Mobile Home Insurance You Can Count On In Raleigh, North Carolina

Mobile and Manufactured Home Insurance for Those Who Need It Most

Couple sitting on manufactured home patio

The Basics of Manufactured and Mobile Home Insurance

Everything You Need to Know About Coverage on Manufactured Homes

Mobile and manufactured homes house more than 22 million people in the United States, making mobile home insurance a necessity for Raleigh, North Carolina residents. The affordability, versatility, and modern structural strength allotted to this type of home makes it a popular option for individuals and families. Unlike houses built at construction sites, this type of structure is built in a factory and transported to its destination. Still, even in this housing category, a distinction between mobile and manufactured is often overlooked, especially when searching for home insurance.

The Department of Housing and Urban Development (HUD) regulates both structures; however, mobile refers to factory-built homes made before June 15th, 1976. Before HUD, mobile home safety regulations were more relaxed and loosely enforced. Any factory-built home following that date was built under a new federal law and referred to as manufactured. The law enacted strict construction regulations that improved the safety and quality of factory-built homes. These safety regulations are why manufactured homes have become popular dwelling choices.

The right insurance plan can ensure that you are financially protected against catastrophe. If you live in a factory-built home, homeowners insurance will not suffice. You must have a mobile and manufactured home insurance policy. Although both plans include dwelling, personal liability, and personal property coverage, manufactured homes are at risk for different perils and have claims. 

The type of construction and materials used make them more vulnerable, associating them with insurance risk. Additionally, the average value of a manufactured home is $89,000 as opposed to the $329,000 average for traditional homes. The differences in monetary value mean that homeowners insurance provides too much coverage for a manufactured property and may even be denied due to structural vulnerabilities if faced with a claim.

Finding mobile home insurance that fits your budget and needs is simple when you lean on Barber Insurance Agency in Raleigh, North Carolina.

The Ins and Outs of Mobile and Manufactured Home Insurance

What Your Policy Does and Does Not Cover

When it comes to manufactured home insurance, it pays to be precise. Knowing what and how much coverage you have could be the difference between a minor inconvenience and no longer having a roof over your head. In short, manufactured and mobile home assurance plans cover structural damage, personal items, and liability suits if someone gets hurt on your property. Let’s go deeper into what this means for you.

Dwelling Coverage will pay to fix your home if one of the covered perils causes damage. There is typically a deductible that you must meet before insurance pays out. However, most plans allow you to choose how much coverage you want and how high the deductible is. Lower deductibles will have higher premiums, or monthly payments, so consider that when choosing a policy.

Covered perils may include: 

  • Fire
  • Wind and Hail
  • Weight of Snow and Ice
  • Vandalism 
  • Damage from Wild Animals
  • Burst Pipes
  • Falling Objects
  • Explosions

Mobile home insurance policies are typically open peril accounts meaning they cover everything not explicitly excluded in your contract and may also include coverage for other structures on your property like detached tool sheds or garages.

Personal Property Coverage pays to repair or replace anything damaged by one of the covered perils. The amount of coverage depends on your policy. You can add additional personal property coverage if you have high-value items.

Mobile and manufactured home insurance policies typically operate on an actual cash value system, meaning payouts do not rely on an item’s worth at purchase. Instead, depreciation, aka the value lost through use and age, is accounted for, and your payout depends on what the value would be today.

With this kind of policy, it is crucial to keep an inventory of what you own, how much you paid, when you bought it, and receipts when possible. Storing the list somewhere besides your home is also a good idea. It is far too common for inventory lists to be destroyed during the peril, leaving you without when you need it most.

Liability Insurance is the most valuable asset of any home insurance policy. Liability coverage protects you and your assets if an injury occurs on your property. Insurance companies will payout for hospital bills and court fees in a lawsuit, relieving you of all or most of the financial burden. Most plans also cover unintentional damage you cause to another person’s property.

For more information on manufactured home insurance liability coverage, you should contact a Barber Insurance agent; we have the best agents in Raleigh-Durham, North Carolina.

Be sure you know what is covered under your policy as well as what is not. Common Exclusion:

  • Flooding
  • Insects
  • Animal Infestation
  • Wear and Tear
  • Damage Associated with an At-Home Business

Single-item policies exist to extend your coverage, such as flood, theft, or added expense insurance, which pays for repairs that cost more than expected. However, it is best to speak with a Barber Insurance agent for a complete list of exclusions, coverages, and information on extending your insurance policy.

Determining Mobile Home Insurance Cost in Raleigh, North Carolina

Manufactured Home Insurance Cost Analysis and Paying Less for More

Unlike other home insurance policies, mobile and manufactured homes do not have a standard rate. As a result, prices vary throughout the country and from company to company. However, there are ways to estimate how much you will pay and determine factors that will cause you to spend more or less every month.

Factors to Consider:

  • Distance from First Responders
  • Crime Rates in Your Neighborhood
  • Odds of Natural Disaster (flooding, tornados, earthquakes, etc.)
  • Value, Age, & Condition of Your Home
  • Additional Policies that Extend Coverage
  • Deductible Levels

These factors add to how expensive your manufactured and mobile home insurance is. Unfortunately, the nature of factory-built homes leads to high premiums because they are more of an insurance risk. However, the good news is that once you know what is causing you to have a high premium, you can talk to a Barber Insurance agent about how to bring it down.


Most insurance companies will offer discounts for bundling multiple sources of insurance, such as home and auto. Bundles are a good way of saving about 15% on each policy and lowering your rates. 

Additional Discounts:

  • Senior Citizens
  • Only Owner
  • Upgraded Security Features

For a complete list of discounts available, reach out to a member of the Barber Insurance team. We are here to help!

Frequently Asked Questions About Mobile Home Insurance

All of Your Manufactured Home Insurance Questions in One Place

Regarding home insurance, especially for manufactured homes, it is normal to have questions. Below are some of the most common questions we receive, but the list is not comprehensive. Contact a Barber Insurance Agent to answer additional questions.

Do modular homes fall into the manufactured home insurance category?

No. While modular structures are also factory-built and transported, they are sent in pieces to be built on a foundation like traditional homes. As a result, they tend to be stronger and are more difficult to damage. For this reason, coverage is more likely to come from homeowners insurance.

Is mobile home insurance required?

There is no legal mandate to insure your manufactured home. Therefore, you do not have to maintain coverage; however, if your home is seriously damaged or there is an injury on your property, you alone will have to bear the financial consequences.

Why are manufactured homes more expensive to insure?

The cost of insuring your home is heavily dependent on how much of a risk it is to insure. Dwellings that are easier to damage or located in a risky area (meaning anything from high crime rates to the likelihood of being hit by a natural disaster) will always have higher premiums. This is simply because the insurance company is more likely to have to pay.

How much coverage do I need for my manufactured home insurance?

This answer depends on your specific needs. For example, you may want a higher-valued policy if you have items you cannot replace on your own. It also depends on your home’s size, age, and value.

Experienced – Knowledgeable – Helpful

Mobile Home Assurance the Barber Insurance Way

Barber Insurance has served the Raleigh-Durham, North Carolina, community for 23 years. We are uniquely aware of this area’s manufactured and mobile home insurance needs and can help you meet them. We are committed to education and ensuring you have what you need. At Barber Insurance, we have the heart of teachers, so ensuring you understand your purchase is essential to us.

Our manufactured home insurance experts can answer any question and are ready to introduce you to the Barber Insurance way.

Connect with a Trusted Agent Today!