Putting Manufactured Home Under a Homeowners Policy

adair · 05-22-2009, 08:32 PM

Good idea or bad?

In event of a loss or fire will they be covered?

djs · 05-23-2009, 12:49 PM

Do it all the time. What's the real question?

Cranson · 06-01-2009, 11:36 PM

It depends if it is a HUD or BOCA rated home. BOCA is better quality building materials and can usually go on a homeowners insurance policy with most companies. HUD rated homes are lesser quality and should be placed on a Mobile Homeowners Insurance policy based on the loss history for those types of homes. In the long run your loss ratio will be in much better shape if you write these policies correctly and not try to slide some mobile homes on a standard homeowners policy.

OCinsurance · 06-02-2009, 02:18 AM

Originally Posted by adair

Good idea or bad?

In event of a loss or fire will they be covered?

Are you quoting it on a manfactured home policy? Some carriers do not allow manufactured homes on their homeowners policies. I have access to several mobile home carriers if you need help.

tospears · 06-10-2009, 10:22 AM

I had this same question. I'm a college senior, just got licensed in SC. The area I will be working is mostly mobile homes and such. Thanks guys for answering this for me.

dolau · 06-25-2009, 06:44 AM

There is a separate insurance policy for mobile homes as it is considered differenctly as traditional homes.

You can read more about it here: http://mobilehomeshoppers.com/mobile...r-mobile-home/