Manufactured Homes

What to Look for In Your Insurance Policy

Manufactured Home Insurance Designed for Your Needs

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When you purchase a manufactured home insurance policy, you’re looking to protect the home you live in, your belongings, and also to provide personal liability coverage for your family. What we offer is similar to a standard homeowner's policy but it is specifically written for manufactured (factory built) housing.

Commonly provided coverage will include:

Comprehensive protection.

Your manufactured home insurance coverage protects against a wide range of perils including fire, lightning, wind, hail, explosion, and burst water pipes. This kind of protection is sometimes referred to as “special form” coverage.

Protection for a total loss.

In the event of a total loss, you will be paid the stated value of your manufactured home as shown on your declarations page. While stated value provides adequate protection for many owners, you can upgrade your protection to replacement cost coverage.

Protection for a partial loss.

Some carriers provide Partial Loss coverage because most losses are partial. They pay the actual cash value (ACV) for a partial loss. Because ACV takes depreciation into account when settling your claim, you may want to upgrade your protection to replacement cost.

Personal liability.

If a guest (not a resident of your home) is injured in your home or if you accidentally injure someone or damage property belonging to someone else, you may be liable for those damages. Comprehensive Personal Liability coverage is offered in several coverage limits. You select the limit to fit your personal need.

Additional living expenses.

If you need to move out of your home because of damage by a peril covered by this policy,  this special coverage will help with the extra expenses you’ll have, such as lodging and meals.

Reimbursement for repairs. Most policies allow reimbursement for reasonable expenses for repairs you need to make to prevent additional damage caused by a covered loss like covering a roof after a storm.

Coverage for other structures.

Coverage for your shed or a detached garage can also be included

Depending on your policy language, you may see additional coverage options such as:

  • Collapse
  • Emergency Removal
  • Fire Department Service Charges
  • Antenna/satellite dish
  • Trees/shrubs/plants/lawns
  • Food Spoilage

Optional coverage

Some Policies may also include

Breakdown coverage.

What if any of your major appliances, heating, and air conditioning systems, or large electronics just stopped working? This option will cover repair or replacement. And if your specific policy does not include this coverage, we may have an individual Specialty Policy for your consideration that is designed to handle Mechanical Breakdowns separate and apart from your Hazard policy.

Earthquake, Hurricane, Flood

These hard-to-find coverages are included in nearly all states.

Plus additional Optional Coverages such as:

  • Scheduled personal property
  • Trip collision
  • Builder's risk

The list of included coverage and options varies depending on the intended use of your manufactured home. Take a look at our other pages if you need coverage for landlord rental properties or seasonal homes.

If you need something different

We will work with you to be sure that the coverage mix you select truly meets your needs and that you understand what coverage is excluded from your policy.

We can help you save

Because Western Insurance Agency works with a variety of insurance companies, we are positioned to place insurance on all kinds of factory-built homes. Take a look at our FAQ.

Get a personalized insurance quote from Western Insurance by calling 1-800-833-8071 Monday through Thursday, 8 am to 5 p.m. and Friday 8 am. to Noon CST. Or request your quote online or by faxing your request to 1-281-334-4921 or emailing [email protected]

Products, coverages, and discounts are not available to all persons, in all states or apply to all possible risks. Terms, conditions, and exclusions may apply. Rates are derived from a number of factors which can influence the price, discounts, and savings. Your rate may be higher or lower. Policies are subject to underwriting review and approval. Rates are subject to change.
“Some content on this page is copyrighted by American Modern Insurance Group and reproduced with their permission.”

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About the policy coverages described on this site:

Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverage described here, depending on the standard coverage included in your policy and the optional coverage you purchase.