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No matter how your home was constructed, Armor Insurance Professionals know how important your home is to you and your family. That is why we like to personally customize your insurance policy to be perfect for your mobile home.


Site-Built Homes vs. Modular or Manufactured Homes

Site-built homes generally tend to increase in value over the life of a 15- or 30-year mortgage, whereas modular or manufactured homes actually decrease in value over time, similar to a car, making them more like vehicles. This is the major difference when it comes to the value of the home.


What risks are greater?

  • Theft

  • Weather

  • Structural integrity issues

  • Health and safety


What can mobile home insurance cover?

  • Structural property damage (includes your home as well as porches, sheds, gazebos, garages, etc.)  

  • Personal property damage

  • Liability

  • Replacement cost coverage

A good idea is to go through all of your belongings and record the costs it would take to replace everything. This can help you determine how much insurance to get.  When it comes to compensation for losses, there are two things to keep in mind:

  1. Actual cash value: The value of the structure in the current market, taking depreciation into account

  2. Replacement cost value: The amount that it would cost to rebuild the structure to its original condition with similar materials


Keep in mind that with Armor Insurance Professionals, you get to personalize your insurance policies to suit your needs and circumstances. As a brokering agency, we can compare prices from different companies for you at no cost. Need help deciding on the right amount of protection that fits in your budget? Get an online quote now or speak with a friendly agent to get started!

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