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Mobile Home Insurance Oklahoma / Manufactured Home Insurance

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MOBILE HOME INSURANCE / MANUFACTURED HOME INSURANCE

The Basics of Mobile Home and Manufactured Home Insurance

When you own a mobile home or manufactured home, insurance is a must and it’s important that you understand why. The first thing you need to understand is that the difference between a mobile home and a manufactured home is not easy to identify, but they both use the same kind of insurance, meaning mobile home insurance or manufactured home insurance.

If you have this kind of property in Oklahoma, you must invest in mobile home insurance or manufactured home insurance. Now, there are many different ways you can use insurance to cover your mobile or manufactured home to make sure it is protected.

First, you can use mobile home insurance for either of them because the coverage is the same for both kinds of home. This kind of insurance will cover the dwelling and other structures, your personal property, and it will also provide liability coverage.

Second, you can use homeowners or dwelling insurance to cover your mobile or manufactured home as a secondary residence or vacation home. This type of insurance will cover the structure, your personal belongings, and provide liability coverage as well.

Third, you can insure your mobile home or manufactured home as a rental or landlord property if you are renting it out. Landlord insurance will cover your home and whatever belongings you rent out, but your renters will have to get insurance for their own personal belongings.

Fourth, as a tenant, your personal property within the mobile home or manufactured home can be covered by renters insurance. Renters insurance will cover your personal property, provide liability coverage, and it provides additional living expenses, which may cover hotel bills and more if your property becomes uninhabitable as a result of a covered peril.

Last but not least, you can use farm insurance to protect your mobile or manufactured home if it sits on land of over 20 acres, which is not typically insured with homeowners insurance or dwelling insurance.

The Differences Between Mobile Homes and Manufactured Homes

Mobile and manufactured homes are not very different, which is why the terms are used interchangeably. However, the difference is in the code used to build them, so you can easily tell them apart by looking at the year of manufacture.

The National Mobile Home Construction and Safety Act was passed in 1974 and they established the HUD Manufactured Home Construction and Safety Standards in 1976. This means that the mobile homes manufactured before this time didn’t follow any set building standards because those standards had not been established until 1976.

The HUD Code provided a strict standard to follow that covered every single key aspect, including design, construction, body and frame, fire safety, plumbing, electrical, and so much more. In other words, this code formally regulated the safety and quality standards of mobile home production. Homes built under these standards thus came to be known as manufactured homes.

So, the big difference between these two is that mobile homes were built before 1976 and manufactured homes were built after that year, following higher construction standards and guidelines. When it comes to insurance, you can use mobile home insurance or manufactured home insurance to protect your home. You can also use other kinds of insurance, such as second home insurance, landlord insurance, dwelling insurance, renters insurance, and even farm insurance.

Mobile homes built before the introduction of the HUD Code, which is the only federally-regulated national building code available, were known as trailer homes. They were mass produced which made them cheaper, but also less safe because building specifications were overlooked.

It’s important to note that in the 1960s, consumers no longer wanted affordability and mobility, they wanted more space and amenities, so they were willing to pay more. As a result, mobile homes became larger and the interior became similar to standard site-built homes. The HUD Code took things to another level and it made way for more advanced and safer manufactured homes.

Though mobile and manufactured homes are basically the same, the difference lies in the date of manufacture, the HUD Code, and the perception people have of them. Mobile homes are thought to be of lesser quality because no building standard was taken into consideration. Manufactured homes are of higher quality and people can customize them in any way they like, which is a huge benefit. They both need proper insurance.

Insurance for Mobile Homes and Manufactured Homes

Because mobile homes and manufactured homes are virtually the same, the insurance policy for mobile homes can be used as manufactured home insurance as well. Remember, the main difference is the building codes. That means that their needs are the same when it comes to insurance.

Standard homeowners insurance excludes mobile and manufactured homes because they have unique exposures. For example, they are more susceptible to wind or fire damage and the exposure to loss by collision is a lot higher, and insurance needs to consider that. So, even though mobile and manufactured homes share certain characteristics with dwellings, you normally can’t use homeowners insurance to protect them.

Mobile home insurance has been a multiline insurance form since the 50s, which makes it similar to homeowners insurance. With this multiline insurance form, the coverage you are provided with is very similar to homeowners insurance. That means mobile home insurance will cover your dwelling and other structures, your personal belongings, and it will provide liability coverage.

It’s also important to note that you can use dwelling insurance to cover property for your mobile home or manufactured home. However, you can only use the basic form of dwelling insurance. The only kind of mobile or manufactured home that’s eligible for dwelling insurance can sometimes be the kind that’s placed on a foundation…each mobile insurance company can make those underwriting guidelines.

Mobile home insurance or manufactured home insurance may cover the mobile home, the original equipment and accessories that were built into the unit, additions such as cabanas, water pumps, or anything else you decide to add, and additional living expenses. You also get optional insurance coverage that can protect your mobile home and manufactured home from collision or damage sustained while it’s on the road.

Additionally, mobile home insurance may be based on open perils and the coverage can be settled based on the cost of replacement. It’s worth noting that homeowners insurance and mobile home insurance are similar in some respects, but very different in others. After all, they are insurance policies meant to cover two different kinds of properties, which have different needs and risks.

Mobile home insurance Coverage A offers coverage for the mobile home itself and any other structures that are attached to it, such as cabinets, carports, and more. Coverage B covers other structures, which is similar to homeowners insurance.

Coverage C will cover personal property and it has a minimum limit of 40% of Coverage A. This is different from homeowners insurance because it provides a minimum limit of 50%, which is higher. Lastly, Coverage D relates to loss of use and in the case of mobile home insurance, it offers 20% of Coverage A.

Endorsements for Mobile Home Insurance and Manufactured Home Insurance

You will be happy to know that endorsements can be applied to mobile home insurance and you have a few options to consider to increase the effectiveness of insurance.

You can get transportation or permission to move endorsement, which is also known as transportation trip endorsement. This offers 30-day coverage against collision, damage, stranding, or sinking, which are risks mobile and manufactured homes face while they are moved from point A to point B.

Another endorsement option available is the mobile home Actual Cash Value (ACV) settlement, which will cover your home based on ACV instead of replacement cost at 80%. So, the actual cash value of the home is what will be taken into consideration instead of the replacement cost in case of a peril.

Property removal increased limit is another kind of endorsement you can take advantage of and it will increase the $500 automatic limit in increments of $250 up to the maximum, which is $2,500.

Lastly, you have the option of ordinance or law endorsement, which will provide similar coverage to homeowners insurance and part of it can be used to cover the expenses of debris removal.

There are also a few premium credits you might be able to use for mobile home or manufactured home insurance to reduce your insurance premium…again, it depends on each manufactured home insurance carrier. Here’s a list:

  • Alarm or fire system or both, approved by your insurance company.
  • Automatic sprinkler system, approved by your insurance company.
  • Reducing your Coverage C, which relates to personal belongings.
  • Tie-down credit based on the fact that mobile and manufactured homes are more susceptible to windstorms.

Of course, you need to keep in mind that every insurance company provides different discount offerings. When you’re comparing insurance options, this is one of the factors you should consider before you make a decision on insurance because it does make a difference.

Final Words on Mobile and Manufactured Home Insurance

Though mobile homes and manufactured homes are very different from a standard home, they are still susceptible to common perils. If you want to protect your home, you can’t carry on without insurance.

When you own a home, whether it’s mobile or not, insurance becomes one of your responsibilities. Insurance will cover all your bases and keep your belongings and yourself covered against the most common risks.

Anything can happen at any moment, especially if you’re constantly on the move, so mobile home insurance will help you have a lot more peace of mind. Looking for insurance on a mobile home? Search for mobile home insurance or manufactured home insurance quotes and you’ll find what you need. Get your mobile home insurance quotes now!


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Andy & Lisa M.
Mobile Home Owner

"As we were getting ready to purchase our new double-wide Solitaire, we knew that we needed to get some mobile home insurance quotes for comparison. Our mortgage lender told us that we need to have a replacement coverage value policy which would replace our home brand-new if it got hit by a tornado or caught on fire and burned down. As we were searching, we soon realized there aren't that many companies that insure manufactured homes and among those companies just a small handful offers replacement coverage value. We came across OklahomaInsuranceQuotes.net in our online search. We answered some questions in a couple of steps. Not too long after that, we were contacted by a local insurance agent who specializes in mobile home insurance. He was able to discuss our coverages and made sure it met our lenders requirements. They absolutely made our lives easier."

Marla N.
Manufactured Home Owner - Secondary Home

"My husband and I live in Norman and we purchased some land near Lake Eufaula and bought a new Clayton mobile home to be our second home or vacation home. We didn't realize there's only a few manufactured home insurers that will insure the dwelling for replacement value coverage OR rather replace the home brand-new, which was required by our bank. We searched online for mobile home insurance and found OklahomaInsuranceQuotes.net. We filled-out some questions and submitted it. An agent who offers manufactured home replacement coverage policies contacted us with a policy at a very good rate. I certainly recommend OklahomaInsuranceQuotes.net to help save time and find a really good rate for insurance on your mobile home."

Robert S.
Mobile Home Owner

"I've been looking to get some Mobile home insurance quotes because every year my rates keep going up. I came across a site when I was searching for a company to insure manufactured homes...OklahomaInsuranceQuotes.net. They don't insure mobile homes but they can help you get insurance quotes from several companies. It was real easy, I just answered some questions in a couple of steps and submitted it. Shortly after, an agent who sells manufactured home insurance contacted me and helped find a much better rate with the same coverage. OklahomaInsuranceQuotes.net was definitely worth 3 minutes of my time to save hundreds of dollars."