Manufactured home insurance: what you need and what it covers
Manufactured homes are typically insured under an HO-7 policy, a homeowners form written specifically for mobile, manufactured, and modular homes. It covers the structure, your belongings, personal liability, and loss of use, much like a standard HO-3 policy but tailored to factory-built construction.
What an HO-7 policy covers
- Dwelling: the home’s structure, usually on an open-perils basis
- Other structures: a detached garage, shed, or carport
- Personal property: your belongings, often on a named-perils basis
- Liability: if someone is injured on your property
- Loss of use: living costs if a covered loss makes the home uninhabitable
One detail buyers miss: most HO-7 policies do not cover the home while it is in transit to your site. Transport is typically handled under the delivery and installation contract, so confirm who carries that risk before the home leaves the factory.
Your premium depends on the home’s age, size, location, and coverage limits. We are not insurance agents, but we are glad to point you toward carriers experienced with manufactured homes in the Central Valley so your quotes reflect real risk, not guesswork.
Written and reviewed by the Mission Made Homes team in Fresno. Questions about this topic? Stop by the showroom or send us a note; a real person will get back to you.
