Are manufactured home structures covered by standard homeowner's insurance?

Manufactured home structures typically require specialized coverage rather than being covered under a standard homeowner's insurance policy. This is due to the unique nature and construction of manufactured homes, which can differ significantly from traditional site-built homes. Standard homeowner's insurance is designed primarily for conventional homes and may not adequately address the specific risks associated with manufactured homes, such as their potential vulnerability to certain types of damage or the distinct regulatory and valuation factors that apply.

While some policies may offer limited coverage for manufactured homes, the general expectation is that these homes will need a specific type of policy, often referred to as mobile home insurance or specialized manufactured home insurance. This type of coverage is tailored to reflect the realities of insuring manufactured dwellings, addressing common issues such as additional coverage for the home’s structure, personal property, liability, and more, which are not typically included in standard homeowner policies. Understanding this distinction is crucial for ensuring adequate protection for the unique aspects of manufactured homeownership.