Manufactured Home Insurance

‘Manufactured home’ is sometimes used as a synonym for ‘mobile home’ and sometimes used for what we used to call ‘pre-fab’ home. Since all insurance is state-regulated, you would need to check with your agent to see what constitutes a ‘manufactured home’ in your state. A ‘pre-fab’ house, that is, one whose major sections are built in a factory and then assembled on site on an ordinary foundation or cellar, may be considered a regular house. Its sections are assembled using the same techniques as in house construction and it’s delivered in flat sections stacked onto the transport. It could be insured as if it were an ordinary, site-built house.

What we call a ‘mobile home’ is actually built in the factory in whole sections which may even be furnished. The sections are set on axles and wheels and pulled to their new locations where they are quickly assembled and ready to live in. They are built to different specifications than a house. They are rarely moved from their first set-up, but often re-sold where they are. They may be subject to vehicle registration in your state. You need to consult with your agent about the specific type of insurance you need for your home.

If you have safety and security features beyond what, if anything, is required in your state, you may get a lower rate. It doesn’t hurt to ask. Also, look for an insurer familiar with the necessary policies. If your home was manufactured before 1976, you may have to pay higher premiums. After 1976, manufactured homes had to meet standards set by the Department of Housing and Urban Development (HUD) which required certain increased safety standards in materials and construction.

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