Coverage Guide
Manufactured Home Insurance Guide
HUD-code and factory-built home coverage
Coverage Types
Dwelling Coverage
Structure protection
$550
Base/yr
Personal Property
Belongings
$175
Base/yr
Liability
Guest injuries
$90
Base/yr
Manufactured vs Mobile Home
| Factor | Manufactured | Mobile (Pre-1976) |
|---|---|---|
| HUD Code | ✓ Yes | ✗ No |
| Construction Standards | Modern | Older |
| Insurance Rates | Lower | Higher |
*Post-1976 homes built to HUD standards typically get better rates.