Protect Your Home, Investment, and Peace of Mind

Manufactured and mobile homes provide affordable homeownership for many families throughout Michigan and Wisconsin. Just like a traditional site-built home, these homes face risks from fire, wind, hail, theft, liability claims, and other unexpected events.

At M&M Insurance Agency, we help homeowners find insurance coverage designed specifically for manufactured and mobile homes, whether the home is your primary residence, seasonal property, or rental investment.

 

What Is a Manufactured Home?

The terms "mobile home" and "manufactured home" are often used interchangeably, but there are important differences.

 

Mobile Homes

A mobile home generally refers to a factory-built home constructed before June 15, 1976.

 

Manufactured Homes

A manufactured home is a factory-built home constructed on or after June 15, 1976, and built to federal HUD (Housing and Urban Development) standards.

Manufactured homes are built in a controlled factory environment and transported to the home site.

 

How Can You Tell If a Home Is Manufactured?

Several characteristics commonly identify a manufactured home:

 

Steel Chassis Construction

Manufactured homes are built on a permanent steel frame or steel chassis that remains part of the structure even after installation.

 

Steel I-Beams or Girders

The home's floor system is supported by large steel beams that run the length of the home.

 

Transportability

Manufactured homes are designed to be transported from the factory to the installation site.

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HUD Certification Label

Most manufactured homes built after June 15, 1976 have a HUD certification label (sometimes called a HUD tag) attached to the exterior of the home.

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Data Plate

A manufacturer's data plate is typically located inside the home, often in:

• A kitchen cabinet

• Utility room

• Bedroom closet

• Electrical panel area

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Factory Construction

Unlike site-built homes, manufactured homes are constructed in sections at a factory and then assembled at their final location.

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What Does Manufactured Home Insurance Cover?

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Dwelling Coverage

Helps repair or replace the home following a covered loss such as:

• Fire

• Lightning

• Windstorm

• Hail

• Vandalism

• Certain other covered perils

 

Other Structures Coverage

Protection may be available for:

• Detached garages

• Storage sheds

• Pole buildings

• Fences

• Gazebos

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Personal Property Coverage

Helps protect belongings such as:

• Furniture

• Clothing

• Electronics

• Appliances

• Household goods

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Additional Living Expenses

May help pay temporary housing costs if a covered loss makes the home uninhabitable.

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Personal Liability Coverage

Provides protection if you are legally responsible for injuries or property damage to others.

 

Medical Payments Coverage

Helps cover minor medical expenses if a guest is injured on your property.

 

Manufactured Home vs. Market Value

One of the most common questions homeowners ask is:

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"Why is my home insured for more than it's worth?"

Insurance companies often insure homes based on estimated replacement cost, not market value.

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Replacement cost considers:

• Construction materials

• Labor costs

• Debris removal

• Delivery and setup expenses

• Permits and code upgrades

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The amount it would cost to rebuild or replace a manufactured home today is often much higher than the home's resale value.

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Primary, Seasonal, and Rental Manufactured Homes

Coverage may be available for:

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Primary Residences

Manufactured homes used as your main residence.

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Seasonal Homes

Vacation properties, hunting camps, cabins, and secondary residences.

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Rental Properties

Manufactured homes rented to tenants, subject to underwriting guidelines.

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Additional Coverage Options

Depending on the carrier and property, additional protection may be available for:

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Replacement Cost Coverage

Helps repair or replace covered property without deducting for depreciation.

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Water Backup Coverage

Protection for sewer, drain, and sump pump backup losses.

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Scheduled Personal Property

Additional protection for:

• Jewelry

• Firearms

• Collectibles

• Electronics

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Personal Umbrella Insurance

Additional liability protection above your policy limits.

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Why Choose M&M Insurance Agency?

We understand manufactured homes because they are common throughout Michigan and Wisconsin.

 

We help homeowners:

• Understand replacement cost values

• Review available coverage options

• Compare carriers

• Identify discounts

• Protect additions, garages, and other structures

• Explain coverage in plain language

 

Our goal is to help you protect your home while making sure you understand exactly what your policy covers.

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Frequently Asked Questions

 

Is a manufactured home the same as a mobile home?

Not exactly. Homes built before June 15, 1976 are generally referred to as mobile homes, while homes built after that date are typically manufactured homes built to HUD standards.

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Can I insure a manufactured home with additions?

Yes. Many policies can provide coverage for attached additions, decks, porches, and other improvements, subject to underwriting requirements.

 

Are detached garages and sheds covered?

Typically, yes. Coverage is often available for detached structures on the property.

 

Why is the replacement cost higher than the home's value?

Replacement cost reflects what it would cost to rebuild or replace the structure today, which is often much higher than market value or purchase price.

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Can I insure a seasonal manufactured home?

Yes. Coverage is available for many seasonal and secondary manufactured homes.