Homeowners Insurance
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One Plan for your Manufactured Home

Owning a manufactured home has unique benefits, but it also requires having the right protection if it is ever damaged or destroyed. Selecting an insurance program designed specifically for the needs of your manufactured home is extremely important for preserving the value.

Did you know?

  • Standard insurance policies may not offer you replacement cost coverage.
  • Everyone lives in a flood zone - it's just a question of whether you live in a low, moderate or high risk area.
  • Most Homeowners policies do not cover flood or earthquake.
  • According to FEMA, all 50 states are vulnerable to flood.
Arbor Empress
This policy features:
Flood Protection
Multiple Perils

Important Coverages To Consider When Choosing A Policy:

Physical Damage Protection

This essential coverage typically covers direct, sudden and accidental losses. It includes:

Home Protection
Coverage for your home and any permanently attached structure.


Adjacent Structure Protection
Coverages for structures not attached to your home (i.e. garage or tool shed).


Personal Effects Protection
Coverage for your personal property. This is for items such as TV, home entertainment system, furniture, clothing, appliances, tools both inside and outside your home.

Personal Liability Protection

Suppose someone slips and breaks an arm or leg on your front steps or while inside your home. You could be responsible for medical bills, loss of salary, and pain and suffering. This valuable coverage pays up to the limit specified in your policy if you or any insured are found by the court to be legally responsible for personal injury or property damage to others.

Medical Payments to Others
If a guest is injured at your home, Medical Payments to Others will cover the costs associated with the injuries, regardless of who is at fault.


Additional Living Expenses
ALE may apply to homeowners, renters or condo owners. It compensates the cost when you are unable to live in your dwelling or home due to an insured loss or claim, while your home is being repaired.


Fire Department Service
If your home is outside the city limits or the local fire department charges a fee (for whatever reason), Fire Department Service coverage will compensate the fees. May be subject to a separate limit of insurance and additional premium.


Debris Removal
If your home should suffer damage and debris needs to be removed from the premise, Debris Removal coverage will reimburse the clean up costs associated with a covered loss.


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