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Manufactured Home


Our program accepts homes that are factory-built – a single-wide, double-wide, triple-wide, or 2-story modular.

This program can be endorsed to protect the home when used as a seasonal home or rental property.

Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents. This kind of coverage is sometimes referred to as "special form" coverage.

For a total loss, we settle at the stated value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.

Your belongings are protected on an actual cash value basis, but you can upgrade the policy to a replacement cost valuation.

If someone is injured in your home, or if you accidentally injure someone or damage property away from your home, you may be liable.

If a covered peril causes sufficient damage that you need to move out, we cover the extra living expenses until repairs are complete or you find a new home.

Todays homes include expensive appliances and integrated technology systems. The unexpected repair or replacement expense can be a real financial blow. Unfortunately, a typical insurance policy excludes failure due to mechanical or electrical breakdown.

American Moderns Breakdown Protection coverage fills that gap, covering the sudden and accidental breakdown of electrical and mechanical systems, those built into the home and others purchased later:

A typical insurance policy does not cover mechanical or electrical breakdown. This endorsement fills in that policy gap, and eliminates the need for a separate warranty.

With one company insuring both the home structure and the equipment covered by the endorsement, claim filing is easier.

The cost of the endorsement is far lower than a separate home warranty or service contract.

If covered repairs force your family to temporarily relocate, the policy provides extra expense benefits. Food spoilage and pollutant cleanup are included, too.

American Modern is the first manufactured home insurer to offer this special coverage.

Essential for homes just bought from a dealer, and required by some lenders, this endorsement protects your home during the time between loan closing and occupancy.

Identity theft is a growing problem with real harm being done to a persons credit report. This special option provides professional assistance and up to $15,000 in expense reimbursement.

Many customers want the convenience of monthly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.

You can pay in full at the time you start or renew the policy. Pay by personal check, credit card, or bank account transfer.

We offer many ways for you to pay your premium. Learn more >

If you want a quote now, or have questions about our mobile home program, call us at 866-884-6167.

Our hours are 8 a.m. to 8 p.m. Monday through Friday.

After hours, fill out this short form with information about your mobile home. One of our agents will follow up with you to talk about the policy cost, the coverage, and your options.

However you first reach us, your business will be assigned to an authorized agent for service and support. We appreciate your interest in American Modern and our specialty insurance programs.

Both theft and burglary endorsements cover stolen property, whether its copper piping, permanently attached items (ex. heat pump or appliances), or personal effects.

But the two types of coverage differ as to how the thief entered the house.

So what happens if there is a break-in but nothing is actually stolen? Vandalism coverage protects the policyholder if a would-be thief ruins the drywall or cabinets but does not manage to cut out the pipes or steal the heat pump.

When you purchase insurance coverage for your home or property – particularly for more vulnerable vacant homes – be sure to ask your agent whether the policy covers theft or burglary, or both. And ask about vandalism, too.

If your mobile home is not tied down, it could get rolled or flipped in a tornado or severe windstorm. Thats why tie-downs are commonly required on all new manufactured homes.

What are tie-downs? Theyre a simple system of heavy-duty straps and galvanized steel anchors that secure the home to the ground. As long as they are properly installed and maintained, they will last for a long time.

Whether your home is old or new, make sure its tied down. Here are some important safety tips:

Learn more safety tips from the International Association of Certified Home Inspectors.