Buying a manufactured home is a big step, and protecting that investment with the right insurance is just as important as choosing the right loan. At Northwest Housing Services, we know that insurance for manufactured homes can sometimes feel confusing or overwhelming — but we’re here to make it clear and manageable.
We don’t sell insurance ourselves, but we can help point you in the right direction and make sure you understand what types of coverage you may need.
Why Insurance Matters
Manufactured home insurance works much like traditional homeowners insurance, but it is tailored to the unique needs of manufactured housing. Having the right coverage protects you financially in case of:
Fire or weather damage
Theft or vandalism
Liability (if someone is injured on your property)
Loss of use (help with living expenses if your home becomes uninhabitable)
Types of Coverage to Consider
While every homeowner’s situation is unique, here are some common areas of coverage that are worth reviewing with an insurance provider:
Dwelling Coverage – Protects the physical structure of your manufactured home.
Personal Property Coverage – Covers belongings such as furniture, clothing, and electronics.
Liability Coverage – Provides protection if you’re found legally responsible for an accident or injury.
Additional Living Expenses – Helps cover the cost of temporary housing if your home is damaged.
Optional Add-Ons – Depending on your area, you may want to explore flood or earthquake coverage.
How We Can Help?
When you work with us for your financing, we’ll also talk with you about insurance. While we don’t represent any insurance company, we can:
Explain what kind of coverage lenders may require.
Help you understand what questions to ask when shopping for a policy.
Connect you with trusted resources so you feel confident about your decision.
Send Us a Message!
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Start Your Journey
See if financing a manufactured home is right for you. This quick form isn’t a loan application — it just helps us point you in the right direction.