Manufactured, mobile, and modular homes. These names are often used interchangeably, but there is a difference. While all three types of homes are built in a factory and transported to your home site, the differences are in the details. All of these types of homes can be insured, but they don’t all need the same type of home or manufactured home insurance policy. Do you know the difference between these types of homes? We are here to help you! Rancho Cal Insurance Services can help you get the coverage you want for your home, whether it’s a manufactured home, mobile home, or modular home.
What’s In A Name?
- Manufactured Home: Built to comply with HUD building standards. These homes will have a serial number and/or a HUD sticker on the home. If it’s built after June 15, 1976, it is considered a manufactured home. This home would need a manufactured home insurance policy, not a standard build home insurance policy.
- Mobile Home: Similar to the manufactured home mentioned above, but this home is older. If it was built prior to June 15, 1976, it is a mobile home. This home is also built to the HUD building standards. This home would also need a manufactured (mobile) home insurance policy, not a standard build home insurance policy.
- Modular Home: Unlike the other two types mentioned above, the modular home is built to the same standards as a standard build home. They comply with local & state building codes, not HUD building standards. This type of home would need a standard build home insurance policy, not a manufactured home insurance policy.
Manufactured home insurance is important because it provides coverage for your home & property. What type of coverage options are available on a manufactured home insurance policy? We are glad you asked!
Common Coverage Options Available for Manufactured Home Insurance:
- Dwelling: The amount of insurance coverage for your home. This can be calculated at Actual Cash Value or at Replacement Cost.
- Other Structures: Carports, sheds, detached garages.
- Personal Property: Coverage for your personal property.
- Liability Coverage: Coverage if you are responsible for someone else’s injury or damages.
- Medical Payments: Coverage may be available if someone is injured on your property.
- Additional Optional Coverages, including earthquake insurance, may also be available.
Manufactured home insurance policies are available whether the home is owner occupied or if it’s rented to someone else. If you are renting a mobile home, that’s okay too. Renters insurance policies are also available for manufactured homes.
Rancho Cal Insurance Services can help you with your manufactured home insurance policy anywhere in California. We’ve been helping our neighbors for many years in Temecula, Murrieta, Menifee, Hemet, and San Jacinto. We’d love to help you too. Give us a call, we are happy to answer any questions that you have about your manufactured home insurance.