Mobile Home / Manufactured Home Premium Optimizer

Mobile and manufactured homes face different risk profiles than traditional site-built homes. Their construction, placement, and anchoring methods influence how insurers evaluate risk, especially for wind, flood, and fire damage.

• Construction differences, homes may be built off-site and assembled on location.
• Foundation variations, pier & beam, skirting, or anchored systems affect stability.
• Weather exposure, coastal, tornado, wildfire, and flood zones significantly impact pricing.
• Roofing type, metal roofs often reduce premium relative to older shingle roofs.

1. Age of home: older homes may have higher structural and system risks.
2. Roof type: metal = lower risk; older shingles = higher risk.
3. Foundation stability: anchored homes get better pricing.
4. ZIP-based risk: wind, hail, flood, wildfire, crime patterns.
5. Coverage choices: RCV vs ACV, personal property limits, liability limits.
6. Deductible level: higher deductible = lower premium.

• Install anchoring/hurricane straps to reduce wind uplift risk.
• Upgrade to a metal roof for long-term savings.
• Add a monitored alarm system to improve theft & fire detection.
• Increase your deductible if you want the largest premium reduction.
• Improve exterior skirting and sealing to reduce storm damage risk.
• Bundle with auto insurance when available.

Dwelling Coverage: Repairs or rebuilds your home after a covered loss.

Personal Property: Covers belongings such as furniture, clothing, electronics.

Liability Protection: Protects you if someone is injured on your property.

Loss of Use: Pays for hotel or temporary housing if your home is uninhabitable.

Flood Insurance: NOT included in standard policies. Required in flood zones.

Wind/Hail: May be excluded or require separate endorsement depending on state.

• Wind damage & roof uplift
• Water damage from roof or plumbing leaks
• Electrical fires
• Theft or forced entry
• Storm debris impact