Manufactured and mobile homes are insured on specialized forms, not standard homeowners policies, because they are built and sited differently. Coverage accounts for the home’s construction, whether it is tied down, and whether you own the land or rent a lot in a community. We work with carriers that specialize in manufactured housing to cover the structure, your belongings, attached additions like decks and carports, and your liability — at a price that fits.
Who this is for
Single & double-wides
Manufactured homes of any age, owned outright or financed.
Owned-land owners
Home on your own acreage in the Hill Country or beyond.
Community lot renters
Home sited in a manufactured-home community on a rented lot.
What it covers
- Structure on a manufactured-home form
- Personal property and liability
- Attached additions: decks, carports, skirting
- Replacement cost options where available
- Tie-down and foundation considerations
- Coverage whether you own or rent the land
Why manufactured homes use a different policy
Mobile and manufactured homes are built and sited differently than site-built houses, so they’re insured on their own specialized forms — not a standard HO-3. The policy accounts for the home’s construction, how it’s anchored, and whether it could be exposed to risks like wind uplift. Trying to insure one on a regular homeowners policy usually means a decline or a claim denial, which is why we place these with carriers that specialize in manufactured housing.
What affects your rate
A handful of factors drive manufactured-home pricing and which carriers will write you:
- Age and condition of the home
- Single-wide vs. double-wide construction
- Tie-downs and anchoring — proper foundation/anchoring matters for wind
- Owned land vs. a rented lot in a community
- Attached additions like decks, carports, and skirting
Replacement cost vs. actual cash value
As with any home, how your policy values the structure makes a big difference at claim time. Replacement cost pays to rebuild or replace at today’s prices; actual cash value subtracts depreciation, which adds up fast on an older manufactured home. Where it’s available and worth it, we’ll steer you toward replacement-cost terms and explain the trade-off.