Mobile & Manufactured Home Insurance | Progressive
specific protection for your home
Mobile home insurance is similar to homeowners insurance, but instead you get specialized coverage for your factory-built home. Whether you need manufactured home insurance or modular home insurance, Progressive can customize a policy to meet your property’s needs.
types of mobile homes
characteristics of the modular house
- built off-site in a factory and then transported to a specific location
- can be on a permanent basis rather than tied down
- can be placed in a basement or crawl space
- can have multiple levels
- manufactured to meet state and local building codes
- built on a single level steel mobile chassis
- made in sections and transported to the site on wheels
- generally less expensive per square foot than site-built homes
- can be placed in a basement or crawl space
- built to meet federal building codes (hud)
- how is the house built? Learn the basics about how your home was built, including the year it was built, square footage, and whether it’s considered manufactured or modular.
- Is your home currently insured? if so, tell us your provider and how long you’ve had coverage.
- do you need special coverage, like flood insurance? If your home is in a flood zone or you live near a body of water, you may need separate flood insurance coverage.
- Do you have a security deposit or do you pay separately? you can certainly use an escrow account, plus we offer a variety of payment options to fit your budget.
characteristics of the prefabricated house
mobile home insurance coverage
standard covers
The following protections are included in most mobile/modular home policies:
housing
If your home is damaged by a covered peril, Dwelling coverage helps repair or replace the physical structure.
Example: The roof of your house is damaged by a hail storm. Homeowners insurance coverage can pay to repair your roof or replace it, if necessary.
belongings
Your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if it is lost or damaged in a covered incident. Keep in mind that if you have jewelry, expensive art, or any other valuables, you may need to “schedule” the item into your policy (also known as adding an “insurance rider”).
example: There is a break-in outbreak in your neighborhood and your laptop is stolen. is covered for the actual cash value of the laptop, less any deductible and up to the coverage limits of your policy.
responsibility
If a household member is responsible for someone else’s injuries or property damage, personal liability coverage may cover them up to your policy limits.
example: Your kids are playing soccer in the front yard and accidentally kick the ball through your neighbor’s stained-glass window. liability coverage will pay for window replacement, up to your policy limits.
loss of use
Also known as “additional living expenses,” loss of use coverage can pay for meals and hotel costs if you are unable to live in your home due to a covered loss.
Example: Your modular home suffers water damage from a burst pipe and you will have to live in a hotel for three weeks while the damage is repaired. loss of use coverage will pay the hotel bill, up to the limits of your coverage.
additional coverage*
Depending on your carrier and state, you may be able to add additional protection, including:
replacement cost coverage
Protect your home and belongings from depreciation. optional replacement cost coverage gives you the money you need to repair or replace what’s broken without depreciating in value.
Example: A fire destroys your mobile home, which you bought for $140,000 ten years ago. A standard policy pays you the actual cash value of the home, $120,000, a figure that includes depreciation. But, with replacement cost coverage, his insurance will pay what it takes to rebuild your home to the same quality or, if the damage cannot be repaired, it will pay up to the $140,000 purchase price.
travel collision coverage
While your home is in motion, protect yourself against any damage to your home from a collision. coverage is for one move during a specified 30-day period.
example: your house is being relocated and collides with a moving truck while in transit. Travel collision coverage can pay for any damage to the structure of your home, up to your policy limits.
single deductible benefit
You’re only responsible for a deductible if you combine progressive auto and mobile home insurance and one claim applies to both. If you didn’t have both progressive policies, you’d end up paying two separate deductibles. this benefit is only available in certain states.**
example: a hail storm causes damage to the roof of your house and your car. Your mobile home insurance covers repairs to your roof and your auto insurance, if you have comprehensive coverage, covers damage to your vehicle. Assuming you have a $500 deductible for both policies, you only have to pay one deductible and both will be serviced.
how to get insurance for your mobile home
quote online or call 1-855-347-3939 and experience how easy it is to protect your manufactured or modular home. Here are some things you need to know so that we can provide the most accurate quote:
