What type of insurance is commonly needed for manufactured homes?

Homeowners insurance is specifically designed to cover residential properties, including manufactured homes. This type of insurance offers protection for the structure itself, personal belongings, liability, and additional living expenses in case the home becomes uninhabitable due to a covered event such as fire, theft, or severe weather.

Manufactured homes have unique insurance needs because they are often considered personal property rather than real estate, depending on whether they are permanently affixed to land. Homeowners insurance for manufactured homes can provide peace of mind to owners by ensuring that both the home and the owner’s possessions are financially protected.

The other types of insurance listed do not apply to the specific needs of manufactured homeowners. Health insurance covers medical expenses, travel insurance protects against losses incurred during travel, and life insurance provides financial support in the event of the policyholder's death; none of these address the coverage needed for protecting a manufactured home.