Manufactured home insurance

Our manufactured home program can be customized for multiple risk types:

  • Owner-occupied - for properties used as the primary residence
  • Seasonal - for residences used as vacation homes
  • Rented - for landlords who rent their homes to tenants
  • Vacant - for unoccupied homes including those for sale
  • Tenant - for renters who occupy manufactured homes

Markel Specialty's manufactured homeowners program permits you to tailor accounts to the specific coverage needs of the customer. This includes the ability to purchase combined property and liability coverages, property only, or liability only.

We offer a variety of policy forms, optional coverages and discounts, including:

Property coverage
Protection for the primary structure with loss settlement available on either a replacement cost or actual cash value basis

Contents coverage
Personal property can be covered on either a replacement cost or actual cash value loss settlement basis

Additional living expense/loss of use
Optional coverages that help pay for expenses related to alternative housing when the insured property is uninhabitable due to a covered loss

Personal liability/premises liability
Optional coverages if you become liable for damages or injury resulting from the use of your property

Additional options permit you to further enhance your protection and include:

  • Unattached structures – covers losses on structures such as garages, sheds and other unattached structures 
  • Identity fraud – provides reimbursement for expenses related to recovery from identity fraud
  • Golf cart – provides physical damage and liability coverage
  • Trip coverage – covers manufactured homes being moved from one location to another
  • Personal property enhancement– increases the internal policy limits for tools and electronic equipment

Available discounts can include:

  • Loss free discount
  • Mature owners discount
  • Newer residence discount