True or false: Homeowner’s insurance is self-explanatory – as a matter of fact the definition is right there in the name! Stick-built or not, insurance your mobile home is the last thing that should be on your mind when living in a land-lease manufactured home community.

As you may have guessed, the above statement is false. Finding a suitable insurance policy for your mobile, modular, or manufactured home is a different process than insuring a traditional, site-built home where the underlying land is owned by the homeowner.

This is because mobile, manufactured, and modular homes all require different policies than traditional homes. Requirements for these policies vary from state to state. However, even when insurance isn’t legally required by the state, your mortgage company and/or mobile home park may require proof of insurance. 

Aside from whether or not insurance is required, it is always a wise choice to protect your home, your belongings, and sometimes your guests, from a number of risks. Insurance is an important investment and the best way to safeguard yourself, your home, and your family against a big financial loss.

What’s the difference between modular, manufactured, and mobile?

While the terms “modular”, “manufactured”, and “mobile” homes can appear to be used interchangeably, it can be useful to be clear about the differences between them. Modular homes are generally built in factories in multiple pieces, then assembled onsite. Modular homes can look like traditional homes because they are usually constructed on permanent foundations.

“Mobile” and “manufactured” homes are also constructed in factories. These homes, however, typically are built on a metal frame and are usually delivered in one piece to their site. They can sit on non-permanent foundations, and be moved several times. The difference between “mobile” and “manufactured” is an important technicality: a “mobile” home is one built before 1976, when the US government instilled regulations on this type of housing, through the Department of Housing and Urban Development (HUD). The term “manufactured home” is used to describe homes built this way after 1976.

For this reason, we will use the term “manufactured home” to refer to these chassis-built homes. Getting insurance for older mobile homes is possible, but can be quite costly, and require the assistance of an independent agent.

What is covered by manufactured and modular home insurance?

In an insurance policy for manufactured and modular homes, expect to see what you would find in a typical homeowner’s policy. Of course, the terms of coverage will vary from policy to policy, as well as between companies. This is why it’s important to read carefully and to choose a company that offers thorough policies for just your type of housing.

While many of the large insurance companies offer policies for manufactured and modular homes, several of them outsource these policies to other companies.

How Covertree plans to disrupt mobile home insurance.

You deserve to buy a policy from a company that knows the ins and outs of manufactured and modular homes. That’s why we have partnered with Covertree, which offers only policies on single, double, and triple wides, modular homes, and tiny homes.

Because Covertree focuses on just these types of homes, you will be able to find a policy that is thoughtfully crafted with your needs in mind. Also, because Covertree serves only nontraditional housing, you can find the best policy at the best price, because.

Dwelling coverage:

Dwelling coverage compensates you to do any necessary repairs or replacements on the structure of your home, in the event of damage caused by events that your policy covers.

These events may include, but are not limited to:

  • Weather related issues: ice/snow damage or collapse, wind and hail, or burst pipes.
  • Vandalism
  • Explosions
  • Fire, either caused by lightning or accident.
  • Damage from wild animals.

Liability Protection:

If someone is injured on your property, you could be held liable. For this reason, liability protection is an excellent safeguard against financial loss in this type of circumstance. With liability protection, your legal fees, and any necessary damages paid, would be covered by your insurance company. As with all types of protection, the amount which your insurance company would offer financial protection would depend on your coverage limit.

Personal Property:

Personal property coverage will protect your belongings, in the event that they are damaged or stolen. The amount of coverage your insurance company will provide will depend on the value of the item and the amount of deductible you have selected for your policy.

Other coverage and protections:

Depending on the policy, as well as your individualized situation, these insurance policies may provide coverage for additional permanent structures that are on your property, like garages or sheds.

Some policies offer additional living expenses in the event that you have been displaced from your home as the result of a covered loss. In this event, you would receive compensation for additional expenses while living elsewhere, up to your coverage limit.


Some of the services featured here are from partners who compensate us. This may influence the products we write about and where the serivice is presented on a page. This does not influence our evaluations. Our opionions are our own.