What Is the Difference Between Regular Home Insurance and Manufactured Home Insurance?

When it comes to safeguarding your home, not all insurance policies are created equal. Whether you own a traditional house or a manufactured home, understanding the key coverage differences is essential. At Edison Insurance Agency, we recognize that choosing the right insurance policy can make a big difference in how well your home and belongings are financially protected. Contact us today to find out more about regular home insurance and manufactured home insurance.

What Is Regular Home Insurance?

Regular home insurance, often called homeowners insurance, is designed for site-built homes—those constructed on a permanent foundation at their final location. This type of policy typically covers:

• Your home’s physical structure, including the roof, walls, and foundation, against risks like fire, storm damage, or vandalism
• Your personal belongings (e.g., furniture, electronics, and clothing) in case of theft or covered damage
• Liability coverage in case someone is injured on your property or you unintentionally cause damage to someone else’s property
• Additional living expenses (e.g., hotel stays or temporary rentals) if your home becomes uninhabitable due to a covered event

Insurers typically require that a home meet certain construction standards and be permanently fixed to a foundation to qualify for regular home insurance.

What Is Manufactured Home Insurance?

Manufactured home insurance, also known as mobile home insurance, is designed for homes built in a factory and transported to their site. These homes may sit on temporary or permanent foundations and often differ in construction from site-built homes.

Like regular home insurance, manufactured home insurance typically covers the structure, personal belongings, liability, and additional living expenses in the event of a covered peril. However, it may also include specialized options tailored to factory-built homes, such as trip collision coverage in case your home is damaged during transport.

Insurers may consider factors like the home’s age, condition, and anchoring when determining eligibility and coverage options, so it’s important to review your policy to ensure it fits your home’s specific needs.

Home Insurance in Bainbridge, GA

In Georgia, various factors can affect manufactured and site-built homes differently. Selecting the right policy can offer better financial protection and minimize potential coverage gaps or claim complications. Edison Insurance Agency can explain eligibility requirements, highlight coverage differences, and help you find the right protection for your property. Contact us today to review your coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.