Do manufactured and mobile homes need special insurance? Yes. Manufactured and mobile homes have unique construction methods and risks, so they typically require a specialized insurance policy rather than a standard homeowners policy designed for site-built homes.

Whether it is a site-built home, a manufactured home, or a mobile home, a home is a home. A homeowner's policy, however, really only covers site-built homes. The good news is that manufactured home insurance offers all the protection you would expect in a home insurance policy, including the following:

• Your home itself
• Detached structures such as sheds, garages, and carports
• Your home's contents - your personal belongings
• Liability coverage in case of injury on your property

Your manufactured home insurance can be customized to meet your specific needs, allowing you to get the right protection while minimizing your costs.