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coverage

Information that helps you plan, prepare and protect.

Manufactured Home or Mobile Home

Although manufactured homes, once commonly referred to as mobile homes, are built in a factory and then moved to a chosen location, they are not much different than a single-family dwelling — even when it comes to insurance. Whether you live there year-round or seasonally, the policy needs to be specifically designed to fit your unique needs to protect your valuable investment.

Dwelling Coverage

Covers the physical structure of your Manufactured or Mobile Home home, like the walls and roof.

Personal Property

Covers your personal property inside the home like furniture and stereos, even if they are damaged or stolen outside the house.

Other Structures

Covers the physical structure on your property that are not attached to your mobile home, like a garage, or storage shed.

Guest medical coverage

Covers the cost of medical expenses for a person who is injured on your property.

Liability coverage

Defends and covers you in someone sues of files a claim against you after being injured on your property or you damage someone else’s property.

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Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

Maria Marlin Retired Govt Officer, ON, Canada
Client Logo

Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

Maria Marlin Retired Govt Officer, ON, Canada

What happens if...

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The coverage you need for mobile and modular home is similar to a traditional home. The structure of the policy and amount of coverage needed will depend on the size and value of the home, whether you own the land the home is built on and the risks in the area, among other factors.

These two types of insurance have different cost structures because of the differences in the types of homes they insure, and rates can vary widely from state to state. Because mobile and manufactured homes tend to have lower overall value than a modular or traditional home, their insurance costs tend to be lower.

Manufactured and modular home insurance is offered through many companies, just like traditional homeowners insurance. You can get quotes and buy policies online with ease, and you can also get additional guidance from a CSIA agent specialist to help you.

The basic types of coverage may include: Mobile Home Liability Coverage: Covers you if a visitor on your property gets injured due to your negligence, or if you damage someone else's property and you are taken to court Property damage: Covers any significant loss to your property that requires repair Personal property: Covers your belongings in case of burglary or theft, as well as damage or loss due to weather events or disasters like fires, tornadoes or falling objects

Many insurance policies cover disasters like wildfires, but in high risk areas such as drought areas or densely forested regions, some policies exclude this coverage. Always check to see that your policy does not specifically exclude wildfire risk. The coverage may pay for reasonable lodging, meal and travel costs during the evacuation period. It may also provide coverage if your home suffers damage from a wildfire.

You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.

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