Here, we talk about what manufactured home insurance is and how to be a good customer.
Purpose of this Blog
The purpose of this blog is to give homeownership consumers allstate’s perspective on manufactured home insurance. Manufactured homes are a popular option for many people, and it can be tricky to understand the basics of home insurance when you own one. Our experts here at allstate want to help you understand what coverage is important for your home, and how to protect it in case of a loss.
What is a manufactured home?
Manufactured homes are homes that are custom-made by a builder, typically using an assembly line approach. The components are shipped to the builder from various suppliers and are then assembled on-site. This process allows for a quicker build time and less chance for errors. Manufactured homes were first produced in the 1920s and 1930s, but became popular during the housing boom of the late 2000s. Today, there are a number of different types of manufactured homes available, including single-family residences, condos, and townhomes. What is Allstate’s policy on manufactured home insurance? Allstate offers policies for manufactured homes as well as standard homeowners policies. The coverage is the same as for standard homeowners policies, with the exception of a few exclusions that apply specifically to manufactured homes. These exclusions may include coverage for demolition costs or damages caused by utilities that run through or under the home. Allstate also offers specialized product lines specifically designed to cover the dangers posed by manufactured homes. If you have a question about your policy or need additional information, please contact our customer service department at 1-800-458-8272. For more information about manufactured home insurance, please visit our
Tips to save money on manufactured home insurance
If you live in a manufactured home, you may be wondering how to save money on your home insurance. Here are some tips to help you get started: 1. Make a list of your gear and possessions in your home – This will help you determine what coverage you need. You may not need to purchase additional coverage for items that are common in a manufactured home, such as furnishings, appliances and electronics. 2. Choose an adequate policy – Manufactured home homeowners should opt for a policy that has higher limits than the coverage typically offered for traditional homes. This way, you can be confident that your property will be covered if something happens. 3. Shop around – Compare rates before settling on a policy. There may be several insurers available to cover manufactured homes, so it’s important to find one that meets your needs. 4. Get discounts – Many homeowners benefit from discounts offered by insurers for having a manufactured home specific policy. Ask your agent about available discounts and consider taking them before making a decision about which policy to buy.
Allstate manufactures a wide range of manufactured homes that can be insured through their home insurance policy. If your home was built after 1978 and is located in the US, Allstate will most likely carry the coverage required by law. If you have any questions about whether or not your manufactured home is covered, feel free to contact their customer service team.