Associates for Insurance Services
Mobile Home & Park Model Insurance
Coverage for mobile homes in parks and on their own lots around Cedar Point, and for park models in the parks near the beaches.
A manufactured-home community, from the air. Photo: Wikideas1, CC0
What mobile home & park model insurance covers
Mobile homes and park models are written on their own policy forms rather than a standard homeowners form. A mobile home policy covers the home itself, your belongings, your liability and the cost of living elsewhere after a covered loss, whether the home sits in a park or on its own land. A park model, the small recreational home kept in a park near the beach, is written for how it is actually used: seasonal or year-round, rented or not. More than one company writes mobile homes in North Carolina and South Carolina, which is exactly why it is worth comparing.
Why it matters
Owners of mobile homes are too often handed one policy and told that is all there is. Comparing the companies that write them, and putting the home and the household's autos together on one review, is where the difference shows. Bundling with auto is the point.
Who it is for
Owners and residents of mobile home parks and free-standing mobile homes around Cedar Point, Swansboro, Newport and Jacksonville, owners of park models in the parks near Emerald Isle and the Bogue Banks beaches, and mobile home owners elsewhere in North Carolina and South Carolina.
Here, specifically
The first questions any company asks are the year, the make and model, whether the home is on a permanent foundation and tied down, and whether it is a primary residence, a seasonal place or a rental. On the coast, wind and hail and a separate flood policy matter as much for a mobile home as for a stick-built house. Have the serial plate and your current declarations page handy.
What a policy can include
- Mobile home dwelling coverage
- Park model coverage, seasonal or year-round
- Personal property
- Personal liability and medical payments
- Loss of use
- Home and auto on one review
How a quote goes
- 01
A conversation first
What you are protecting, how it is used, and what has changed since the last policy was written.
- 02
We look at the options available
Not every insurer writes every risk. We identify the options that fit the property, the vehicle or the business, and compare them.
- 03
We read for gaps
Deductibles, exclusions and limits, not just the headline number, so nothing surprises you later.
- 04
Plain English, zero pressure
We walk you through what each option does and leave the decision with you.
Questions we get about mobile home & park model insurance
Do you insure a mobile home that sits in a park rather than on my own land?
What is a park model, and how is it insured?
Should I insure my mobile home and my car together?
Information is general in nature and may not reflect your specific situation. Contact us for guidance on your own policy.
Let's talk about your mobile home & park model insurance.
A conversation about what you have and what your options look like, with zero pressure.