American Modern Mobile Home Insurance
Explore insurance options designed for mobile and manufactured homes. Learn about available protection through American Modern and request a quote with help from an insurance representative.
- ✓ Coverage options for eligible mobile and manufactured homes
- ✓ Protection for your home, belongings, and liability
- ✓ Assistance reviewing available policy options
About American Modern Insurance Group
American Modern Insurance Group is known for offering specialty insurance products, including insurance options for mobile and manufactured homes.
These homes can have different insurance needs than traditional site-built houses. Reviewing coverage designed for eligible manufactured housing can help homeowners understand the protection available to them.
Our team can help you explore available options and discuss coverage, eligibility, deductibles, and policy limits.
What Can Mobile Home Insurance Cover?
Coverage varies by policy, location, underwriting requirements, and selected options. Depending on the policy, protection may include the following.
Dwelling Coverage
May help pay to repair or replace your mobile or manufactured home following a covered loss, subject to policy terms and coverage limits.
Personal Property
May provide protection for belongings such as furniture, appliances, clothing, and electronics damaged by covered events.
Personal Liability
May help with covered claims if you are held legally responsible for certain injuries or property damage to others.
Additional Living Expenses
May help with qualifying temporary living costs if a covered loss makes your insured home uninhabitable.
Other Structures
Depending on the policy, certain detached structures may be eligible for protection under applicable coverage provisions.
Optional Protection
Additional coverage options may be available for specific risks, subject to location, policy availability, and underwriting approval.
Coverage descriptions are general examples, not a statement of benefits under any particular American Modern policy. Review the actual policy and endorsements for applicable terms, conditions, limits, and exclusions.
Find Coverage That Fits Your Home
Finding insurance for a manufactured home involves more than choosing a price. Your home's age, location, construction, and other characteristics may affect the options available.
Review Your Home's Details
Provide basic information about your manufactured home and location.
Explore Available Coverage
Discuss eligible options, deductibles, and coverage limits.
Make an Informed Decision
Review the quote and policy details before choosing your protection.
How to Request a Mobile Home Insurance Quote
Start with a few details about your home. An insurance representative can help you review the next steps.
Tell Us About Your Home
Share your home's location, year, size, and other basic details.
Review Available Options
Explore insurance options based on your home's eligibility and coverage needs.
Choose Your Coverage
Consider the available quote, coverage details, and policy terms before making a decision.
American Modern Mobile Home Insurance FAQs
Common questions about insurance for mobile and manufactured homes.
Does American Modern offer mobile home insurance?
American Modern Insurance Group offers specialty insurance products, including manufactured home insurance options. Availability and eligibility depend on the applicable product, location, and underwriting requirements.
What is the difference between mobile and manufactured homes?
The terms are often used interchangeably, but manufactured homes generally refer to factory-built homes constructed under federal HUD standards established in 1976. Older factory-built homes are commonly described as mobile homes.
Does mobile home insurance cover wind or hail damage?
Some policies may provide wind or hail protection, but availability, exclusions, deductibles, and coverage terms vary. Review the policy carefully to understand which weather-related losses are covered.
Is flood damage covered by standard mobile home insurance?
Flood damage is generally excluded from standard mobile home insurance policies. Separate flood insurance may be needed for protection against covered flooding.
How much does manufactured home insurance cost?
Insurance costs depend on factors such as your home's location, age, condition, insured value, selected coverage, deductibles, and other underwriting considerations. Requesting a quote is the best way to review pricing for your situation.
Can I request a quote for an older mobile home?
Insurance options may exist for older mobile homes, but eligibility depends on the home's characteristics and applicable underwriting guidelines. A representative can help review available options.
Ready to Explore Mobile Home Insurance?
Protecting your mobile or manufactured home starts with understanding your options. Request a quote online or speak with an insurance representative today.
