Manufactured homes are treated differently than stick built homes both for financing and insurance purposes. This is because for years manufactured homes were viewed as personal property and not real estate. The basis for depreciation and therefore the method of computing replacement cost are also different. As an owner of a manufactured home, you want to ascertain that you have the property coverage based on what you own and where.
The components of manufactured home policy follow the same guideliness as a standard HO3 homeowner’s policy in most cases. The provisions cover your home, its contents and you in the event of a loss where you injure someone else at your homeor damage
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