Insuring Your Modular Home: What Every Homeowner Should Know
Insuring your modular home is as simple, and just as important, as insuring any traditional house. Once your home sits assembled on its foundation, insurance companies treat it just like any other site-built residence. That means you’ll have access to the same types of coverage and protection. Still, a few smart steps will keep you fully covered from the moment construction begins through long-term ownership.
Understanding How Modular Homes Are Classified
A common misconception is that modular homes fall into the same category as manufactured or mobile homes. In fact, they do not. Modular homes meet the same local and state building codes as site-built houses, typically the International Residential Code (IRC). They also sit permanently on a foundation. Because of that, they qualify for standard homeowners insurance policies.
When speaking with your insurance agent, make sure to clarify that your home is modular, not manufactured. That distinction can make a big difference in both your rates and the coverage options available to you.
Insuring Your Modular Home During Construction and Delivery
When insuring your modular home, have coverage in place before the home even reaches your property. Westchester Modular Homes insures the home at the factory and in transit. Then, once the crew sets the home on the foundation, the home buyer’s insurance policy takes over.
So any buyer of a modular home should understand their builder’s insurance. Also make sure coverage stays in place through all stages of construction.
Know What’s Covered and What’s Not
Your standard homeowners policy typically includes coverage for:
- The structure of your home
- Detached structures like garages or sheds
- Personal belongings
- Liability protection
- Additional living expenses if you’re displaced due to covered damage
As with any home insurance policy, it’s wise to review exclusions carefully. For example, you may need to add endorsements for flood, wind or earthquake coverage depending on your region.
Insuring Your Modular Home for the Long Term
Once insured, your modular home enjoys the same long-term protection, equity growth, and peace of mind as any traditionally built home. The key is being proactive. Start coverage early, keep your policy updated, and review it annually to reflect any upgrades or changes. If you have more questions, our modular homes FAQ covers many common topics.
About Westchester Modular Homes Construction Corp.
Westchester Modular Homes Construction Corp. (WMHCC) is an employee-owned company that has been building high-quality custom modular homes throughout the Northeast since 1986. WMHCC partners with Westchester Modular Homes, Inc. Together, they combine precision factory construction with expert on-site craftsmanship. The result is homes that are beautiful, durable, and built to last. From design through completion, the team is dedicated to a smooth building experience and exceptional value for every homeowner.
