if you or a member of your household are found legally responsible for injury or property damage to others (e.g., a guest is hurt on your property).

• Additional Living Expenses (ALE): Covers the cost of temporary housing and increased living expenses (like meals and laundry) if a covered event forces you out of your home during repairs.

3. Protection from Financial Loss

If you have a mortgage or lien on your manufactured home, your lender will almost certainly require you to carry this specific insurance to protect their investment. Even if you own your home outright, facing the full cost of replacing a structure and all its contents after a total loss event could be financially devastating. Manufactured home insurance provides the peace of mind that your investment—and your home—can be rebuilt.

We ensure your policy provides the most crucial protection for a manufactured home: Replacement Cost Value (RCV), which pays the cost to replace your home and possessions with new ones, rather than the lower, depreciated Actual Cash Value (ACV).