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Mobile Home Insurance. Coverage highlights Comprehensive protection — Your policy covers any cause of loss fire, lighting, wind, hail, explosion, burst water pipes, and so on unless that cause is specifically excluded in the policy documents.

Is your manufactured home not a full-time residence? Manufactured housing is flexible and so is our program. We accept other uses and occupancies.

Vacant — A vacant mobile home can be insured through our Vacant program. Dig Into The Details. Quick Links Find an agent for a quote If you want to find an agent now , or have questions, call us at Our hours are 8 a.

Monday through Friday. Learn More Learn how to maintain the roof on your mobile home. Here are some important safety tips: Weather conditions vary.

Contact your local building department to find out how many tie-downs are necessary for your home. This can result from a home sinking over time.

It may need to be re-leveled to correct the tension on straps. Replace straps and anchors that show signs of corrosion or damage.

Be sure your turnbuckles devices to adjust the tension and length of straps have welded eyes or forged eyes — not hooks.

Make sure straps are not kinked or bent. Use radius clips to protect straps at sharp edges. Make sure anchors are installed to full depth.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states.

While an EF1 tornado might cause minor damage to a site-built home, it could do significant damage to a factory-built home, especially an older model or one that is not properly secured.

Also, structural components such as windows are typically weaker than those in site-built homes. Many brands offer optional hurricane straps, which can be used to tie the home to anchors embedded in the ground.

This national regulation has allowed many manufacturers to distribute nationwide because they are immune to the jurisdiction of local building authorities.

There are, however, wind zones adopted by HUD that home builders must follow. For example, statewide, Florida is at least windzone 2.

South Florida is windzone 3, the strongest wind zone. After Hurricane Andrew in , new standards were adopted for home construction.

The codes for building within these wind zones were significantly amended, which has greatly increased their durability.

During the hurricanes in Florida , these standards were put to the test, with great success. Yet, older models continue to face the exposed risk to high winds because of the attachments applied such as carports, porch and screen room additions.

Such areas are exposed to "wind capture" which apply extreme force to the underside of the integrated roof panel systems, ripping the fasteners through the roof pan causing a series of events which destroys the main roof system and the home.

The popularity of the factory-built homes caused complications the legal system was not prepared to handle. Originally, factory-built homes tended to be taxed as vehicles rather than real estate, which resulted in very low property tax rates for their inhabitants.

That caused local governments to reclassify them for taxation purposes. However, even with that change, rapid depreciation often resulted in the home occupants paying far less in property taxes than had been anticipated and budgeted.

The ability to move many factory-built homes rapidly into a relatively small area resulted in strains to the infrastructure and governmental services of the affected areas, such as inadequate water pressure and sewage disposal, and highway congestion.

That led jurisdictions to begin placing limitations on the size and density of developments. Early homes, even those that were well-maintained, tended to depreciate in value over time, much like motor vehicles.

That is in contrast to site-built homes which include the land they are built on and tend to appreciate in value. The arrival of mobile homes in an area tended to be regarded with alarm, in part because of the devaluation of the housing potentially spreading to preexisting structures.

This combination of factors has caused most jurisdictions to place zoning regulations on the areas in which factory-built homes are placed, and limitations on the number and density of homes permitted on any given site.

Other restrictions, such as minimum size requirements, limitations on exterior colors and finishes, and foundation mandates have also been enacted.

There are many jurisdictions that will not allow the placement of any additional factory-built homes. Others have strongly limited or forbidden all single-wide models, which tend to depreciate in value more rapidly than modern double-wide models.

Apart from all the practical issues described above, there is also the constant discussion about legal fixture and chattels and so the legal status of a trailer is or could be affected by its incorporation to the land or not.

This sometimes involves such factors as whether or not the wheels have been removed. The city of Cleveland , Mississippi , has made efforts to eliminate its "run-down mobile homes," which the city describes as "unsightly.

The North Carolina Board of Transportation allowed foot-wide homes on the state's roads, but until January , foot-wide homes were not allowed.

Under a trial program approved January 10, , the wider homes could be delivered on specific roads at certain times of day and travel 10 mph below the speed limit, with escort vehicles in front and behind.

In December , a study showed that the wider homes could be delivered safely, but some opponents still wanted the program to end.

A third escort was required, including a law enforcement officer on two-lane roads. Mobile homes are often sited in land lease communities known as trailer parks also 'trailer courts', 'mobile home parks', 'mobile home communities', 'manufactured home communities', 'factory-built home communities' etc.

In addition to providing space, the site often provides basic utilities such as water, sewer, electricity, or natural gas and other amenities such as mowing, garbage removal, community rooms, pools, and playgrounds.

There are over 38, [13] trailer parks in the United States ranging in size from 5 to over 1, home sites. Although most parks appeal to meeting basic housing needs, some communities specialize towards certain segments of the market.

One subset of mobile home parks, retirement communities, restrict residents to those age 55 and older. Another subset of mobile home parks, seasonal communities, are located in popular vacation destinations or are used as a location for summer homes.

Newer homes, particularly double-wides, tend to be built to much higher standards than their predecessors and meet the building codes applicable to most areas.

That has led to a reduction in the rate of value depreciation of most used units. Additionally, modern homes tend to be built from materials similar to those used in site-built homes rather than inferior, lighter-weight materials.

They are also more likely to physically resemble site-built homes. Often, the primary differentiation in appearance is that factory-built homes tend to have less of a roof slope so that they can be readily transported underneath bridges and overpasses.

The number of double-wide units sold exceeds the number of single-wides, which is due in part to the aforementioned zoning restrictions.

Another reason for higher sales is the spaciousness of double-wide units, which are now comparable to site-built homes.

Single-wide units are still popular primarily in rural areas, where there are fewer restrictions.

They are frequently used as temporary housing in areas affected by natural disasters when restrictions are temporarily waived. Another recent trend has been parks in which the owner of the mobile home owns the lot on which their unit is parked.

Some of these communities simply provide land in a homogeneous neighborhood, but others are operated more like condominiums with club homes complete with swimming pools and meeting rooms which are shared by all of the residents, who are required to pay membership fees and dues.

Mobile home or mobile-homes are used in many European campgrounds to refer to fixed caravans , purpose-built cabins , and even large tents, which are rented by the week or even year-round as cheap accommodation, similar to the US concept of a trailer park.

Like many other US loanwords , the term is not used widely in Britain. They are more commonly referred to as Park Homes or Leisure Lodges, depending on if they are marketed as a residential dwelling or as a second holiday home residence.

Mobile homes are built to the BS standard, which classifies the homes as being built to a residential standard.

The majority of residential parks in the UK have a minimum age limit for their residents, and are marketed as retirement only parks due to this, but it is unlikely for a leisure lodge or static caravan holiday park to have such age restrictions.

In addition to mobile homes, static caravans are popular across the UK. Static caravans have wheels and a rudimentary chassis with no suspension or brakes and are therefore transported on the back of large flatbed lorries, the axle and wheels being used for movement to the final location when the static caravan is moved by tractor or 4x4.

A static caravan normally stays on a single plot for many years and has many of the modern conveniences one would normally find in a home.

Mobile homes are designed and constructed to be transportable by road in one or two sections. Legally, mobile homes can still be defined as "caravans".

Static holiday caravans generally have sleeping accommodation for 6 to 10 people in 2, 3 or 4 bedrooms and on convertible seating in the lounge referred to as a 'pull out bed'.

They tend towards a fairly "open-plan" layout, and while some units are double glazed and centrally heated for year-round use, cheaper models without double glazing or central heating are available for mainly summer use.

Generally, holiday homes are clad in painted steel panels, but can be clad in PVC, timber or composite materials. Static caravans are sited on caravan parks where the park operator of the site leases a plot to the caravan owner.

There are many holiday parks in the UK in which one's own static caravan can be owned. There are a few of these parks in areas that are prone to flooding and anyone considering buying a sited static caravan needs to take particular care in checking that their site is not liable to flooding.

Some park owners used to have unfair conditions in their lease contracts but the Office of Fair Trading has produced a guidance document available for download called Unfair Terms in Holiday Caravan Agreements which aims to stop unfair practices.

They are constructed of light metal, are not insulated but can be outfitted with heating and air-conditioning units, water lines, recessed lighting, and floor tiling to function in a full-service capacity.

Because of similarities in the manufacturing process, some companies build both types in their factories.

Modular homes are transported on flatbed trucks rather than being towed, and lack axles and an automotive-type frame.

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