Reliable Mobile Home Insurance Solutions
Assurant Mobile Home Insurance helps you find the best mobile or manufactured home insurance. Protect your property with coverage options tailored to your needs.
Decades of Experience in Mobile Home Insurance
Not all insurance companies are created equal. You can count on us to be there when you need us.
One Plan. Total Coverage. Completely Customizable.
Comprehensive Protection | Liability Coverage | Stated Value | Loss Settlement | Personal Property Coverage
SkyBlue Insurance
You Need It, We've Got It!
SkyBlue Insurance is an authorized representative for Assurant Mobile Home Insurance finding you the best rates nationwide. Our powerful system can return a price quote for your mobile or manufactured home immediately upon entering a few basic items such as the year of your mobile home and the size of the property. Some coverage options that come with an Assurant Mobile Home Insurance policy include:
- Comprehensive Protection
- Liability Coverage
- Stated Value Loss Settlement
- Personal Property Coverage
For more information, you can give us a call at
1-800-203-1419 or you can request a free Assurant Mobile Home Insurance quote for instant results!
Manufactured Homes vs Mobile Homes
Manufactured Homes and Mobile Homes are essentially the same things. While most refer to these properties as Mobile Homes, after 1976 the government enacted new building standards to mobile homes and called them manufactured homes. The main difference between Manufactured Homes and Mobile Homes are their regulations. Modern manufactured housing must comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code.
Modern manufactured housing must comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. These codes set minimum and maximum requirements for the construction of Manufactured Homes.
Today’s Mobile/Manufactured homes are usually anchored to the ground and meant to stay in place permanently.
HUD Manufactured Housing Standards
- Must be built on a permanent chassis
- Must meet the following size requirements:
- Minimum Floor Space: 400 ft²
- Minimum Ceiling Height: 7 feet
- Minimum Ceiling Height in Hallways: 6.5 ft
- Minimum of 2 outside doors that are at least 12 ft apart for a single-wide and 20 ft apart for double-wide
- Minimum one window in each bedroom
- Bedrooms for one person must have at least 50 ft² of floor space; for two people: 70 ft²
- Kitchens and bathrooms must have mechanical ventilation systems
- Fire alarms must be in every room
- Minimum required roof snow load (Varies by area)
- Proper electrical and plumbing systems
- Proper foundation requirements
When renting or purchasing a manufactured home, be sure all of the HUD- Manufactured Housing Standards are met. If the home isn’t up to code, you will be required to make the proper repairs before you move in. These repairs may be expensive. Always obtain Assurant Mobile Home Insurance upon purchasing your new manufactured home.
Mobile Home Insurance FAQ
What is the difference between Mobile Homes and Manufactured Homes?
Manufactured Homes and Mobile Homes are essentially the same thing. It’s all in the date of when it was built. Prior to 1976 proper term is Mobile Home. After 1976 proper term is Manufactured Home. While most refer to these properties as Mobile Homes, after 1976 the government enacted new building standards to mobile homes and called them manufactured homes. The main difference between Manufactured Homes and Mobile Homes are their regulations. Modern manufactured housing must comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. These codes set minimum and maximum requirements for the construction of Manufactured Homes.
When you get an online mobile home insurance quote from Assurant, if you are insuring a Mobile Home, when you get to “Type of Home”, choose “Manufactured Home” which is the same as a Mobile Home. They are essentially interchangeable terms.
What is a mobile home?
A mobile home is a large house trailer that is parked in one particular place and used as a permanent living accommodation.
What is a manufactured home?
A manufactured home is a type of prefabricated home that’s mostly built in a factory and then transported to a predesignated site for use. Prior to 1976 they were called Mobile Homes. Today technically even though properties built after 1976 are called Manufactured Homes, many people still refer to them as Mobile Homes. They are essentially interchangeable terms.
Is it more difficult to finance the purchase of a mobile home?
There are a lot more risks to owning a mobile home than there are for a traditional site-built home. Their life span also isn’t as long as traditional homes and they require more maintenance. For this reason, it’s much tougher to finance a mobile home.
Is Mobile Home Insurance Tax Deductible?
Just like standard home insurance, mobile home insurance is not tax deductible.
What states does your mobile home insurance cover?
We can find your policies in the following states:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Minnesota
- Missouri
- Nebraska
- Nevada
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- West Virginia
- Wisconsin
What is replacement cost?
Market value is the determined value of your mobile home relative to the prices of mobile homes in the market.
Are manufactured homes mobile?
A manufactured home is meant to be used as a permanent dwelling once it reaches its predesignated site.
Are manufactured homes permanent?
Even though manufactured homes are “mobile” they are meant to be permanent once they are placed on their designated sites.
Is Mobile Home Insurance Required?
Just like home insurance, mobile home insurance is required.
What are some of the top mobile home companies?
Top manufactured home companies include:
- Irontown Homes
- Blu Homes
- Modular Direct
- Champion Homes
- Nationwide Homes
- Icon Legacy
- Wardcraft
- Palm Harbor Homes
- Clayton Homes
How Much Mobile Home Insurance Do I Need?
The amount of insurance you need depends on the price of your home, any attachments to the property, as well as any special amenities you may have.
What factors can affect Mobile home insurance premiums?
- Coverage Amounts and Deductibles
- Home Age, Features and Materials
- Location
- Pets
- Credit Rating
Can older mobile homes get insured?
There is no age limit for getting a manufactured home insured.
This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed.
Assurant options and availability vary by state.
This website is operated by SkyBlue Insurance Agency, Inc., an independent insurance agency. We are licensed to quote and sell certain Assurant Insurance products. This website is provided for informational purposes only. While reasonable efforts have been made to ensure that the content is accurate, we make no representations as to the accuracy of availability of coverage. Matters pertaining to coverage are governed solely by the insurance policy issued to you.
SkyBlue Insurance Agency, Inc.,, is a licensed insurance producer resident in California with license number 0E72635, with its principal place of business at 4007 Paramount Blvd. Suite 100 Lakewood, CA 90712. SkyBlue Insurance Agency, Inc., services are only available in states where it is licensed, and insurance coverage through SkyBlue Insurance Agency, Inc., may not be available in all states.
