Can You Get Mobile Home Insurance Without a Permanent Foundation?

If you own or are considering buying a mobile home in Arizona, you may be wondering whether you can secure insurance coverage if your home isn’t set on a permanent foundation. At Bosway Auto Insurance Group, we understand that not every mobile or manufactured home is installed the same way, and we’re here to help you navigate your insurance options.

Understanding Mobile Home Insurance and Foundations

Mobile home insurance is designed to protect your investment from risks like fire, theft, weather damage, and liability claims. In Arizona, many mobile homes are placed on leased lots, in parks or on private land, sometimes with a permanent foundation, and sometimes without.

A permanent foundation typically means the home is anchored to the ground with concrete or masonry, making it more stable and secure. However, not all mobile homes have this setup, especially older models or those intended to remain movable.

The following are some important considerations:

• Eligibility—Insurance companies may have specific requirements for homes without permanent foundations, such as tie-downs or skirting, to help secure the structure.
• Coverage limitations—Policies for homes without permanent foundations may have restrictions or exclusions, especially regarding wind or flood damage.
• Inspection—Some insurers may require an inspection to assess the condition and stability of your home before issuing a policy.
• Value and age—The age and value of your mobile home can also impact your eligibility and the types of coverage available.

Learn More

If you have questions about insuring your mobile home, regardless of its foundation, contact us today. We’re here to help you protect what matters most. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.