Manufactured Homes

Insuring a manufactured home in a manufactured home park is  similar to insuring a stick built home in a neighbourhood. You need to insure the main building, any sheds or extra buildings, your contents and your personal liability 

Due to different building codes used over the years to build manufactured homes, the age of the building is very important. Older homes used 2x3 construction, had aluminum wiring, wood paneled interiors, and often substandard insulation and building materials. Newer units are often built with 2x6 construction, steel frames, high insulation factors, and drywalled interiors. The older units had low fire ratings, meaning they could burn quickly, while the newer units are much more like a standard construction home. Therefore, older units are often more expensive to insure, and are sometimes not able to purchase replacement cost coverage, while the newer units, especially if located on a full foundation, can be insured at excellent rate levels.

Underwriters Insurance Brokers have a variety of options for insuring manufactured homes, but due to the very specific nature of the coverages, it is hard to outline these on a website. Give any of our offices a call, and we would be pleased to quickly analyze your needs and recommend a solution for you.

Click on our Locations and Contact bar for a location near you, and a member of our Personal Solutions Team will be pleased to help you.