The home itself
Helps repair or replace the home after a covered loss such as fire, wind or hail. The age, size and construction of the home affect which options are available.
What it covers
What manufactured home coverage can include
A manufactured home policy is similar to a homeowners policy, with details that reflect how the home was built and where it sits. Coverage options vary by policy and carrier.
Attached and other structures
Skirting, decks, porches, sheds and carports may be covered, usually with their own limits.
Personal property
Helps pay to repair or replace furniture, clothing, electronics and appliances after a covered loss, subject to policy limits.
Personal liability
Helps if someone is injured on your property and you are legally responsible. Limited medical payments for guests may be included.
Loss of use
If a covered loss makes the home unlivable, this can help with extra living costs while repairs are made.
Optional add-ons
Depending on the carrier, options may include water backup, replacement cost on the home or contents, and coverage for items that stay with the home.
Who needs it
Who needs manufactured home insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Owners who own the home and the land
Your policy covers the home and other structures on your land, along with your liability.
Owners who rent a lot in a park or community
The park's insurance typically does not cover your home or belongings. You usually need your own policy.
Buyers using financing
Lenders typically require insurance. Ask us early so the policy is in place before closing.
Owners of older homes
Homes built before the federal HUD code took effect in 1976 are often called mobile homes, and may have fewer coverage options.
Local agency
Manufactured home coverage in Florence, Boone County and Northern Kentucky
Manufactured homes are part of the housing landscape across Kentucky, Ohio and Indiana, including communities and private lots in and around Boone County. Wind, hail and heavy rain are the same concerns for everyone, but how a home is anchored, skirted and maintained can influence how a policy is written.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. Call or text our office and we will go over what applies to your home and your lot.
Be prepared
Details that matter
Year built and size
The age of the home affects eligibility and options. Have the model, serial or HUD label information handy if you can.
Anchoring and foundation
Tie-downs, piers and permanent foundations can all come up when a carrier looks at the home.
Land you own or a leased lot
This changes what you insure and who else has an interest in the property.
Lender or park requirements
If a lender or community lists requirements, share them and we will confirm the policy meets them.
FAQ
Common questions
Is manufactured home insurance different from homeowners insurance?
It is similar in what it protects: the home, your belongings and your liability. The difference is in how a policy is written for how the home was built, how it is anchored and where it sits. Some carriers use a policy form designed for manufactured homes.
Does the park's insurance cover my home?
Typically no. The park owner's policy is written for the park's property and liability. Your home, belongings and personal liability generally need your own policy.
What is the difference between a mobile home and a manufactured home?
Homes built before June 15, 1976 are usually called mobile homes. Homes built after that date under the federal HUD code are called manufactured homes. The year can affect available coverage options.
Do I need insurance on a manufactured home I own outright?
No law requires it for an owner without a lender, but without a policy you would pay for repairs or replacement and any liability claim yourself. Many owners choose coverage for that reason.
Do you write manufactured home policies in Ohio and Indiana?
Yes. We help owners in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Homeowners insurance · Flood insurance · Umbrella insurance · Renters insurance · Auto insurance · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a manufactured home quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.