One of the great benefits of purchasing a Manufactured Home is that they cost relatively less than a traditional stick-built home. They are also much quicker to build. With that being said, people are starting to learn that many mobile home insurance premiums cost much more than regular home insurance. But if manufactured homes cost less and require less labor to build and maintain, why do they cost more to insure?

Because of the way they are made, many manufactured homes are not as durable as a traditional stick-built home. Many of these homes are not securely anchored. They are also light in weight which makes them extremely vulnerable to floods and high winds. Manufactured homes experience more damage than a standard home which makes them more expensive to insure.