What Is the Difference Between a Mobile Home and a Standard Home Insurance Policy?

Understanding the right insurance for your property is essential, whether you own a mobile home or a traditional house. At Providers Insurance, we know that choosing the right policy can be confusing, especially with the unique risks and requirements each type of home may present. Our team is standing by to offer guidance.

Coverage Differences

Mobile home insurance and standard home insurance can both financially protect your home, belongings and financial interests, but they are generally designed for different types of structures:

• Mobile home insurance—Specifically tailored for manufactured or mobile homes, this type of policy can cover many risks, including those that may be unique to these residents, such as anchoring requirements. Damage sustained while the home is being transported to its lot may also be covered, although an endorsement may be necessary.
• Standard home insurance—Designed for homes built from the ground up at their permanent location, these policies can provide robust coverage for the dwelling itself, as well as outlying structures (e.g., detached garages and sheds). They may include various options for endorsements and higher coverage limits relevant to a site-built home.

Protection and Exclusions

While both policies can financially protect against various common risks, such as fire, theft and certain weather events, there are important distinctions and limitations of which you should be aware. Consider the following:

• Mobile homeowners may need to navigate more exclusions regarding water damage, windstorms or roof collapse, depending on their construction and location.
• Standard home insurance often has fewer exclusions, but it’s still important to review your policy for possible gaps, such as personal property coverage limitations.

How We Can Help

Our team is well-equipped to guide you through the differences between mobile home and standard home insurance, explaining your options and securing a suitable policy at an ideal rate. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.