Coverage for manufactured, modular and mobile homes across Missouri, Kansas and Oklahoma — including the age, foundation and wind questions carriers ask first.
A manufactured home is not insured on a standard homeowners form. Construction, transport history, anchoring and how the home sits on its site all change the risk, so carriers write it on a separate product — sometimes called a mobile home policy, sometimes a manufactured home policy.
That matters at claim time. Trying to put a manufactured home on a standard homeowners policy generally ends with a denial, because the form was never meant for it.
Year of manufacture is usually the first question, and older homes narrow the market considerably. After that: whether it is tied down and how, whether it sits on a permanent foundation, whether you own the land or rent a lot in a park, the roof type and age, the heating source, and the distance to a fire department and hydrant.
Homes built before the HUD construction standards took effect in the mid-1970s are difficult to place with most carriers. Not impossible, but a different market.
This is the decision that matters most. Manufactured homes depreciate quickly on paper, so an actual cash value settlement on an older home can be far below what it costs to replace. Replacement cost coverage is available on many newer homes and worth pricing.
Ask specifically how the roof is settled, the same question that matters on a site-built home in this hail-prone region.
Manufactured homes take wind damage more readily than site-built houses, and carriers price for it. Expect a separate wind and hail deductible, often a percentage of the insured value. Work out what that costs in dollars.
Proper anchoring is not just a safety matter — it affects both eligibility and price with several carriers.
In a park, the park owner insures the land and common areas. You insure the home, your belongings and your liability. Many parks require proof of coverage with a minimum liability limit as a condition of the lease.
Generally no. Manufactured homes are written on their own form, and placing one on a standard homeowners policy usually ends in a denied claim.
It depends on the carrier. Homes built before the mid-1970s HUD standards are hard to place with most companies, though specialty markets exist. Condition, anchoring and updates matter as much as the year.
Yes. Owning the land versus renting a lot in a park changes which carriers will write it and what coverages apply. Tell us which it is up front.
Attached structures are usually covered, subject to limits that are often lower than people expect. Worth checking the specific limit, because these are the parts wind damages first.
Only with trip collision or transit coverage, which is not automatic. Tell us before a move is scheduled.
Tell us about the home, its age and where it sits, and we will shop it.