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    Manufactured Home Insurance Coverage

    Build a custom manufactured home insurance policy that fits your needs.

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    Standard Manufactured Home Insurance

    Our standard manufactured home insurance helps protect you, your home and your belongings from the unexpected.
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    What does a standard manufactured home insurance policy cover?

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    Standard Manufactured Home Insurance Coverages

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    Coverage for Your Manufactured Home

    Dwelling coverage (Coverage A) protects your home – such as your roof, walls, floor, siding and windows.
    You have a small kitchen fire. This portion of your manufactured home insurance policy helps you cover some of the repair costs up to your covered limits.
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    Coverage for Other Structures

    Other structures coverage (Coverage B) protects structures such as detached garages, sheds, fences or pools.
    The new fence you built was damaged in a windstorm. This portion of your manufactured home insurance coverage can help you cover some of the damages up to your policy limits. You can optionally add more coverage as well.*
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    Coverage for Your Things

    Personal property coverage (Coverage C) helps replace or repair items such as clothing, jewelry, appliances, furniture and electronics.
    Your home is burglarized while you’re away. Some of your prized possessions are stolen, including your jewelry. This portion of your manufactured home insurance can help you replace your valuables up to your coverage limits.
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    Coverage for Living Expenses

    Loss of use coverage (Coverage D) helps pay for expenses such as hotel stays and food should your home become unlivable.
    A windstorm strikes your home causing extensive damage, and you need to find somewhere else to stay while repairs are made. This portion of your manufactured home insurance can help you pay for expenses such as accommodations and food costs up to your covered limits.*
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    Coverage When Accidents Happen

    Personal liability (Coverage E) provides financial protection for property damage and injury to others.
    A friend is accidentally injured in your home while visiting. This portion of your manufactured home insurance can provide you with some financial protection from resulting costs that may occur.*

    Manufactured Home Insurance Add-Ons

    Get more peace of mind with these optional manufactured home insurance coverages.
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    *This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

    Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.

    **Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.

    ***Sump pump and water backup coverage won’t cover things like flooding from a river rising nearby or rain leaking in through the foundation and causing damage. Talk to your insurance agent to best understand the limitations of this type of coverage and understand if it’s right for you. Coverage provided once policy deductible has been paid and only up to your policy limits. Refer to your policy for specific coverage details and exclusions.

    †Equipment Breakdown coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.

    ‡Diminishing Deductible does not apply to all property deductibles. Named storm deductible applies only to GA. Policy maximum limits are $1000 for homeowners and $500 for renters, condo and manufactured homeowner policyholders. This coverage is not available in MN at this time.