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For many families, a manufactured or mobile home represents an accessible and smart way to own a home. But these homes have unique characteristics — different construction, transit risk, and exposure to wind — that require a specialized HO-7 policy. A standard HO-3 won't apply.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Structure Protection
Covers the home itself plus permanently attached additions like decks, porches, and carports against fire, weather, and other named perils.
Personal Property
Protects your belongings inside the home — furniture, electronics, clothing, and appliances — on either Actual Cash Value or Replacement Cost basis.
Personal Liability
Protects you if someone is injured on your property or you cause damage to others. Includes legal defense.
Loss of Use
If your home becomes uninhabitable due to a covered loss, pays for additional living expenses (hotel, meals, storage) during repairs.
Trip Collision (In-Transit)
Specific to mobile homes — covers damage that occurs while the home is being transported to a new location.
Optional Add-Ons
Common endorsements for mobile homes.
What Many Mobile Home Owners Don't Know
Mobile homes need an HO-7 form — not the HO-3 used for site-built homes. Many carriers require tie-downs or skirting to qualify. Replacement Cost coverage is essential because Actual Cash Value depreciates the home heavily, leaving you well short of replacement at claim time.
Our Approach
It's not just about insuring you. It's about insuring you well.
Identify real risks
Understand your policy coverage
Design protection for your home type
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.