- A+ rating with the Better Business Bureau (BBB)

- Over 1.7 million policyholders

- Online access to policy documents 24/7

Rapid Quote Here

American Modern Mobile Home Insurance


Explaining the Cost of Manufactured Home Insurance

If manufactured homes costs less and require less labor to build and maintain, why do they cost more to ensure?

Because of the way they are made, many manufactured homes are not as durable as a traditional stick-built home. Many of these homes are not securely anchored. They are also light in weight which makes them extremely vulnerable to floods and high winds. Manufactured homes experience more damage than a standard home which makes them more expensive to insure.

Rapid Quote Here

Manufactured Homes lack some of the security capabilities that stick built homes have. This makes them more susceptible to theft and robbery. Even though manufactured homes are more vulnerable than standard homes, they are still a great investment and a comfortable, lucrative living option. We can help you find the best rates from American Modern Insurance. You can get instant results when you request a free American Modern Manufactured Home Insurance quote!

Do you own an Older/ Vintage Mobile Home?

A vintage mobile home can be a great investment if you’re looking for affordable property. When most people think of mobile homes, they think of trailers that look like giant aluminum cans in the middle of the desert. But those are the mobile homes of the past, after 1976, mobile homes were built larger and look similar to traditional stick-built homes. These older mobile homes can be maintained and last for nearly 30 years.

With advancements in technology and new materials, older mobile homes can be upgraded, renovated, and preserved to extend their lifespan. If you do decide to bring an older mobile home back to life, be sure to protect with insurance.

SkyBlue insurance logo

SkyBlue Insurance can help you find the best rates on insurance for older mobile homes. You can give us a call at 1-800-771-7758 or get faster results by visiting our site and requesting an instant American Modern Older Mobile Home Insurance quote for free!

Some coverage options that come with an American Modern Mobile Home Insurance policy include:

  • Comprehensive Protection
  • Liability Coverage
  • Stated Value Loss Settlement
  • Personal Property Coverage

With an American Modern Manufactured Home Insurance policy, you will receive peace of mind knowing that your loved ones and your belongings are protected. You can get an instant American Modern Home Insurance quote now!

Rapid Quote Here

Advantages of Manufactured Homes

Manufactured Home Insurance

Let’s get one thing clear: manufactured homes are NOT mobile homes. Though some people still refer to manufactured homes as mobile homes, they are actually very different. Mobile homes were built before 1976 and abide by different government standards than the manufactured homes of today. This confusion is part of the reason why there is a negative connotation associated with manufactured homes: people still believe they’re like those shabby aluminum trailers that we see in the middle of the desert in alien movies. Or they think of trailer parks and rednecks. Manufactured homes are much more than that and some even rival the nicest site-built homes. Manufactured homes come with a lot of great advantages as well.

Customization and Variety

One of the best things about purchasing a manufactured home is that you’ll have total control over the building process. There is a variety of house types and floor plans to choose from, so you can tailor your home to your liking.

Fast Build

A manufactured home takes about 1/3 the time to build as compared to a site-built home. This means that buyers of manufactured homes can move in much sooner. On-site homes deal with a lot of risks that can cause delays like weather issues, shortage of materials, or contractor unavailability. Manufactured homes are usually built in doors, so weather is not an issue. Also, manufactured home builders are often building more than one home at once, so there is an abundance of materials.

Great Insurance Coverage

Living in a manufactured home does come with risks. Thankfully, owners of these homes can obtain manufactured home insurance. These insurance policies cover things like damage to the home, injury inside the home, transportation, and more. There are many great policies to compliment all of your living needs. Many insurance providers, like American Modern Insurance,  offer coverage for mobile homes.

Environmentally Efficient

Due to government regulations, manufactured homes are required to meet certain efficiency standards when they are built. Because of these standards, many manufactured homes are energy efficient and more sustainable than standard site-built homes. Some manufacturers even partner with the Energy Star program which ensures that homes are built to the Energy Star efficiency standards.


Because you’re not buying an existing property in a neighborhood with amenities that affect the value, manufactured homes are usually cheaper than traditional homes. When you purchase a manufactured home all you’re really paying for is the materials and labor to build the home, the set-up of sewage and electricity, and the plot of land the home is on.


Trailer parks are a thing of the past. Now manufactured homes are built in communities that look as nice as the classiest gated communities. These communities are usually filled with like-minded people and are tight-knit. And, since you get to choose where your home is placed, you never have to worry about ending up in a “bad neighborhood.”

Manufactured homes are a great option for people who want to live in their dream house at an affordable price. If you do decide to purchase one of these homes, remember to purchase some manufactured home insurance. You can get an mobile home coverage quote online now!