Insurance for Mobile and Manufactured Home Owners in Pennsylvania.

Insurance policies for mobile homes or manufactured homes are designed to cover the unique needs of this style of property. Mobile home insurance policies address the risks and provide the right type of protection for your home.

What Insurance do Mobile Homes Need?

Whether you are downsizing to a mobile home, purchasing one as your first home, or buying a second residence, it’s important to understand how mobile homes are different from houses that are built on a permanent foundation site. Even if the home is your permanent residence in a fixed location where it is intended to remain forever, it is fixed to a steel chassis that differentiates it from a traditional house.

Mobile home insurance is similar to a standard homeowner policy in that it covers damages to the home and property, and it provides liability protection for injury or damage to another person’s property.

Although there are those similarities, mobile home coverage is not a typical homeowners insurance policy. Mobile homes have a different set of risks since they are smaller than permanent foundation houses. Smaller does not mean they are unsafe, however. In fact, these homes are built to strict specifications determined by the Manufactured Home Construction and Safety Standards, commonly called the HUD Code. The property coverage is also unique since many mobile home owners do not own the actual lot, but rather lease it from a community.

Your policy will be every bit as reliable as a standard homeowner policy; it will simply be specific to your style of home and its needs.

Is My House a Mobile Home or a Manufactured Home?

Mobile homes constructed before 1976 are called mobile homes. In 1976, the HUD Code was established, and mobile homes built since that time are officially called manufactured homes. The terms – mobile home and manufactured home – are interchangeable in casual language. But the date your home was built is very important for insurance purposes. If you live in a pre-1976 mobile home, we will help you explore your insurance options.

Modular homes are yet another type of pre-constructed house. They are usually bigger than a manufactured home, sometimes including a second floor, and they are designed to be delivered to a permanent foundation. For this reason, a modular home might fall under standard homeowner insurance.

Truly mobile homes such as RVs and campers that are intended for travel fall under a completely different insurance category. They are typically covered by auto insurance since their greatest need for protection is on the road.

Is Mobile Home Insurance a Requirement in PA?

Although Pennsylvania law does not require insurance for your mobile or manufactured home, other entities might. If you are financing your home, the lender could require insurance for the period of the loan. The manufactured home community that owns your lot might also require you to keep your home insured.

Regardless of the requirements, mobile home owners should personally consider insurance to be a necessity. If you lose your home and your personal possessions to a fire, theft, or some other damaging event, can you afford what comes next? Mobile home insurance allows you to replace your belongings, stay in a hotel or temporary residence while your home gets repaired or rebuilt, and covers your legal costs if you have any liability in the damaging event.

What Mobile Home Insurance Options are Available in Pennsylvania?

Mobile home insurance can be customized to each homeowner’s specific circumstances. Your coverage needs will depend on where your manufactured home is located, the year it was built, whether or not you have other structures attached to it, and your budget. Your agent will also need to review any minimums required by your lender or lot contract.

Standard policies do not cover damage caused by earthquakes or environmental flooding. They also don’t cover the home while it is being moved, either from the manufacturer’s plant or from one lot to another. An experienced agent will discuss these topics with you before they write your quote so that they can offer you any additional coverage that makes sense. As you settle into your home and add features like an awning, deck, or an attached shed, you can adjust your policy to protect your expanded property.

As an independent agency, Freedom Insurance Group helps manufactured home owners obtain a policy that fits their budget and their coverage priorities. We also review your insurance plan from year to year to make sure it’s still the right fit.

Our team serves residents in Northeast Philadelphia, Bucks County, Montgomery County, and New Jersey to help them protect their home and their lifestyle with effective mobile home insurance. As a local agency, we understand the main concerns and risks for where our clients live, and we offer policies that work well in this region. Give us a call at 215-673-0300 to start.

Freedom Insurance Group
215-673-0300

Office Hours
Monday–Friday 9:00 a.m.–6:00 p.m.
Saturday 9:00 a.m.–1:00 p.m.

Get Started Today

As an independent agency, we are here to help you find the right Mobile Home Insurance coverage.