Manufactured and mobile homes are built and insured differently from site-built houses, so they need a policy designed for them (often an HO-7 or a mobile-home program). It protects the home's structure, attached additions like carports and skirting, your personal belongings, and your liability — while accounting for the realities of transport, tie-downs, and wind exposure that standard homeowners forms handle poorly. Maru places manufactured-home coverage across Washington and Florida, including older units many carriers won't touch.
What manufactured-home insurance covers
| Coverage | What it protects |
|---|---|
| Dwelling / structure | The home itself, including transport damage on some forms |
| Other structures | Carport, deck, shed, skirting, attached additions |
| Personal property | Your belongings inside the home |
| Personal liability | Injury or damage claims you're responsible for |
| Loss of use | Living expenses if the home is uninhabitable after a covered loss |
| Optional wind / flood | Separate coverage often needed in FL and coastal WA |
Replacement cost vs. actual cash value
Older manufactured homes are frequently offered only actual-cash-value coverage, which depreciates the payout — sometimes steeply. Where available, we push for replacement-cost coverage so a total loss actually lets you rebuild or replace. The home's age, roof, electrical, and anchoring largely determine which is on the table, and a few documented upgrades can change your options and price.
Washington and Florida specifics
Florida separates wind from the base policy in many high-risk areas, so a manufactured home may carry a hurricane deductible and require verified tie-downs and a newer roof to qualify — a wind-mitigation inspection can lower the premium. Flood is always separate. In Washington, the priorities are windstorm, winter freeze protection for pipes, and the challenge of insuring older units in manufactured-home communities. As an independent agency, we know which carriers keep renewing these homes rather than dropping them.
Frequently asked questions
Why can't I use a regular homeowners policy on a manufactured home?
Can I insure an older mobile home?
Do I need separate wind or flood coverage in Florida?
What lowers the premium on a manufactured home?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.
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