Modular
Home Insurance
Protection

Modular home insurance comes in multiple types, including dwelling insurance, personal property insurance, liability insurance, loss of use insurance, and more.

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Live Sky-Agent® Quote

You can call 1-800-771-7758 to speak with a LIVE Sky-Agent® about your Modular home insurance options

Get the Facts

When purchasing or building any modular home, it is crucial to know your facts. We listed some to start your journey.

Modular home insurance - Assurant modular home insurance

Prefab Differences

There are 3 different prefabricated homes, but they all have one thing in common. Find out what makes these homes unique.

Self Service Quote & Purchase Policy

Assurant Insurance knows that your Modular Home comes with unique liabilities. We can also find great deals on a comprehensive Assurant Modular Home Insurance policy. This coverage protects your modular home against direct, sudden, and accidental losses including:

This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed.

Assurant options and availability vary by state.

This website is operated by SkyBlue Insurance Agency, Inc., an independent insurance agency. We are licensed to quote and sell certain Assurant Insurance products. This website is provided for informational purposes only. While reasonable efforts have been made to ensure that the content is accurate, we make no representations as to the accuracy of availability of coverage. Matters pertaining to coverage are governed solely by the insurance policy issued to you.

SkyBlue Insurance Agency, Inc.,, is a licensed insurance producer resident in California with license number 0E72635, with its principal place of business at 4007 Paramount Blvd. Suite 100 Lakewood, CA 90712. SkyBlue Insurance Agency, Inc., services are only available in states where it is licensed, and insurance coverage through SkyBlue Insurance Agency, Inc., may not be available in all states.

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What is Modular Home Insurance?

If you live in a modular home, you’ll need a standard homeowner’s insurance policy, the same as for a traditionally built home. Homeowners insurance companies consider modular homes equivalent to site-built homes, unlike manufactured homes, which require different policies.

Depending on the modular home insurance policy you purchase, you will have coverage for various needs. While modular homes don’t pose special insurance risks, you aren’t exempt from standard risks. Coverage options include dwelling, personal property, and liability protection, plus add-ons like umbrella protection or extended coverage for valuables like jewelry.

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Dwelling insurance

Covers the structure of your modular home, as well as the foundation. This includes the systems in your home, such as electrical and plumbing, and coverage for your roof, walls, ceilings, and floors.

Liability insurance coverage

Protects people from costs associated with people being injured on the property a modular home rests on—also, expenses related to the owner being sued for many different reasons.

Additional Living Expenses

(ALE) coverage, also called loss of use coverage, pays for extra expenses you incur if your modular home is uninhabitable. For example, ALE coverage would pay for a hotel room if your house caught fire until your home was repaired and ready to live in once again.

Personal property coverage

This provides financial protection for the loss or damage of items in your home that is caused by covered perils. Covered perils for modular home insurance include fire, lightning, wind, vandalism, theft, and more. The personal property that is protected can consist of furniture, jewelry, electronics, clothing, and other items as well.

These are just a few of the things that are covered by modular homeowner’s insurance. These policies are similarly priced to standard homeowner’s insurance plans. SkyBlue insurance aims to put your mind at ease by searching for the BEST policy & rate that fits your needs.