Mobile and manufactured home insurance
This line is underwritten almost entirely on the year of manufacture, the anchoring, and the roof. Get those three documented and the market opens up considerably.
Sa sa touche
- The home itself, at either replacement cost or stated value depending on age
- Other structures: carports, screen rooms, sheds, which take wind damage first
- Contents, liability and loss of use
- Trip collision, which covers the unit while it is being moved
Tie-downs and the wind question
Anchoring is what carriers ask about first, and an inspection confirming the tie-down system meets current standards is often the difference between a quote and a decline. Wind coverage on older units is sometimes excluded from the base policy and bought separately, and you need to know which of the two you are being offered.
What moves the premium
- Year of manufacture, with sharp thresholds rather than a smooth curve.
- Anchoring and tie-down documentation.
- Roof age and covering.
- Whether the unit sits in a park, and what that park requires you to carry.
Stated value is not replacement cost
Many older units can only be insured at an agreed stated value, which is what the policy pays regardless of what a replacement costs today. That is not a trick, it is a market reality, and it needs to be said before you buy rather than discovered at claim time.
Si ou nan youn nan sitiyasyon sa yo
Kesyon moun poze vre
My park requires liability only. Is that enough?
It is enough to satisfy the park. It does nothing for the home itself, which is the asset you actually own.
Work it out before anybody sells you anything
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