Personal / Mobile & Manufactured Home

Michigan Mobile & Manufactured Home Insurance

Manufactured and mobile homes are built and rated differently than site-built houses — and a standard homeowners policy isn't the right fit. We write coverage designed for single-wides, double-wides, modular, and park-model homes across Michigan.

What we do for mobile & manufactured home insurance clients

• Coverage built for your home — policies designed for manufactured housing, not a forced fit of a standard HO-3.
• Cover the structure and additions — the home plus attached decks, carports, skirting, and add-ons.
• Right replacement value — we set coverage so a total loss actually replaces the home.
• Multi-carrier shopping — we compare manufactured-home markets for the best rate.

Homes we cover

Single-wide and double-wide mobile homes, manufactured and modular homes, and park-model and tiny homes — owner-occupied or in a community, across Michigan.

What mobile home insurance covers

• Dwelling / structure — the home and attached structures like decks and carports.
• Personal property — your furniture, electronics, and belongings.
• Personal liability — injuries to others or damage you cause.
• Loss of use — living costs if your home is uninhabitable after a covered loss.
• Transit / setup (varies) — coverage options when a home is moved or sited.

Common questions

Can I insure a mobile or manufactured home with a regular homeowners policy?

Usually not well — manufactured homes are constructed and rated differently and need a policy designed for them. We write coverage built specifically for single-wides, double-wides, modular, and park-model homes so the structure is valued and covered correctly.

What does mobile home insurance cover?

The home's structure and attached additions (decks, carports, skirting), your personal property, personal liability, and loss of use if the home becomes uninhabitable after a covered loss. Coverage options also exist for moving and setting up a home.

Does it matter if my manufactured home is single-wide or double-wide?

Yes — size, age, construction, and whether it's in a community all affect rating and available coverage. We match the policy and value to your specific home so you're neither under- nor over-insured.

How much does mobile home insurance cost in Michigan?

It depends on the home's value, age, location, and construction. Manufactured-home policies are often affordable relative to site-built homes. We shop multiple carriers to find your best combination of coverage and price.