Getting Mobile and Manufactured Home insurance should not be a problem, but you really should go with an agent that writes this kind of home owners insurance often.
Mobile or manufactured home insurance is specific and not all insurance companies offer it. Some specialize in it, like Foremost, or American Modern, but some outsource it, like AAA (triple A or Southern California Auto Club). Not that it should matter, but the point is that your agent should be familiar with mobile home and manufactured home insurance enough to be able to get you the best rate and coverage available. You are paying good money so you should get great service AND great coverage at a great price, right?
Having enough coverage to completely replace your mobile home is essential. If you think that having lower than replacement cost on your home is best, think again. Normally if a pre-manufactured structure catches fire, it will likely be damaged beyond repair. This has to do with the amount of money it takes for replacing the home with a new one vs. repairing the old one. So, get enough insurance to buy a brand new home if needed.
