What Makes Mobile Home Insurance Different?

Manufactured home insurance, also known as mobile home insurance, is different from regular homeowner's insurance (often referred to as traditional or standard homeowners insurance) primarily because it is designed to cater to the unique characteristics and risks associated with manufactured or mobile homes. Here are the key differences between the two:

1. Property Type:

   • Manufactured Home Insurance: This type of insurance is specifically tailored to protect manufactured or mobile homes. Manufactured homes are built in a factory and then transported to a specific location, as opposed to traditional homes, which are built on-site.

   • Homeowners Insurance: Homeowners insurance is intended for traditional houses, condos, townhouses, and other site-built residential structures. It covers both the structure of the home and personal belongings inside it.

2. Coverage Options:

   • Manufactured Home Insurance: These policies are customized to address the unique needs of mobile homeowners. Coverage typically includes protection for the mobile home itself, personal property, liability, and sometimes additional coverage for structures like detached garages or sheds.

   • Homeowners Insurance: Homeowners insurance policies generally offer a broader range of coverage options. In addition to covering the dwelling and personal property, they often include coverage for additional living expenses if your home becomes uninhabitable, medical payments, and more extensive liability protection.

3. Cost:

   • Manufactured Home Insurance: Mobile home insurance is often more affordable than homeowners insurance because the cost is typically based on the lower value of manufactured homes compared to traditional houses.

   • Homeowners Insurance: Homeowners insurance can be more expensive due to the higher property values and construction costs associated with traditional homes.

4. Specific Mobile Home Coverage:

   Manufactured home insurance may include coverage options that cater to the unique risks associated with mobile homes, such as:

   • Trip Collision Coverage: This covers damage that may occur while your mobile home is in transit or being moved to a new location.

   • Displacement Coverage: It helps with the costs of temporarily relocating and living elsewhere if your mobile home becomes uninhabitable due to a covered event.

   • Anchoring Coverage: Mobile homes must be securely anchored to the ground to withstand wind and weather events. Some policies offer coverage for damage resulting from inadequate anchoring.

Barber Insurance Agency specializes in mobile home insurance policies for our Northern California community. Got questions about an upcoming move or changing your current coverage? Give us a call! 707-526-7900