Mobile homes, manufactured homes, modular homes, and trailers are all common names for a broad category of prefabricated or factory built homes (vs. site built). So the question is, are there differences in how each of these is insured? If so, what is the impact and what does it all mean.
Mobile Home vs. Manufactured Home
Let’s start with the difference between a manufactured home and a mobile home. Manufactured and mobile are interchangeable in the industry. So is there a difference? Yes, there is but it is very technical in nature. The basic difference between the two is the year in which the home was built. A mobile home is built before June 15, 1976. A manufactured home is built after June 15, 1976. Why the distinction? Again, the answer is pretty technical. A manufactured home is required to meet or exceed the code and standards defined by the US department of Housing and Urban Development. A mobile home was not subject to these standards or building codes. It is pretty clear as to why these terms are interchangeable.
Manufactured/Mobile vs. Modular
So what is the difference between a Manufactured/mobile home and a modular home? A modular home is built in factories and the sections are assembled at their permanent site. However, not subject to federal building codes, but rather are subject to local building codes, and are inspected to ensure those are met. Manufactured homes are not required to meet local codes, but are required to meet the federal HUD building codes.
In some cases mobile or manufactured homes are referred to as trailers due to the fact that they can be transferred. However, on occasion a “trailer” does not refer to a manufactured home at all, but rather a travel trailer being occupied as a primary residence. If the home is a travel trailer, it cannot be insured on a mobile home insurance policy, but rather should be written on a travel trailer policy. If you have a travel trailer, please visit our travel trailer quote page for more information.
Regardless of the type of home you own we can insure it.
Get a quote for your Manufactured Home or Mobile home online quote now and then call us at 877-784-6787!