The following protections are included on most mobile/modular home policies


Modular home characteristics

  • Built off-site in a factory and then transported to a specific location
  • May be on a permanent foundation instead of being tied down 
  • Can be placed on a basement or crawlspace 
  • May have multiple levels
  • Manufactured to satisfy local and state building codes

Manufactured home characteristics

  • Constructed on a movable steel chassis with just one level
  • Manufactured in sections and transported to the building site on wheels
  • Typically less expensive per square foot than site-built homes
  • Can be placed on a basement or crawlspace
  • Built to conform to federal (HUD) building codes

Mobile home insurance coverages

The following protections are included on most mobile/modular home policies:

If your home is damaged by a covered peril, dwelling coverage helps to repair or replace the physical structure.

ExampleYour home’s roof is damaged in a hailstorm. Dwelling insurance coverage can pay to repair your roof or replace it, if necessary.

Your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if lost or damaged in a covered incident. Keep in mind, if you’re in possession of jewelry, expensive artwork, or any other valuables, you may have to “schedule” the item on your policy (also known as adding an “insurance rider”) or possibly get a separate policy for those items.

ExampleThere is an outbreak of burglaries in your neighborhood, and your laptop is stolen. You’re covered for the actual cash value of the laptop, minus any deductible and up to the coverage limits on your policy.

If a household member is responsible for someone else’s injury or damaged property, personal liability coverage will cover you up to your policy’s limits.

ExampleYour children are playing soccer in the front yard, and accidentally kick the ball through your neighbor’s stained-glass window. Liability coverage will pay to replace the window, up to the limits of your policy.

Loss of use
Also known as “additional living expenses,” loss of use coverage can pay for meals and hotel costs if can’t live in your home because of a covered loss.

ExampleYour modular home suffers water damage due to a busted pipe and you’ll need to live in a hotel for three weeks while the damage is repaired. Loss of use coverage will pay for the hotel bill, up to your coverage limits.

Sandwich Office

92 Tupper Rd
PO Box 719
Sandwich, MA 02563

Phone Number  (508) 888-0207

Fax Number  (508) 888-0550

Plymouth Office

28 Samoset St
PO Box 3255
PlymouthMA 02360

Phone Number   (508) 746-1965

Fax Number  (508) 746-1668

Falmouth Office

79 Davis Straits
PO Box 554
FalmouthMA 02540

 Phone Number  (508) 540-6161

Fax Number  (508) 457-7660

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