Protecting Your Home and Investment
Manufactured & Mobile Home Insurance
Specialized insurance coverage for manufactured, mobile, and modular homes in New Jersey. Get comprehensive protection designed specifically for your unique housing needs.
Manufactured Home Coverage Options
Your manufactured home deserves the same quality protection as any traditional home. Our policies are tailored to address the specific needs and risks of manufactured housing.
Dwelling Coverage
Protects the structure of your manufactured home from covered perils
- Fire and Lightning
- Wind and Hail
- Theft and Vandalism
- Water Damage
Personal Property
Covers your belongings inside the home
- Furniture and Electronics
- Clothing and Appliances
- Off-Premises Coverage
- Replacement Cost Options
Liability Protection
Coverage if someone is injured on your property
- Medical Payments
- Legal Defense Costs
- Personal Liability
- Property Damage
Additional Living Expenses
Helps with costs if your home becomes uninhabitable
- Temporary Housing
- Meal Expenses
- Storage Costs
- Pet Boarding
Other Structures
Protection for detached structures on your property
- Storage Sheds
- Carports
- Decks and Porches
- Fences
Special Endorsements
Additional coverage options for complete protection
- Flood Insurance
- Earthquake Coverage
- Equipment Breakdown
- Identity Theft
Types of Manufactured Homes We Insure
From single-wide starter homes to luxury multi-section properties, we provide coverage for all manufactured home types.
Single-Wide Homes
Traditional manufactured homes transported in one section
- Up to 18 feet wide
- Up to 90 feet long
- Affordable coverage options
Double-Wide Homes
Larger homes transported in two sections and joined on-site
- 20-36 feet wide
- Up to 90 feet long
- Higher coverage limits available
Triple-Wide/Multi-Section
Spacious homes with three or more sections
- Over 2,000 sq ft
- Custom configurations
- Comprehensive coverage
Park Models
Smaller recreational units under 400 square feet
- Seasonal or full-time use
- RV park placement
- Specialized coverage
Factors That Affect Your Insurance Rates
Understanding these factors can help you make improvements that lower your insurance costs.
Age of Home
Newer manufactured homes typically qualify for better rates and broader coverage
Installation Type
Permanently installed homes with foundations often receive preferred rates
Location
Homes in manufactured home communities may have different rates than private land
Safety Features
Smoke detectors, security systems, and tie-downs can reduce premiums
Roof Condition
Well-maintained roofs, especially metal ones, may qualify for discounts
Claims History
A clean claims record helps maintain lower insurance costs
Manufactured Home Insurance Specialists
We understand that manufactured homes require specialized insurance knowledge. Our agents are experts in manufactured home coverage and can help you find the perfect policy.
- Local Expertise: We know New Jersey's manufactured home communities and regulations
- Multiple Carriers: Access to specialized manufactured home insurance companies
- Claims Support: We advocate for you throughout the claims process
Get Started Today
Protect your manufactured home with comprehensive coverage from trusted insurance carriers. Our experienced agents will help you find the right policy at the best price.
Manufactured Home Insurance Questions
Is manufactured home insurance different from regular homeowners insurance?
Yes, manufactured home insurance is specifically designed for the unique construction and risks of manufactured homes. It accounts for factors like transportation, installation methods, and specific vulnerabilities that traditional home insurance doesn't address.
What affects my manufactured home insurance rates?
Key factors include the age and condition of your home, whether it's permanently installed on a foundation, your location, safety features like tie-downs and smoke detectors, and your claims history. Newer homes with modern safety features typically get the best rates.
Do I need special coverage if my home is in a manufactured home community?
Homes in communities may have specific requirements or considerations. You'll need coverage for your home and belongings, but the community typically insures common areas. We can help ensure your policy meets any community requirements.
What's typically not covered by standard manufactured home insurance?
Standard policies usually exclude flood damage, earthquake damage, normal wear and tear, and damage from lack of maintenance. However, we can add endorsements for flood and earthquake coverage if needed.