Manufactured Home Insurance

Protection Built Around the Place You Call Home.

Whether you’ve owned your manufactured home for years or recently moved in, protecting it should feel straightforward—not complicated. American Traditions combines specialized expertise, dependable coverage, and responsive service to help you protect the place where life happens.

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What’s Covered

Manufactured home insurance includes several key coverages that work together to help protect your property, your possessions, and your financial future when covered losses occur.

Dwelling

Protects the physical structure of your manufactured home from covered losses, helping you repair or rebuild after unexpected events like fire, wind, hail, and more.

Personal Property

Helps protect the belongings that make your house feel like home—including furniture, electronics, clothing, appliances, and other personal possessions.

Scheduled Attachments

Extends coverage to qualifying attached or appurtenant structures such as carports, sheds, attached garages, and screen rooms.

Personal Liability

Helps protect your financial future if you’re legally responsible for accidental injuries or property damage involving others.

Additional Living Expenses

Helps cover temporary housing and certain everyday living expenses if a covered claim makes your manufactured home temporarily uninhabitable.

Personalized Protection

Enhance your policy with additional coverage options tailored to your home, lifestyle, and budget, helping protect what matters most as your needs evolve.

Why Homeowners Choose American Traditions

Local Expertise.
Dependable Protection.
Confidence Moving Forward.

  • Specialized expertise in manufactured home insurance
    We understand the unique coverage considerations of manufactured homes and help simplify the insurance process.
  • Independent agent network
    Work with knowledgeable local agents who can help tailor coverage to your needs.
  • Responsive claims experience
    When the unexpected happens, our claims professionals work to help you recover quickly and fairly.
  • Flexible coverage options
    Choose coverage designed around your home, belongings, and budget.
  • Straightforward service
    Clear communication, dependable underwriting, and a commitment to making insurance easier.
  • Trusted protection
    For decades we’ve helped homeowners protect what matters most.
Why Homeowners Choose American Traditions

Local Expertise.
Dependable Protection.
Confidence Moving Forward.

  • Specialized expertise in manufactured home insurance
    We understand the unique coverage considerations of manufactured homes and help simplify the insurance process.
  • Independent agent network
    Work with knowledgeable local agents who can help tailor coverage to your needs.
  • Responsive claims experience
    When the unexpected happens, our claims professionals work to help you recover quickly and fairly.
  • Flexible coverage options
    Choose coverage designed around your home, belongings, and budget.
  • Straightforward service
    Clear communication, dependable underwriting, and a commitment to making insurance easier.
  • Trusted protection
    For decades we’ve helped homeowners protect what matters most.

Getting Started is Easy

Whether you prefer working with a trusted local agent or purchasing directly, getting the right manufactured home insurance starts with a few simple steps.

Step 1

Tell Us About Your Home

We’ll gather a few details to better understand your manufactured home and coverage needs.

✓ Home address
✓ Year built
✓ Size and features
✓ Primary or seasonal residence

Step 2

Choose the Protection That’s Right for You

We’ll help you determine the coverage limits, deductibles, and optional protections that best fit your home, belongings, and budget.

✓ Home coverage
✓ Personal property
✓ Liability protection
✓ Additional coverage options

Step 3

Get Covered with Confidence

Purchase your policy through one of our independent agents or, where available, complete your quote directly online—whichever works best for you.

✓ Work with a local expert
✓ Buy online when available
✓ Review your policy anytime

Questions Along the Way?

Our independent agents are here to answer questions, explain your options, and help you choose coverage that fits your home and your lifestyle.

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Let’s Find the Right Coverage Together

Whether you’re purchasing a new manufactured home or reviewing an existing policy, we’re here to help you explore coverage options with confidence.

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Frequently asked questions

Manufactured home insurance typically helps protect your home’s structure, personal belongings, attached and detached structures, personal liability, and additional living expenses if a covered loss makes your home temporarily uninhabitable. Coverage options vary, so your independent agent can help tailor a policy based on your home’s value, location, and individual needs.

Manufactured home insurance provides many of the same coverages found in a traditional homeowners policy. The biggest difference is that manufactured homes are built off-site and permanently installed at their final location. As a result, additions such as carports, screen rooms, and attached garages may need to be listed separately on the policy to ensure they are properly covered.

No. If your manufactured home is paid off, you aren’t typically required to carry insurance. However, insurance can still provide valuable protection for your home, personal belongings, and finances by helping cover unexpected events such as fire, wind damage, theft, liability claims, and other covered losses.

Typically, you should insure your manufactured home for the amount it would cost to repair or replace it with materials of like kind and quality. This helps ensure you have adequate coverage to restore your home if a covered loss occurs.

Yes. We offer a variety of optional coverages that allow you to customize your manufactured home insurance policy to better fit your specific needs and budget. Your agent can help you select the coverage options that are right for you.

You can obtain a manufactured home insurance quote in one of two ways: by contacting a local American Traditions independent agent or by starting a quote online, where available. To help make the process easier, have a copy of your home’s title and the manufacturer’s information readily available.