Mobile Home Insurance

Mobile homes are a cost effective way for many people to become homeowners. Often times, mobile homes are far less expensive than a regular home but offer benefits similar to owning a single family home. Just because your mobile home costs less than a typical home does not mean it is not your most valuable asset. Also mobile home insurance policies cover adjacent structures which are not necessarily connected to your mobile home. These can include the patio, garden, or garage. However, several mobile home insurance policies do not include coverage to the mobile home while it is being transferred from one location to another.

  • Modular homes: These are pre-fabricated homes that are transported in pieces and constructed (or put together) by contractors at the site. These homes are usually assembled to a permanent foundation.

If you own a modular home, you should get a quote for a standard home insurance policy. However, if you own a mobile or manufactured home, you may need a manufactured home or mobile home insurance policy. If you’re not sure which type of mobile home you own, check your home’s information tag or contact an insurance agent.

  • Mobile or manufactured homes: These are homes that are constructed entirely in a factory and are fixed on a permanent steel chassis. They are towed to the site, and are not attached to a permanent foundation.

If you are a new mobile home owner, you may not be aware that mobile homes require a different type of homeowners insurance coverage. Mobile homes need a specialized coverage type because they are transmittable and constructed differently than ordinary homes.

Kerrigan, O’Malley & Bailey Insurance Agency has experienced professionals that will shop around to find you an affordable insurance policy on your next mobile home policy. Leave the insurance to us and protect your home and the assets under its roof. We will provide you with quick and accurate mobile home insurance quote.