Renting out a manufactured home is a narrower insurance market than renting out a house. Fewer carriers write it, and the ones that do ask different questions.
Non-owner-occupied manufactured housing is a specialist line. It is placeable and it is not placeable everywhere.
Three things about a narrower market.
Manufactured construction narrows the carrier market on its own. Non-owner-occupancy narrows it again. The combination is placeable and it is not something every agent writes, which is why owners sometimes conclude it cannot be insured when it simply was not shopped properly.
Year of manufacture, foundation type and tie-down condition are the questions that open or close the market. On a rental the owner is not the one living with the unit, so carriers ask about them more carefully, not less.
Where the home sits on a rented lot, the park agreement may limit or prohibit subletting. That is a contract question that no insurance policy resolves, and it is worth settling before buying a unit to rent out.
The specifics this market is rated on.
The three that decide who will quote it.
A park lot brings the park agreement into it.
A contract question with no insurance answer.
Send the year, the foundation type and whether the lot is owned or rented.
We shop a narrow market properly rather than declaring it uninsurable.
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