Mobile Home Insurance

Our program accepts any factory-built home, whether it is a single-wide, double-wide, triple-wide, or 2-story modular. Unlike other insurers, we place no age restriction on your home.

Insuring manufactured homes and mobile homes has been at the heart of American Modern’s insurance business for nearly 50 years. Back in the day, a division of our company provided consumer financing for the fast-growing mobile home market, and for a time we even were a manufacturer and one of the first double-wide builders.

Today, manufactured housing is much more varied, but its insurance requirements are still different than a “site-built” home. Our program is an excellent fit for both the latest modular designs as well as the classic mobile home.


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.

Stated value loss settlement – For a total loss, we settle at the state value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.

Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.

Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.


Is your manufactured home not a full-time residence?

Manufactured housing is flexible and so is our program. We accept other uses and occupancies.

Rental – The rental program accepts residential and light commercial-use units.

Seasonal – Our seasonal program covers mobile homes that are used just part of the year.

Vacant – A vacant mobile home can be insured through our Vacant program.

Tenant – Renters insurance (HO-4) is an option for renters of a mobile home.

Learn More

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