What does manufactured home insurance cover?

My parents are thinking of buying a manufactured home. What will insurance cover for them?

Answer
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.
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Savannah Grabek
Answered on Mar 12, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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