Modular and Mobile Home Insurance
The right policy for mobile, manufactured, and modular homes.
“Manufactured and modular homes need their own kind of policy, and getting that right matters. We make sure your home is insured the proper way, not forced into the wrong box.”
Do mobile and manufactured homes need a special policy?
Absolute Insurance Agency is an independent agency in Clive, Iowa that insures mobile, manufactured, and modular homes across the Des Moines metro. These homes are not all insured the same way, so our independent agents place each one with the right type of policy and carrier, including manufactured-home specialists such as Foremost.
What does mobile and manufactured home insurance cover?
Coverage mirrors a homeowners policy, tailored to factory-built homes.
How is a modular home insured?
Mobile and manufactured homes are not eligible for a standard homeowners (HO-3) policy, so they need a policy built specifically for factory-built homes. A mobile home was assembled before June 15, 1976, and a manufactured home was built after that date, and both carry a serial number. A modular home is built in a factory but assembled on a permanent foundation, so insurers treat it like a standard site-built house on a regular homeowners policy, which is typically more affordable. Absolute Insurance places each home with the right carrier.
How do I get a modular & mobile home insurance quote?
Request a free quote online, call 515-279-2722, or email service@insaia.com. An Absolute Insurance agent in Clive, Iowa will compare options across our carriers and recommend the right coverage. Most quotes take only a short conversation.
Frequently asked questions
No. Mobile and manufactured homes are not eligible for a standard HO-3 policy and need a special policy built for factory-built homes.
A mobile home was built before June 15, 1976, and a manufactured home was built after that date. Both carry a serial number.
Usually, because modular homes are insured like standard site-built houses rather than under a specialized manufactured-home policy.
