Modular Home Insurance
Coverage for your modular home, belongings, and personal liability. Review construction, rebuilding costs, and policy options with a licensed insurance professional.
How this coverage works
How modular home coverage works
Modular homes are built in factory-produced sections and assembled at the property, typically on a permanent foundation. They follow applicable state and local building codes rather than the federal HUD code used for manufactured homes.
A completed, eligible modular home may qualify for a homeowners policy. The insurer reviews construction, foundation, location, occupancy, and condition before confirming the appropriate policy form and coverage options.
Property protection can include the home, eligible other structures, and personal belongings, with liability and additional living expenses for covered losses. The dwelling limit should reflect rebuilding costs rather than the purchase price or land value.
An unfinished home, modules in transit, or on-site assembly may require construction or transit coverage before an occupied-home policy is appropriate. Flood, earthquake, rental use, and business exposures also require separate consideration.
Details to review
- Modular construction and builder details
- Permanent foundation and occupancy
- Rebuilding cost and home improvements
- Roof, systems, and policy deductibles
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Owners of completed modular homes used as a primary residence
- Buyers arranging coverage for an eligible finished home before closing
- Homes assembled on a documented permanent foundation
- Seasonal homeowners who disclose occupancy and maintenance arrangements
Worth a conversation first
- Homes under construction or with modules still in transit
- Uncertain building-code records or foundation documentation
- Rental, short-term rental, vacant, or business occupancy
- Prior losses, roof concerns, or significant coastal and flood exposure
Availability varies by state
State regulation notice
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- Homeowners InsuranceCoverage for your home, belongings, and personal liability.Learn more
- Personal Umbrella InsuranceAdditional liability limits above eligible underlying policies.Learn more
Household coverage review
Review how your property, vehicles, and personal liability fit together. Eligibility and multi-policy options vary by insurance carrier and state.
- Property and belongings
- Vehicles and watercraft
- Personal liability
- Valuables and CollectionsReview individual protection for jewelry, art, and collections.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.