2026 Calculator
Manufactured Home Insurance Calculator
Estimate your HUD-code home insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What is manufactured home insurance?
Manufactured home insurance covers homes built in factories to HUD (Department of Housing) standards. These differ from site-built homes and require specialized HO-7 policies. Coverage includes dwelling, personal property, liability, and additional living expenses.
Is manufactured home insurance different from mobile home insurance?
They're often used interchangeably, but 'manufactured home' specifically refers to homes built after 1976 under HUD code standards. Older 'mobile homes' pre-date these standards. Both use HO-7 policies, but newer HUD-code homes may get better rates.
How can I lower my manufactured home insurance costs?
Permanently anchor your home (10-20% discount), install storm straps, update plumbing/electrical, install security systems, and maintain good credit. Bundling with auto insurance can also save 10-15%.