Manufactured Home Insurance in Florence, SC

Manufactured homes offer an affordable and flexible housing option in Florence, SC, but like any property, they come with unique insurance needs. Whether your home is anchored in a park or on private land, protecting it with the right insurance coverage may help you stay financially secure if the unexpected happens. Having a policy tailored to your situation can make a meaningful difference.

What Does Manufactured Home Insurance Typically Cover?

Most manufactured home policies can cover the structure itself, personal belongings inside and liability if someone is injured on the property. Coverage may also extend to attached features like porches or carports and detached structures like sheds. In Florence, SC, where severe weather can be a concern, policies might include or offer wind and hail coverage, although some carriers may require separate endorsements depending on location.

Is Manufactured Home Insurance Required?

While insurance isn’t mandated by law in most cases, mortgage lenders or mobile home park agreements may require it. Even if it’s not required, having insurance may be a practical safeguard. It can help cover repair or replacement costs after damage and may also provide legal and medical coverage if a guest is injured on your property.

How Is It Different From Standard Homeowners Insurance?

Manufactured home insurance is designed specifically for factory-built homes, which may have different structural risks than site-built homes. Policies often take into account the home’s foundation type, transport history and construction materials. These differences can impact how coverage is structured and what’s included by default.

Learn More

Contact Ed Smith Insurance today to explore customized coverage that fits your budget and lifestyle in Florence, SC.