At $211,500, the lowest median in the East Valley, a large share of Apache Junction housing is manufactured. Those homes are insured on their own forms, not on a homeowners policy.
A manufactured home needs a manufactured home policy. A standard homeowners form is the wrong contract.
Three things that differ about a manufactured home.
Manufactured and mobile homes are written on their own forms by carriers who specialize in them. A standard homeowners policy is not simply more expensive for one, it is generally unavailable. Owners who bought through a general agent sometimes hold cover that was never right for the structure.
Many manufactured home policies settle at actual cash value rather than replacement cost, which on an older unit can be a fraction of what replacing it costs. Replacement cost is available from some carriers and it is the single most consequential term on the policy.
How the home is anchored, whether it sits on a permanent foundation, and its age all affect both price and whether a carrier will write it at all. These are physical facts about the unit rather than judgments, and they are worth knowing before shopping.
The facts a manufactured home carrier asks for.
The three questions that open or close the market.
The difference on an older unit is very large.
It changes the policy and the liability picture both.
Send the year and make of the home and tell us whether you own the land.
We place manufactured homes with carriers that actually write them.
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