Mobile, Manufactured, and Modular Homes

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Like the saying goes, variety is the spice of life, and you may have heard different names used for your mobile home and homes like it over time.  In order to make sure you're getting the most bang for your buck when getting a mobile home insurance quote, you'll want to make sure that you're using the most accurate term.

The main thing you’ll need to figure out before getting a mobile home insurance quote is whether you have a mobile home (aka a manufactured home) or a modular home.  If you have a modular home you should get a quote for a standard homeowners policy.

Mobile And Manufactured Homes – Like Peas In A Pod

Manufactured homes have some common traits:

  • Usually built in a factory & taken to the property where they are set up
  • May be built on a metal frame instead of a crawlspace or basement
  • Sometimes have tie downs in place of a permanent foundation.

All of the above goes for mobile homes, too.  So what’s the difference?  It's all in the date.

Manufactured homes and mobile homes are both regulated by HUD, the Housing and Urban Development division of the federal government. According to HUD, a factory-built home prior to June 15, 1976 is a mobile home and one built after June 15, 1976 is a manufactured home.

Modular vs. Mobile – More Like Apples & Oranges

Modular homes are also built in factories and then installed on site, but the similarities start to fade after that.  They must comply with whatever local building codes are in effect for that state and county.  Panelized homes would also fall under this category.  Modular homes tend to have a few characteristics in common:

  • Often delivered in two or more pieces
  • Typically built on crawlspaces or basements
  • Usually look like traditional “stick-built” homes in both size and features.

Still Not Sure?

Look for a tag. Mobile and manufactured homes typically require a tag with renewal each year because they can be moved or relocated.

Our counselors are also always more than happy to help you figure out what kind of insurance is right for you, you can reach them at 800-841-2964.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.