Manufactured Homeowners Insurance Information
Manufactured homes can offer affordable and flexible living, but like any residence, they face risks from storms and other unexpected financial events. 
Manufactured home insurance is designed to help with costs after covered losses, giving owners a way to prepare for potential financial challenges.
Why This Type of Policy Matters
Relative to standard site-built homes, manufactured homes are often more vulnerable to weather events and structural damage. Insurance helps address those concerns by offering financial support when certain incidents occur.
Many lenders or communities may also require manufactured home coverage as part of ownership, making it a practical and often necessary step for residents.
What’s Commonly Covered In These Policies?
While every policy is different, manufactured home insurance can include the following coverage options:
- Dwelling coverage may help repair or rebuild your manufactured home if it’s damaged by a covered event such as fire, wind or hail.
- Other structures coverage can help pay for damage to other buildings on your lot, such as garages, fences and sheds.
- Personal property coverage may assist with replacing belongings inside your home, including furniture, electronics and clothing, if they are stolen or damaged.
- Liability coverage may step in if someone is injured on your property or if you are found legally responsible for accidental damage to another person’s property.
- Additional living expenses coverage may help with temporary housing or daily costs if your home is uninhabitable after a covered loss.
Some policies may also offer optional endorsements, such as for water and sewer backups or higher-value personal belongings.
Explore Your Options Today
Manufactured home insurance helps homeowners prepare for situations that could otherwise be difficult to manage financially. At Berger Briggs Insurance, we can walk you through policy options and explain how coverage may apply to your home and belongings. Contact us today to request a manufactured home insurance quote.
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