Mobile Home Insurance

What are the types of Mobile Homes?

Mobile Home:
  • Built prior to 1976
  • Does not adhere to a uniform construction code
  • Single or multi-section
  • Built on a permanent chassis 

After 1976, the department of Housing and Urban Development required that the construction of new homes be held to higher standard by adhering to federal building codes. This ushered in the era of what HUD defined as "manufactured home".

Manufactured Home
  • Built after 1976
  • Adheres to HUD code
  • Single or multi-section built on permanent chassis
  • Red and silver label affixed to home
Park Model (or Park Model Trailers)
  • Built on a single chassis mounted on wheels
  • Gross trailer area not exceeding 400 square feet
  • Typically they are not moved from place to place

Modular homes must comply with the same state, local, or regional codes as site-built homes. Because they must adhere to site-built construction codes they are not built on a permanent chassis. Instead, they are transported to the site in modules for installation by a licensed builder.

Modular Homes
  • Complies with the state, local or regional construction codes as site-built homes
  • Not built on a permanent chassis
  • Transported to the site in modules for installation by a licensed builder
Travel Trailer
  • Only available as a rental unit
  • Mounted on wheels
  • Designed for temporary recreational use such as camping and seasonal

What is Mobile Home Insurance?

Mobile homes are handled a little differently than site-built homes by insurance companies because they are not built onto a foundation. Modular homes, on the other hand, are typically treated more like traditional homes when it comes to buying insurance.
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No matter it’s construction, your home is important to you and your family and is likely your biggest asset. To protect this major investment, make sure you have the right coverage for your needs and budget. 

Contact us to learn more about the right Mobile Home insurance for you.

Source: https://www.trustedchoice.com/mobile-home-insurance/