Homeowners Insurance

Homeowners’ insurance is intended for conventional houses that are constructed on-site and permanently fixed to a foundation. This type of policy protects the physical structure of the home, the homeowner’s personal belongings, liability exposures, and additional living costs if the home becomes uninhabitable due to a covered loss. It is generally written with the expectation that the property is built using standard construction methods, has permanent utility connections, and offers long-term structural durability.

Mobile Homeowners Insurance

Mobile Homeowners Insurance is designed specifically for manufactured or mobile homes. These homes are generally constructed in a factory setting and then transported to their final location. They may or may not be permanently secured to a foundation. Due to their construction process, potential mobility, and increased vulnerability to certain hazards such as strong winds or transportation-related damage, mobile homes require specialized policy provisions, endorsements, and underwriting guidelines.

Both policy types adhere to the standard ACORD hierarchy:

→ Policy

→ Location

→ Homeowners Dwelling 

→ Driver

→ Vehicles

→ Coverage

→ Additional Interest 

→ Forms 

→ Remarks

Why are two insurance policies required?

Dwelling Classification & Construction Codes

• Homeowners (HOMEP):
  Site-built construction
  Permanent foundation assumed
  Standard ISO dwelling types
• Mobile Homeowners:
  Factory-built/manufactured homes
  May not be permanently affixed
  Requires mobile/manufactured home indicators, tie-down details, and HUD compliance fields

Coverage Availability

Certain coverages (Transportation, Roof Foundation Discount, and Tie-Down Discount) apply only to mobile homes.

General Difference