Colorado Manufactured & Mobile Home Insurance
Manufactured housing is some of Colorado's most important affordable housing, and it deserves real coverage, not an afterthought policy. We write manufactured and mobile homes statewide through carriers that specialize in exactly this kind of housing.
Coverage built for manufactured homes
Manufactured homes need carriers that understand their construction, their parks, and their title situations. Generic markets decline what specialty markets price happily.
- Dwelling coverage on a replacement cost or stated value basis, fitted to the home's age and condition.
- Other structures: carports, awnings, decks, and sheds, which standard forms often shortchange.
- Personal property and loss of use like any homeowners policy.
- Liability for the household, in-park or on owned land.
- Trip collision when a home is being moved.
- Park-required coverage handled to your community's specifications.
In a park or on your land
Park homes, homes on owned acreage, and homes permanently affixed on foundations each rate differently and sometimes use different products entirely. We sort that out up front.
Older homes welcome
Pre-1976 mobile homes and older manufactured units are the classic decline elsewhere. Our specialty markets write them, with sensible valuations.
Rented-out units
A manufactured home you rent to tenants is a landlord risk, not a homeowner risk. We cover those too, and the lease and coverage need to match.
Manufactured home FAQs
Replacement cost or actual cash value?
Newer homes usually qualify for replacement cost, which rebuilds or replaces the home without depreciation. Older homes may be ACV or stated value. We explain what your home qualifies for and what the premium difference buys.
Does hail coverage work the same as site-built homes?
The exposure is the same Colorado hail, and deductible structures matter just as much. We review wind/hail terms on every manufactured home quote, including metal roof and membrane considerations.
My park requires insurance. Can you handle their paperwork?
Yes. We issue proof of coverage to park management quickly and keep it current at renewal.
Do tie-downs and skirting affect my premium?
Often yes; anchoring and wind mitigation features matter to manufactured home carriers, especially for wind and hail. Documenting them helps both eligibility and price.
Is my manufactured home covered while being moved?
Only with trip collision coverage arranged for the move. Standard policies exclude transport, and a home on the highway is its riskiest day. One call before the move solves it.
Can I rent out my manufactured home?
Yes, with a landlord-rated manufactured home policy rather than an owner-occupied one. The occupancy honesty rule applies here exactly as it does for site-built rentals.
My home is in a park that requires insurance. What do they need?
Typically proof of liability and sometimes property coverage with the park noted. We issue compliant proof quickly and keep it current at renewal so lot leases never get tangled.
Get your manufactured home quote
Year, make, location, and roof type. Quotes are usually same-day.