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May 9, 2026
Manufactured home insurance covers HUD-code homes that standard HO-3 policies are not designed for. Learn about wind risk, tie-down requirements, and state-specific considerations across all 7 states we serve.
Manufactured homes — often called mobile homes or HUD-code homes — are an important and affordable form of homeownership across all 7 states we serve. But standard homeowners insurance (HO-3) is not designed for them. Manufactured home insurance (sometimes written as an HO-7 or MH-specific form) covers the unique risks and construction characteristics of factory-built homes built to HUD safety standards.
Dragon Insurance Services helps manufactured home owners across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky find the right coverage for their home, their belongings, and their liability — at a price that fits their budget. Explore our manufactured home insurance coverage options or read on for a full guide.
This distinction matters for insurance purposes:
Manufactured Home (HUD Code)
Built in a factory to federal HUD standards established in 1976. Transported to the site on a permanent chassis. Technically remains personal property unless permanently affixed to a foundation and titled as real property. Requires specialized manufactured home insurance — not a standard HO-3.
Modular Home
Built in sections in a factory and assembled on a permanent foundation on-site. Meets the same local and state building codes as site-built homes. Considered real property and can typically be insured with a standard HO-3 homeowners policy. Your agent can confirm which type you have.
Dwelling Coverage
Covers damage to your manufactured home's structure — walls, roof, floors, built-in appliances, and attached structures like decks or add-ons — from covered perils including fire, wind, hail, lightning, theft, vandalism, and water damage from burst pipes or appliances. Coverage should be based on the replacement cost of your home, not its market value or loan balance.
Personal Property Coverage
Covers your furniture, electronics, clothing, appliances, and personal belongings inside the home. You can choose between replacement cost (pays today's prices to replace without depreciation deduction) and actual cash value (pays depreciated value). Replacement cost is recommended.
Liability Coverage
Protects you if a guest is injured on your property and files a lawsuit, or if you accidentally damage someone else's property. Most manufactured home policies include at least $100,000 in liability. Increase this limit if you have significant assets to protect, or add a personal umbrella policy.
Loss of Use / Additional Living Expenses
If a covered loss makes your home uninhabitable, this covers your temporary housing costs — hotel bills, rental housing, and extra living expenses — while repairs are completed.
Other Structures
Covers detached garages, sheds, fences, and other outbuildings on your property — typically 10% of the dwelling coverage limit.
Manufactured homes are generally more vulnerable to wind damage than site-built homes. This matters significantly across our 7 states:
High wind-risk states in our service area
How to reduce wind risk and potentially lower your premium
Manufactured home insurance is typically more affordable than standard homeowners insurance due to lower replacement costs per square foot. However, rates vary considerably by state, age of home, and location. General estimates:
| State | Typical Annual Estimate |
|---|---|
| Pennsylvania | ~$600 – $1,100/year |
| Texas | ~$1,000 – $2,500+/year |
| Virginia | ~$600 – $1,200/year |
| Maryland | ~$600 – $1,100/year |
| Ohio | ~$550 – $1,000/year |
| Tennessee | ~$750 – $1,400/year |
| Kentucky | ~$700 – $1,300/year |
Estimates are for general reference based on market data. Your actual premium depends on home size, age, construction type, location, coverage limits, tie-down status, and carrier. Contact us for a personalized quote.
No state in our service area requires manufactured home insurance by law. However:
Have your home's year, make, size, and current location ready — we can typically get a quote started in one conversation.
Visit us: 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011
Serving manufactured home owners across PA, TX, VA, MD, OH, TN, and KY.
Dragon Insurance Services LLC is a licensed independent insurance agency. Manufactured home insurance is not mandated by state law in the states we serve, though lenders and community operators may require it. Coverage terms, eligibility, and rates vary by carrier, home age, construction type, location, and individual circumstances. The distinction between manufactured and modular homes affects which policy type applies — consult your agent if you are uncertain which category your home falls under. Rate estimates are general market examples and do not constitute a quote or guarantee of specific pricing. Contact us for a personalized quote.
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