Own a modular home? Because modular homes are built to the same building codes as site-built homes — just constructed off-site and assembled on a permanent foundation — they’re typically insured under a standard homeowners policy rather than a manufactured/mobile home policy. Knowing which type applies to your home matters, since insuring it the wrong way can leave gaps in coverage.
What Does Modular Home Insurance Cover?
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Dwelling coverage — protects the physical structure against risks like fire, wind, hail, and certain water damage
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Personal property coverage — covers belongings inside your home
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Liability protection — helps with costs if someone is injured on your property
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Additional living expenses — helps with temporary housing if your home becomes uninhabitable after a covered loss
Modular Home Insurance vs. Mobile/Manufactured Home Insurance
This is the most common point of confusion. Modular homes are built in sections at a facility, then transported and permanently assembled on-site on a foundation — meeting the same codes as traditional homes. Mobile/manufactured homes are built on a non-removable steel chassis and regulated under different federal standards. Because of this, modular homes usually qualify for standard homeowners coverage, while mobile homes typically need a specialized policy.
How to Find Affordable Modular Home Coverage
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Bundle modular home and auto insurance with the same carrier for potential savings
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Ask about discounts for a newer build, security system, or claims-free history
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Compare multiple carriers instead of assuming your first quote is the best fit
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Work with an independent agent who understands how your home is classified and insured accordingly
Why Work With a Local Independent Agency
Aloha Insurance Co is an independent agency based in Westminster, CO, which means we’re not limited to one insurance company. We compare options across our carrier network — including Foremost, National General, Travelers, Geico, Allstate, and Liberty Mutual — to help you find tailored, competitive coverage for your modular home. As your needs change, we’re here to help you review your policy year after year.
We proudly serve homeowners across Westminster, Thornton, Northglenn, Arvada, Aurora, Broomfield, Commerce City, and the greater Denver metro area.
Get a Modular Home Insurance Quote Near You
Whether you’re insuring a modular home for the first time or reviewing your current policy, Aloha Insurance Co is here to help you find coverage that fits.
📞 303-489-0889 | alohainsuranceco.com
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
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