Manufactured Home Insurance in Washington

Coverage That Understands the Unique Needs of Manufactured & Mobile Homes

Manufactured homes need specialized coverage—traditional homeowners insurance won’t cut it. Whether your home is placed on private land or in a community park, we’ll help you find protection that fits how and where you live.



At Strategy Insurance Brokers LLC, we’ve worked with Washington homeowners for decades, including those with manufactured and modular homes. We understand the risks, the requirements, and the importance of getting it right.

What Does Manufactured Home Insurance Cover?

A well-rounded policy may include:

Dwelling Coverage

Protects the structure of your home against fire, wind, hail, and other covered events.

Personal Property

Covers the contents of your home—furniture, electronics, clothing, and more.

Liability Protection

Helps cover medical and legal costs if someone is injured on your property.

Loss of Use

Pays for temporary housing if your home becomes unlivable due to a covered loss.

Attached Structures

May include porches, awnings, or carports, depending on the policy.

Who Needs Manufactured Home Insurance?

Anyone who owns a:


  • Manufactured or Mobile Home
  • Modular Home
  • Double-Wide or Single-Wide
  • Park Model or Tiny Home (in some cases)


We insure both owner-occupied and rental units, whether located in communities or on private land.

Manufactured Home Insurance FAQs

  • Is manufactured home insurance required in Washington?

    It’s not legally required, but it’s often required by mortgage lenders or park communities. Even without a mandate, coverage is strongly recommended to protect your investment.

  • What’s the difference between manufactured and modular home insurance?

    While both need specialized policies, modular homes are often covered under more traditional homeowner policies, depending on placement and foundation. We’ll review your setup to ensure proper coverage.

  • Are older mobile homes insurable?

    Yes—many insurers offer policies for older homes, though age, condition, and location can affect availability and pricing. We work with multiple carriers to find the best fit.

  • Does this policy cover storm damage?

    Yes—most policies include wind, hail, and fire damage. Flood and earthquake protection may require separate coverage, depending on your location.

  • Can I get coverage for attached additions or porches?

    Yes—many policies allow for add-ons to cover structures like porches, decks, sheds, and awnings.

  • What if I rent out my manufactured home?

    We offer landlord coverage as well, which includes liability and loss of rental income if your property is damaged.