Mobile Home
Insurance

Not necessarily, but a few things can affect your options:

• Age & Condition: Older homes or those that haven’t been well-maintained might be harder (or more expensive) to insure.
• Location: If your home is in an area prone to floods, hurricanes, or tornadoes, you may face higher premiums or need extra coverage.
• Tie-Downs & Skirting: Proper tie-downs and skirting aren't just smart for safety; Many insurers require them.
• Who You Work With: Not all insurance companies specialize in mobile/manufactured homes. That’s why working with an experienced agency like Rollo Insurance makes all the difference.

While both types of insurance aim to protect your home and belongings, there are a few key differences:

• How the Home Is Built & Installed: Mobile and manufactured homes are built in factories and delivered to their site, which changes how insurers assess risk.
• Transportability: Even if your home is permanently placed, the fact that it was once moveable means it comes with unique risks.
• Depreciation: Mobile homes depreciate faster than traditional homes, which can affect how claims are paid out.
• Coverage Terms & Endorsements: Some endorsements available for standard homeowners policies might not apply to mobile/manufactured homes and vice versa.

While many homes qualify for coverage, there are a few red flags insurers look out for:

• Major damage or disrepair (like a rotting roof or exposed wiring)
• Homes in high-risk areas (like flood zones) without protective upgrades
• Homes lacking proper tie-downs or skirting
• Very old homes, especially those built before 1976, if not properly maintained or updated

There’s no hard cut-off, but the older the home, the more hoops you may need to jump through, especially if it hasn’t been updated. Homes built before 1976 (pre-HUD code) can still be insured in some cases, but it may cost more or come with limited options. That said, a well-kept older home with updates in place can still get solid coverage.