If your home is factory-built, a specialized home insurance policy from A.Neto Agency can help protect your investment. This coverage is designed to safeguard your home and belongings against unexpected events, giving you peace of mind and financial security.
If you own a prefabricated home—whether mobile or manufactured—you need specialized homeowners insurance to protect against the unique risks associated with your home. In the event of disasters like windstorms or fires, this type of coverage can help safeguard your home, belongings, and other structures on your property from loss or damage.
What Does Mobile and Manufactured Home Insurance Cover?
Homeowners insurance for mobile and manufactured homes—factory-built homes transported to a designated site—offers similar protections to site-built home insurance. A typical policy from A.Neto Agency may include:
✔ Coverage for the Home’s Structure – Protects your home against covered damages.
✔ Personal Property Coverage – Helps replace belongings if they’re damaged, stolen, or destroyed.
✔ Other Structures Coverage – Covers structures like sheds, decks, or garages on your property.
✔ Liability Protection – Helps protect your finances if you’re held responsible for property damage or injury to someone else.
Types of Coverage for Mobile and Manufactured Home Insurance
Mobile and manufactured home insurance is similar to standard homeowners insurance and typically includes the following key types of coverage:
✔ Dwelling Coverage – Helps pay for repairs or rebuilding your manufactured home if it’s damaged or destroyed by a covered event, such as a windstorm or fire.
✔ Personal Property Coverage – Helps repair or replace your belongings if they are damaged or stolen. This includes furniture, electronics, clothing, and other valuables.
✔ Liability Coverage – Protects your financial assets if you are found responsible for injuries or property damage to others. It can help cover legal fees, medical expenses, and settlements.
For personalized protection that fits your needs, contact A.Neto Agency to explore the best insurance options for your manufactured or mobile home.
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What Is the Difference Between Mobile and Modular Home Insurance?
While modular, mobile, and manufactured homes share similarities in being factory-built, their construction and insurance requirements differ.
Modular Homes
Built in sections inside a factory, modular homes are transported to a building site and assembled on a permanent foundation. They must comply with state and local building codes and are typically eligible for standard homeowners insurance, similar to site-built homes.
Mobile and Manufactured Homes
Mobile homes, built before June 15, 1976, were constructed without the strict safety regulations that later defined manufactured homes. After that date, new federal building and safety standards were introduced, and these homes were officially categorized as manufactured homes, requiring them to be built on a permanent chassis.
What About RVs?
While the term mobile home is sometimes confused with RVs (recreational vehicles), they are different. RVs are motorized vehicles with living spaces attached and require a specialized RV insurance policy rather than mobile home insurance.
Underinsured Motorist Coverage steps in when the at-fault driver has insurance but not enough to fully cover your medical or repair costs.
