A great many Apache Junction households own a manufactured home sitting on land belonging to somebody else. That arrangement is neither ordinary renting nor ordinary owning, and the cover has to reflect both halves.
You insure the home you own. The park insures the land. The space between them is where claims get argued.
Three things about owning a structure on rented ground.
A park insures its own property, roads and common facilities. Your home, your belongings and your liability are entirely yours. Residents sometimes assume lot rent includes some protection for the unit and it does not.
Carports, sheds, steps and skirting may belong to you or to the park depending on the agreement, and after a storm that question decides who repairs what. Reading the lot agreement once is worth more than the argument afterwards.
Many parks require residents to carry liability cover at a stated minimum, exactly as an apartment lease does. That figure protects the park. It is a floor rather than a calculation of what you need.
Separating what is yours from what is theirs.
Carport, shed and skirting are the usual uncertainties.
A minimum, set for their benefit rather than yours.
A lender on a manufactured home has its own requirements.
Tell us whether you own the home, rent the lot, and what structures came with the space.
We sort what is yours from what is the park’s before quoting.
Request a quote