Mobile home Insurance

At Robust Financial, we have MANY options available for mobile homes/manufactured homes and modular properties. Due to the risk associated with insuring these types of exposures, most insurance companies will DENY obtaining replacement cost coverage on homes that are more than 15 years old. With our mobile homeowner’s program, we have insurance companies available that OFFER policies with replacement cost for older properties.

There are different policy types for manufactured/mobile and modular homes. It will be advantageous to identify what type of property we will be insuring before working up the BEST quote on your home.

What is the difference between a mobile/manufactured home, and modular home?

Modular Home - these homes are created in a manufacturing plant and produced in two or more sections. These sections are then transported to site and ASSEMBLED on a permanent concrete slab. They are not like mobile homes, as they can’t be moved once built. Modular homes are handled like a traditional single family home during sell/buy process. However, some of the preferred insurance companies will not insure a home if it is a modular home. Contact us… Robust Financial’s licensed professionals will only work with the companies that will insure this type of home on your BEHALF!

Mobile Home- Mobile Homes are usually identified as Manufactured Homes. Nonetheless, these homes are slightly different. A mobile home refers to a manufactured home built PRIOR to 1976. We have insurance markets available to provide replacement cost coverage or agreed value coverage for these HARD to place insurance risk.

Manufactured Home- Manufactured Homes are COMPLETELY built in a factory under the federal building code administered by the Department of Housing and Urban Development (HUD) and transported to site to be place on solid foundation that will be tied down and have placed skirting. These homes are constructed to meet the Federal Manufactured Home Construction and Safety Standard Act of June 15, 1976 to regulate construction, durability, transportability, energy efficiency, and QUALITY. Manufactured homes usually come in one or two-section units and their dimensions range from 8 feet or more wide and 40 feet or more long. Robust Financial can definitely help with the insuring process at highly COMPETITIVE rating!

So What Can I Do To Get Insured?

Click on the Contact Us tab or Get a Quote tab. Our licensed agents are available NOW to assist in the insuring of your property.

Need a Binder Fast?

We can get you insured right AWAY for your home closing…..Call Us Today!