Is there a difference between manufactured and mobile home insurance?

While the terms are often used interchangeably, the specialized policies we offer are designed to cover both, addressing the specific risks and valuation methods unique to factory-built homes.

Does my mobile home insurance cover the cost of my skirting and tie-downs?

Yes, a proper manufactured home policy typically includes coverage for the foundation, skirting, and anchoring systems as part of the dwelling or other structures coverage.

If I rent out my manufactured home, does my current policy cover my tenant?

If you rent out your manufactured home, you would typically need a specialized Dwelling Fire (Landlord) policy, not a standard Homeowners policy, as it provides different liability and property coverage for rental situations.

Manufactured & Mobile Home Insurance | London Insurance Agency & Insurance Service Center

Manufactured homes have unique structural characteristics and insurance needs that differ from traditional stick-built houses. At London Insurance Agency, we specialize in providing tailored Manufactured / Mobile Home Insurance to the residents of the Tri-County area. Since 1922, we have been a dedicated, family-owned independent agency, committed to ensuring that all members of our community, including those with manufactured or mobile homes, receive the comprehensive protection they deserve.

Our licensed insurance professionals understand that these residences are not "one-size-fits-all," and neither should their insurance be. We work with multiple top-rated carriers that offer specialized mobile home policies. This independent approach allows us to compare coverage levels and prices effectively, making sure you get the right protection at a fair price. We are here to guide you through the details, explaining your options clearly so you can make an informed decision about your coverage.

Manufactured homes can be susceptible to unique types of damage, such as wind and hail damage, which are important considerations in the Kentucky weather. Our experienced agents can discuss endorsements for perils that may not be fully covered by a basic policy, such as water backup from sewers or drains, or protection for earthquake-related damages. We focus on creating a plan that truly fits you, ensuring every aspect of your manufactured residence is covered.

Our agents are experts in this field and can help you determine the correct valuation for your home, ensuring you have enough coverage to rebuild or repair without suffering a significant financial loss. Our agency provides competitive products and prices, along with superior customer service to the Corbin and London Kentucky areas.

Our relationship with you doesn't end once your policy is signed; we provide ongoing support whenever you need it. Whether you are updating your home with a new addition or need to adjust your personal property coverage, we are here to ensure your policy fits your evolving needs. Our agency is part of the local fabric, and our agents are committed to advocating on your behalf, handling communications with the insurance companies to secure your long-term financial security. Let one of our licensed professional insurance agents help you with any of your personal insurance needs.

Is there a difference between manufactured and mobile home insurance?
While the terms are often used interchangeably, the specialized policies we offer are designed to cover both, addressing the specific risks and valuation methods unique to factory-built homes.
Does my mobile home insurance cover the cost of my skirting and tie-downs?
Yes, a proper manufactured home policy typically includes coverage for the foundation, skirting, and anchoring systems as part of the dwelling or other structures coverage.
If I rent out my manufactured home, does my current policy cover my tenant?
If you rent out your manufactured home, you would typically need a specialized Dwelling Fire (Landlord) policy, not a standard Homeowners policy, as it provides different liability and property coverage for rental situations.