Most manufactured home insurance policies are very similar to a typical single-family home policy. They cover the structure of the home, your personal belongings, and liability, to name a few coverages. However, these policies may have more restrictions regarding the type of losses they cover.
In most cases, the reason you need a different policy for a manufactured home is because the utilities in the home are not up to state code. Manufactured homes have a different code they follow for utilities, including elective plumbing and heating, called the HUD code, which is set by the U.S. Department of Housing and Urban Development and supersedes local building codes. This is why most insurance companies have a specific type of policy for manufactured homes.