Mobile Home vs. Modular Home Insurance: What’s the Difference?

Understanding the differences between mobile home insurance and modular home insurance is crucial when insuring your home. Both types of homes offer unique benefits and challenges, and their insurance policies reflect these distinctions.

Mobile Home Insurance

Mobile homes, also known as manufactured homes, are built in factories and transported to their final location. They are typically placed on a temporary foundation, such as concrete blocks or metal piers. Because of their construction and mobility, mobile homes face specific risks that traditional houses do not. Mobile home insurance is designed to cover these unique risks, including:

• Transportation risks—Policies may include coverage for damages that occur while the home is being transported to its location.

• Foundation issues—This may include financial protection against damage related to the temporary foundation.

• Weather vulnerability—Mobile homes can be more susceptible to severe weather conditions, so insurance must include coverage for wind, hail and other weather-related damages.

Modular Home Insurance

Modular homes are also built in factories but differ significantly from mobile homes in their construction and placement. Modular homes are transported in sections and assembled on a permanent foundation at the final location. They are considered more like traditional homes in terms of structure and durability. Modular home insurance typically includes:

• Permanent foundation coverage—Since modular homes are placed on permanent foundations, insurance covers related damages.

• Standard home coverage—Modular homes are treated similarly to traditional homes, so the insurance policy often includes standard home coverage for fire, theft and liability.

• Customization options—Modular homes can be extensively customized, and insurance policies may offer coverage for these custom features.

Key Differences

The primary differences between mobile home insurance and modular home insurance lie in the foundation and transportation aspects. Mobile homes require coverage for transportation and temporary foundations, while modular homes need insurance for permanent foundations and standard home risks. Understanding these differences ensures you choose the right policy to protect your investment effectively.

Learn More

Contact Cashway Auto Insurance in Casa Grande, Arizona, today to learn more about mobile home and modular home insurance policies and find the right coverage.

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.