Manufactured Home Insurance

Everyone's insurance needs are different. That's why we provide a range of different policy types, all of which automatically include standard coverages, while also giving you the flexibility to add optional protection.

We would be happy to provide you a quote for affordable and competitively priced mobile home insurance. You can fill out the online form and receive the quote via email or you can download the Insurance Quote Request PDF form. Complete the form and fax it to us. We will process your request as quickly as possible.

Many of the coverages we offer are listed here. But, not every policy includes all of the coverages listed below. Coverage is only provided by your policy if it is specifically listed on your declarations page. We recommend that you talk to your agent about the specific coverages and limits you need.

Homeowner Coverages

Protection for the Home and Adjacent Structures. This coverage protects the home itself, as well as any equipment and fixtures that were part of the home when it was first built or purchased from the dealer. This coverage also protects any detached garages and sheds you own that are on your property.

Personal Property Protection. When this coverage is part of your policy, we automatically provide protection for certain types of personal property. We also offer increased coverage for special items typically limited or excluded in standard policies, such as jewelry, coins, and more.

• We Include: Protection for your personal property if it is destroyed or becomes unusable due to fire, theft, lightning, windstorm, tornado, hail, explosion, smoke, sudden plumbing leaks, vandalism and more.
• Optional Protection: Our optional scheduled personal property protection provides increased coverage for special personal property items such as jewelry, coins, collections and more.

Additional Living Expense. When this optional coverage is part of your policy, it helps pay your living expenses should your home become uninhabitable due to a covered loss.

Depreciation Protection. Sometimes settlement payments are subject to depreciation, which can make it hard to replace your home if it's completely destroyed by a covered peril. To help you recover from a total loss, we offer replacement cost coverage on select American Modern policies; ask your agent for details.

Coverage Before You Move In. An optional protection that's beneficial if you're putting your brand new manufactured home on your own property. It's called Builders Risk, and many loan companies and lenders require this type of coverage before they will give you a loan on your home. But even if they don't, it's good protection for you.

• As soon as your home loan is closed, this coverage provides protection for personal liability, theft of building materials and damage caused by site improvements.
• When the home is delivered to your property, the policy protects the home, adjacent structures and your personal property - even before the home is installed and ready for occupancy.

Fire Department Service Charge Coverage. If the fire department needs to come to your home, you are billed for the trip they make. This pays for that charge, to policy limits.

Emergency Removal Coverage. When a peril such as a hurricane threatens your home, you'll probably want to take some of your personal belongings to a safer location. This coverage pays the expenses to remove and then return your belongings back home after the storm has passed.

Trip Collision Protection for When You Move. Moving your home to a new location? There's always the possibility of having a collision accident along the way. Make sure you add this optional endorsement to your policy to protect against collision damage that could happen during the move.

Personal Liability. You could be held liable for an accident that causes property damage or bodily injury to another person. When this coverage is part of your policy, we will pay for the damages incurred and/or pay for someone to represent you in court.

Medical Payments to Others. If someone is hurt while on your property and needs medical attention, we will pay for their medical needs, to policy limits.