Understanding Insurance Coverage for Modular Homes

A modular home built in a factory qualifies for the same insurance coverage as a home constructed on-site. Discover the types of coverage available to you as the owner of a modular dwelling.

Preparations

Before starting your search for insurance coverage, understand your responsibilities as a homeowner. You may need to set up your modular home on a concrete slab or other solid surface to ensure stability, thereby conserving your home’s condition.

Coverage

Liability, theft, vandalism, and standard damage protection can be part of your home insurance policy. Modular homes face the same risks as homes built on-site.

You can customize the coverage amounts according to your needs. This flexibility allows you to get suitable coverage that will enable you to repair or replace your modular home if required.

Risks

Consider the risk factors you face. For instance, if you live in an area prone to high winds, your modular home may be susceptible to wind damage. Any identified risk factors should be considered when arranging your home insurance policy.

The risk factors you face as a modular homeowner may change over time. If you ever decide to relocate your home, you might need to seek towing insurance and other add-on insurance products.

Agent Support

Feel free to contact one of our George Ryan Jr. Insurance Group Inc. agents during regular business hours. An agent representing Bourbonnais, IL, would be happy to prepare your new insurance documents for your modular home.