Specialized Coverage Since 1969
Manufactured Home Insurance in New York
Your manufactured or mobile home deserves the same protection as any other home. We offer specialized coverage designed for factory-built housing.
- Single & Double-Wide Coverage
- Park or Private Land
- Replacement Cost Available
- Park or Land
- Coverage options for homes in communities or on private property
- 1976
- Year HUD code standards began
Standard Homeowners Policies Often Don't Cover Manufactured Homes
Many standard homeowners insurance policies exclude or don't adequately cover manufactured homes. Without appropriate specialized coverage, you could face gaps in protection—especially for risks unique to factory-built housing like wind damage, transportation issues, and foundation requirements. We offer specialized policies designed specifically for manufactured and mobile homes.
What Is Manufactured Home Insurance?
Manufactured home insurance is specialized coverage designed for factory-built homes—including mobile homes built to HUD code (after June 15, 1976) and modern manufactured housing. It protects your home's structure, your personal belongings, and provides liability coverage if someone is injured on your property.
Unlike standard homeowners insurance, manufactured home policies account for the unique construction methods, materials, and risks associated with factory-built housing. This includes considerations for how the home is anchored, whether it's on a permanent foundation, and specific wind resistance requirements.
Whether your manufactured home is in a park community or on your own land, whether it's a single-wide or a spacious double-wide, we can help you find coverage that fits your specific situation.
Types of Homes We Cover
- Single-wide manufactured homes
- Double-wide manufactured homes
- Triple-wide units
- Mobile homes (pre-1976)
- Park model RVs (some carriers)
- Modular homes (may qualify for standard coverage)
Understanding Factory-Built Home Types
The terms "mobile home," "manufactured home," and "modular home" are often used interchangeably, but they have important differences that affect your insurance options:
Manufactured Homes
Built after June 15, 1976 to federal HUD code standards.
- ✓ Built entirely in a factory
- ✓ Transported complete on chassis
- ✓ HUD certification label required
- ✓ May be on temporary or permanent foundation
Most common type requiring specialized insurance
Mobile Homes
Built before June 15, 1976 (pre-HUD code).
- • Older construction standards
- • May have limited insurance options
- • Often only ACV coverage available
- • May require inspection
Coverage can be harder to find but we have options
Modular Homes
Factory-built to local/state building codes.
- ✓ Transported in sections, assembled on-site
- ✓ Placed on permanent foundation
- ✓ Built to same codes as site-built homes
- ✓ Often qualifies for standard homeowners
May qualify for traditional homeowners policy
What Manufactured Home Insurance Covers
Typically Covered
- Dwelling Coverage: Protects the home structure against fire, wind, hail, lightning, and other covered perils.
- Personal Property: Covers furniture, appliances, clothing, and belongings inside the home.
- Liability Protection: Covers you if someone is injured on your property or you damage someone's property.
- Additional Living Expenses: Pays for temporary housing if your home is uninhabitable due to a covered loss.
- Other Structures: Covers detached garages, sheds, and fences on your property (if you own the land).
- Medical Payments: Pays minor medical expenses for guests injured on your property, regardless of fault.
Common Exclusions
- Flood Damage: Requires separate flood insurance policy (NFIP or private).
- Earthquake: Must be added as an endorsement or separate policy.
- Wear and Tear: Normal deterioration, maintenance issues, and aging.
- Vacant Home Losses: Coverage may be limited or excluded if home is vacant 30-60+ days.
- Intentional Damage: Damage you or household members cause intentionally.
- Damage During Transport: Unless specifically covered, damage while moving the home is excluded.
Covered causes and exclusions vary by carrier and policy. Always refer to the policy as issued for the controlling terms.
Not Sure What Coverage You Need?
We can help you understand your options and explore coverage that may fit your manufactured home.
Coverage Options to Consider
Beyond basic coverage, consider these options based on your situation:
Replacement Cost vs. Actual Cash Value
Replacement Cost (Recommended)
Pays to replace your home with a new one of similar size and quality—no deduction for depreciation. More expensive but provides better protection, especially for newer homes.
Actual Cash Value (ACV)
Pays replacement cost minus depreciation. Lower premiums but you receive less at claim time. May be the only option for older homes.
Additional Coverage Options
- +Trip collision - Covers damage while home is being moved
- +Scheduled personal property - Extra coverage for valuables
- +Water backup - Sewer and drain backup coverage
- +Identity theft - Help recovering from identity theft
- +Umbrella liability - Extra liability above policy limits
- +Flood insurance - Separate policy for flood damage
What Affects Your Premium
Several factors influence your manufactured home insurance cost:
Factors That May Increase Rates
- ↑Older home (especially pre-1976)
- ↑Single-wide construction
- ↑No permanent foundation
- ↑High-risk area (flood, wind, crime)
- ↑Prior claims history
- ↑Lower credit score
- ↑No smoke detectors or safety features
Factors That May Reduce Rates
- ↓Newer home (post-1976 HUD code)
- ↓Double-wide or larger
- ↓Permanent foundation
- ↓Proper tie-downs/anchoring
- ↓Security system/smoke detectors
- ↓Claims-free history
- ↓Higher deductible
Getting Pricing for Your Home
Premiums vary based on your home's type and size (single-wide vs. double-wide), whether it sits in a park or on private land, the foundation type, home value, location, age, and the coverage limits you select. Homes on permanent foundations with proper tie-downs often qualify for lower rates.
For pricing based on your specific home, schedule a consultation or call our office at 585-657-6101.
Park vs. Private Land: Insurance Considerations
Where your manufactured home is located affects your insurance needs:
In a Mobile Home Park
- You own the home, not the land
- Park's insurance covers their property only
- You need coverage for the home structure
- Personal property coverage is essential
- Liability still important for your unit
- May need to meet park insurance requirements
On Private Land
- You own both home and land
- May need broader coverage
- Other structures (garage, shed) need coverage
- Higher liability limits often recommended
- Permanent foundation may qualify for better rates
- May bundle with land coverage
Frequently Asked Questions
What is manufactured home insurance?
Manufactured home insurance is specialized coverage designed for factory-built homes (built to HUD code after 1976). It protects the structure, personal belongings, and provides liability coverage. Unlike traditional homeowners insurance, manufactured home policies account for the unique construction and risks of mobile and modular homes.
Is manufactured home insurance different from regular homeowners insurance?
Yes. Manufactured homes have different construction methods and risks than site-built homes. Standard homeowners policies may not cover them, or may not adequately address their unique exposures (like transportation damage or tie-down requirements). Specialized manufactured home policies provide appropriate coverage for these homes' specific needs.
How much does manufactured home insurance cost in New York?
Manufactured home insurance costs in New York depend on the home's value, age, location, construction type (single-wide vs. double-wide), whether it's in a park or on private land, and your coverage limits. Homes on permanent foundations often qualify for lower rates. For pricing based on your specific home, schedule a consultation or call our office at 585-657-6101.
What does manufactured home insurance cover?
Manufactured home insurance typically covers the dwelling structure against perils like fire, wind, hail, and theft; personal property inside the home; liability if someone is injured on your property; additional living expenses if your home becomes uninhabitable; and optional coverages like flood and earthquake. Coverage varies by policy.
Do I need insurance if I rent the lot my manufactured home sits on?
Yes. If you own the manufactured home but rent the lot (common in mobile home parks), you still need insurance to protect your home and belongings. The park's insurance only covers their property, not your home. You'll typically need manufactured home insurance that covers the structure you own plus your personal property and liability.
What is the difference between a manufactured home and a modular home?
Manufactured homes are built entirely in a factory to federal HUD code and transported complete to the site. Modular homes are also factory-built but to local building codes, transported in sections, and assembled on a permanent foundation. Modular homes often qualify for standard homeowners insurance, while manufactured homes typically need specialized policies.
Can I get coverage if my manufactured home is older?
Yes, but options may be more limited for older homes, especially those built before 1976 (pre-HUD code). Some insurers won't cover very old units or may only offer actual cash value coverage. We work with carriers that specialize in manufactured homes, including options that may be available for older units.
Related Coverage Options
Flood Insurance
Essential protection not included in standard manufactured home policies.
Personal Umbrella
Extra liability protection beyond your home insurance limits.
Auto Insurance
Bundle with your home coverage for potential savings.
RV / Motorhome
Coverage for recreational vehicles and travel trailers.
Why Choose Us:
- Specialized manufactured home coverage
- Options for older and pre-HUD homes
- Coverage for park or private land locations
- Replacement cost options available
- Competitive rates from multiple carriers
Important Information
This information is provided for general educational purposes only and does not constitute insurance advice or policy recommendations. Coverage features described are examples and may not be available in all policies or from all carriers. Actual coverage is subject to the terms, conditions, and exclusions of the policy as issued. Please consult with a licensed insurance professional to discuss your specific coverage needs and options. Stan Steele Agency is licensed in New York State (NYS Insurance License Nos. PC-665308, BR-665308, LA-665308).
Protect Your Manufactured Home Today
Whether you have a single-wide in a park or a double-wide on your own land, we can help you explore coverage options at competitive rates. Serving New York homeowners since 1969 • Free quotes • Experienced guidance