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There are differences between mobile home insurance policies and site built home insurance policies.  If this is your first time purchasing a mobile or manufactured home, then it is worth studying the differences in the policies.  Below we will review several of the key differences as well as optional coverages.  Our team at Stratum can help you find a policy that is tailored to your needs.  There are many coverage choices that may be available to you.

What are some of differences between manufactured or mobile home insurance and regular (or site built) home insurance? How is manufactured home insurance different?


  • Actual Value Coverage is often quoted by default, which means that depreciation can apply.  Solution: Request replacement cost coverage. 

  • The rebuilding cost estimate may be lower than a site built home.
  • Personal effects of personal property coverage may be quoted at a lower amount. Solution: Request an amount more than the automatically included limit.
  • Coverage may be available for moving the building.
  • Flood coverage may be available as an endorsement (or additional coverage) on the same policy as the dwelling.

What about newer manufactured homes?

Homes that are 20 years or newer may be eligible for a more traditional homeowners policy, which could offer broader coverage.  In some cases the home will need to be affixed to a permanent foundation to qualify.  

What’s the difference between a mobile and manufactured home?

The answer has a lot to do with the date.  Generally, factory-built homes built before June 15, 1976 are called mobile homes, while after that date they are referred to as manufactured homes.


More Manufactured Home Insurance Information:




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