Colorado Mobile Home Insurance

Your Complete Mobile Home Insurance Guide for Colorado

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Mobile homes have come a long way. They currently make up 4.9% of all housing units in Colorado. Also referred to as manufactured homes, these affordable houses often have the outward appearance of traditional homes. Although manufactured houses are often permanently anchored in place, they do require the specialized coverage of a mobile home insurance policy.

If you are the proud owner of a mobile or manufactured home, you can contact a local independent insurance agent for help finding the best policy to cover it. These agents work with several different insurance providers so they make it easy for you to find the best and most affordable mobile home insurance in Colorado. Find an independent insurance agent near you to get started.

What Is Mobile Home Insurance?

Mobile home insurance (or manufactured home insurance) is a special type of homeowners policy designed to cover a different set of risks compared to traditional site-built homes. Manufactured and mobile homes are built in a factory using lighter materials than are used in traditional homes. These houses are then transported to a site where they are assembled and typically tied down via ground anchors for stability. Because manufactured homes are designed and built differently than traditional site-built homes, they need a special insurance policy that assumes the added risks that come with owning a strapped-down home as opposed to one built on a concrete foundation.

Is Mobile Home Insurance Required in Colorado?

Mobile home insurance is not required by law. However, it is required by lenders if you have a mortgage on the property or if you have a home equity loan. Also, if your home is located in a mobile home community or park, you may be required by the landowners to have this insurance coverage. 

Even though this coverage may be optional once you own your home outright, it is still a good idea to have it. The average value of a mobile home in Colorado currently stands at $83,984. If your house is destroyed in a disaster like a fire or a tornado, that will result in a large financial loss for you if you are uninsured.

How Much Does Mobile Home Insurance Cost in Colorado?

Manufactured homes tend to have a higher risk of damage, particularly when facing heavy winds, hailstorms, and wildfires. However, because these houses are usually smaller than traditional homes and tend to have lower rebuilding costs and contents coverage needs, these factors tend to balance out when it comes to rates. The cost to cover a mobile home can vary from person to person. Factors that can influence your costs include:

The only way to know how much mobile home insurance in Colorado will cost you is to start requesting customized quotes. A local independent agent can do the comparison shopping legwork for you.

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Mobile Home Insurance Coverage in Colorado

The coverage offered by a mobile home insurance policy is similar to traditional homeowners insurance. You can expect your policy to provide the following:

It is important to note that some things are not covered by mobile home insurance:

How Can I Find the Best Mobile Home Insurance in Colorado?

Mobile home insurance is offered by many different insurance companies. How do you know which one to choose? A local independent insurance agent can help you find a reliable policy that not only offers all the coverage you need but also comes at a highly competitive price. There are more than 250 independent insurance agencies in Colorado, so it should be easy to find one near you. 

Contact a local insurance agent to get more information and to start comparing customized mobile home insurance quotes.

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