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Bancorp Insurance

Comprehensive Insurance Programs for Business, Auto, Home, Life and Health

Personal Insurance

Manufactured Home Insurance

Whether it’s a manufactured home, mobile home, tiny home, or park model — it’s your home, and it deserves real protection. We specialize in coverage for the homes others won’t insure.

Finding quality coverage for manufactured homes has become harder — but not with Bancorp. We specialize in this market and can insure homes others won’t touch.

What Our Manufactured Home Insurance Covers

Comprehensive protection tailored specifically to the unique requirements of manufactured and mobile homes.

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Dwelling Coverage

Covers complete or partial loss of your manufactured home due to fire, lightning, wind, hail, snow, burst water pipes, and other covered perils. Available with stated value loss settlement.

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Personal Property

Protects your personal belongings inside the home on an actual cash value or full replacement cost basis — depending on the year of construction and home condition.

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Personal Liability

Full personal liability — not just premises liability — protects you if someone is injured on your property or you’re responsible for damage to someone else’s property.

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Outbuildings & Structures

Full value replacement cost coverage available for outbuildings, carports, garages, and other structures on the property — not just the main dwelling.

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Flexible Usage

Whether your home is owner-occupied, seasonally used, rented to tenants, or currently vacant — we have coverage options to match your situation.

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Extended Replacement Cost

Depending on year of construction and property maintenance, extended replacement cost coverage on the dwelling may be available — providing a cushion above your policy limit.

Designed for Every Type of Manufactured Home

Our program covers a wide range of home types and use cases that standard homeowners programs often exclude.

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Manufactured Homes
HUD-code homes built after 1976
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Mobile Homes
Older mobile home styles
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Tiny Homes
On foundation or with wheels
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Park Models
Seasonal or year-round park living
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Rental Units
Owner-occupied or tenant-occupied
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Seasonal Homes
Part-time or vacation occupancy

Save Up to 10% or More

Our agents can find solutions that bundle coverage and unlock meaningful discounts on your manufactured home insurance.

  • Multi-policy discounts when bundling with auto
  • Age-of-home and renovation credits
  • Security system and smoke alarm discounts
  • Claim-free and loyalty discounts
  • Park/community association discounts (where applicable)

Why an Independent Agent?

Standard insurers often decline manufactured homes or offer limited coverage at high rates. As an independent agency, Bancorp shops a broad market of carriers that specialize in this segment — so you get competitive rates and real coverage.

You count on your home. Count on us to protect it.

Frequently Asked Questions

Is manufactured home insurance the same as regular homeowners insurance?
No. Manufactured homes require a specialized policy. Standard homeowners (HO-3) policies are written for site-built homes and typically don’t cover manufactured or mobile homes. Manufactured home policies are written to address the construction standards, building codes, and unique risks of factory-built housing.
Can I get coverage for an older mobile home?
Yes, in many cases. While some carriers have age restrictions, our program is designed to cover a wide range of manufactured homes including older models. Coverage availability and terms may vary based on the home’s condition, maintenance history, and location. Contact us for a no-obligation assessment.
What is a stated value loss settlement?
With stated value coverage, you and your insurer agree on a specific value for your home at the time the policy is written. In the event of a total loss, you receive that agreed-upon amount — no disputes about depreciation or current market value. It provides predictability and peace of mind.
Does the policy cover my home if I rent it out?
Yes. Our manufactured home program offers flexible usage coverage including rental properties. Whether you occupy the home full-time, rent it to tenants, use it seasonally, or it’s currently vacant, we can structure a policy to fit your situation.
Does manufactured home insurance cover earthquakes or floods?
No. Like standard homeowners policies, manufactured home insurance excludes earthquake and flood damage. Both require separate policies. Given that manufactured homes can be more susceptible to damage in these events, we strongly recommend exploring these additional coverages.
My park requires insurance. What should I bring to get coverage?
Most parks require proof of liability coverage, sometimes with the park listed as an additional interested party, and may require minimum dwelling coverage amounts. When you call us, have your park’s lease requirements available and we’ll make sure your policy meets or exceeds them.

What Our Clients Say

Trusted by homeowners of all home types, all across the country.

Let’s Protect Your Home — Whatever Kind It Is

Don’t let a non-standard home mean non-standard coverage. Bancorp Insurance specializes in manufactured home insurance — and we’re ready to find you the right policy today.