Get A Quote For Maryland and Pennsylvanian Manufactured Home Insurance
Get the specialized coverage you need for your Maryland or Pennsylvania manufactured or modular home. Our policies are tailored to meet the unique needs of factory-built and mobile homes, ensuring you have the protection you deserve.
Simply fill out the form below completely, and once you're, click the Submit button to send your information. Rest, your request will be handled promptly!
Types of mobile homes
Modular home characteristics
-
Built off-site in a factory and then transported to a specific location
-
May be on a permanent foundation instead of being tied down
-
Can be placed on a basement or crawlspace
-
May have multiple levels
-
Manufactured to satisfy local and state building codes
Manufactured home characteristics
-
Constructed on a movable steel chassis with just one level
-
Manufactured in sections and transported to the building site on wheels
-
Typically less expensive per square foot than site-built homes
-
Can be placed on a basement or crawlspace
-
Built to conform to federal (HUD) building codes
Mobile home insurance coverages
Standard coverages
The following protections are included on most mobile/modular home policies:
Dwelling
If your home is damaged by a covered peril, dwelling coverage helps to repair or replace the physical structure.
Belongings
Your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if lost or damaged in a covered incident. Keep in mind, if you’re in possession of jewelry, expensive artwork, or any other valuables, you may have to “schedule” the item on your policy (also known as adding an “insurance rider”).
Liability
If a household member is responsible for someone else’s injury or damaged property, personal liability coverage can cover you up to your policy’s limits.
Loss of use
Also known as “additional living expenses,” loss of use coverage can pay for meals and hotel costs if can’t live in your home because of a covered loss.
Extra manufactured home insurance coverage
Depending on your provider and state, you may be able to add additional protection, including:
Replacement cost coverage
Protect your home and your belongings against depreciation. Optional replacement cost coverage gives you the money you need to repair or replace what’s damaged without depreciating the value.
Trip collision coverage
While your home is on the move, protect against any damage to your home from a collision. Coverage is for one move during a specific 30-day period.
Single deductible benefit
You’re only responsible for one deductible if you bundle mobile home and auto insurance and a claim applies to both. If you didn’t have both policies, you’d end up paying two separate deductibles. This benefit is only available in certain states.