Protection Designed for Your Manufactured Home and Lifestyle

Mobile and Manufactured Homes require specialized insurance that accounts for their unique structure and location risks. JC Insurance Collective provides comprehensive coverage built for your specific home and community.

Why Standard Homeowners Insurance Doesn't Fit

Because mobile homes are built in a factory and often placed on leased land or in communities, they are subject to different regulations and unique risks compared to site-built homes. A standard HO-3 policy typically won't provide adequate coverage.

  • Custom-Fit Coverage: We offer policies (often referred to as an HO-7 or an equivalent Manufactured Home policy) that are specifically designed to cover the structure, fixtures, and liability risks associated with your home type.

  • Unique Hazard Protection: We include coverage for hazards that specifically affect manufactured homes, such as damage from shifting or settling foundations and coverage during transport or relocation.

  • All-Risk vs. Named Peril: We help you understand the difference and secure the most comprehensive coverage available for the structure of your home.

Complete Coverage for Structure and Contents

A specialized mobile home policy includes the following essential coverage components:

  • Dwelling (Structure)- Covers the physical structure of your home, attached garages, carports, and permanent foundations against covered perils (fire, wind, hail, etc.).

  • Personal Property- Covers the contents inside your home, such as furniture, clothing, appliances, and electronics.

  • Other Structures- Covers detached structures on your property like sheds, decks, fences, and detached utility buildings.

  • Personal Liability- Provides financial protection if you are found legally responsible for bodily injury or property damage to others that occurs on your property.

Crucial Add-Ons for Manufactured Homeowners

These specialized options are critical for providing full protection and peace of mind when owning a manufactured home:

  • Replacement Cost Coverage: Pays for the cost of replacing your damaged property with new materials of like kind and quality, without deduction for depreciation (Applies to both the Dwelling and Personal Property). This is crucial, as some basic policies only offer Actual Cash Value (ACV).

  • Debris Removal: Covers the often-high cost of removing debris after a major claim, especially after a total loss due to wind or fire.

  • Loss Assessment: If you live in a mobile home community with an HOA, this covers your share of a damage assessment levied by the association for damage to common areas.

  • Renter's Policy (If Applicable): For tenants living in a rented mobile home, we offer policies that cover your personal belongings and liability, even if you don't own the structure.

Ready to Protect Your Investment and Your Future?

Don't settle for generic insurance that leaves gaps in coverage. JC Insurance Collective works with leading carriers to find comprehensive, tailored mobile home protection at a competitive price. Let's find your policy today.