Preparing your Mobile Home for Extreme Weather

Preparing your Mobile Home for Extreme Weather


Everyone must deal with extreme weather conditions no matter where they leave. If you own a manufactured home, your home may be more vulnerable to harsh forces of nature than a standard home. They are not as sturdy or resilient as a standard home either. The tips below will help you keep your home and everything inside secure.


Earthquakes are unpredictable, so safety and preparedness must be regularly practiced. Prefab homes in an earthquake can experience a lot of damage. To prepare, designate areas in your home away from windows that are safe for cover. Do not try to run from your home; mobility is limited during an earthquake. You have the option to reinforce your mobile home with an Earthquake Restraint Bracing system (ERBS). An ERBS consists of two large cross beams that are built under your mobile home. In the event of an earthquake, the cross beams provide additional stability to your home.


Many parts of the United States experience snowstorms in the Winter. Though snow seems to float light, it can become extremely heavy as it builds up. This can do a significant amount of damage to the roof of your mobile home. If the storm isn’t extreme, regularly remove the snow from your roof so it doesn’t cause moisture damage or a cave-in. Also be mindful that the pipes in your plumbing system may freeze. When you purchase your prefab home. Be sure to understand your Roof Load Zones. The Roof Load Zone is the amount of weight that your roof can safely hold. If you don’t think your roof is strong enough, you can always have a stronger one built.

Heavy Rain/Flood

Floods and heavy rain can do a lot of damage to a mobile home. Mobile homes are usually elevated from the ground so this gives your home a slight advantage against low floods. The skirts on your mobile also act as a flood defense. Be sure that the skirts are in good condition. You have the option to purchase skirts made of stronger material for more safety. If your community does receive a flash flood warning, ensure that your mobile home is properly anchored. This will prevent it from floating away.

Hurricanes & Tornadoes

Just like a site-built homes, manufactured homes are not resistant to high winds from tornadoes and hurricanes. Never try to stay in your homes during these weather events. To prepare, designate a nearby shelter or safe location to flee to during hurricanes and tornadoes. You can also find ditches and low areas to stay safe. Many homes in tornado prone areas have basements and underground living spaces to stay safe during an earthquake. Consider having one built on your property if possible. Most communities have tornado warning systems. Be sure to understand how the system works where you live.

Unfortunately, extreme weather is something we must all experience. Know what kind of weather your area is susceptible to and take the proper safety measures. If your mobile home is damaged during extreme weather, repairs may be costly. To protect your home and valuables, look into obtaining Mobile Home Insurance. There are numerous policies with coverage options for losses that occur during harsh weather. We can help you find the best rates from the top insurance carriers and help you narrow down your options to a policy that fits your needs. Request a free A-Z Mobile Home insurance quote now and get instant results!

Continue reading
444 Hits

Restoring a Vintage Mobile Home

Restoring a Vintage Mobile Home

If you are into the alternative lifestyle, then purchasing a mobile, manufactured, or modular home might be something that you’re into. If that is still not enough to satisfy your inner hipster, you can look into purchasing a vintage mobile home. Vintage mobile homes are the stereotypical trailers that we see in movies that take place in the 50’s and 60’s. These homes changed after 1976 with new styles of building along with new government regulations. Even though the vintage mobile homes are rare, they can still be purchased and inhabited.

Since these mobile homes aren’t modern, there may be some remodeling and restoration required before they become sufficient living spaces. Below, we give you some useful tips to bring that vintage mobile home into the 21st century.

What you’ll need: Mobile Home Insurance

  • Things You'll Need
  • Sheet metal
  • Caulk gun
  • Construction adhesive
  • 10-inch warehouse broom
  • Roof coating, 5 gallons
  • Household bleach
  • Rubber gloves
  • Skirting repair tape
  • Cleaning cloths
  • Claw hammer
  • Angle broom
  • Plastic bucket
  • Painting supplies
  • Stain blocking primer
  • Detergent
  • Glitter
  • Glitter gun
  • Tinted wood filler
  • Plastic putty knife
  • Mayonnaise
  • Clear caulk
  • Plywood
  • Tape measure
  • Pencil
  • Jigsaw
  • Wood screws

Mobile Home Insurance

The Process

The first step is to sanitize the trailer using bleach, water, and any other cleaning materials. Look for mold, old food stains and also clear the trailer of dust that can cause breathing problems in the future.

Check the roof for any damage that may have occurred from natural wear and tear or harsh weather conditions. If the roof is damaged, find suitable sheet metal pieces to reinforce it. The best material to secure the sheet metal with is a caulk gun. Also look for an places where leaking can be a problem.

Check the electrical system for faulty wiring. Since most vintage mobile homes were made before the HUD regulations, wiring systems may be dated and dangerous. If necessary, hire a skilled electrician to rewire the trailer and bring its electrical system up to modern standards.

Just as important as the electrical system is the plumbing system. If you understand plumbing, check the pipes to the sinks and toilets and ensure that they aren’t rusted or faulty. The last think you want is to suffer a flood in a newly restored trailer.

Chances are, your mobile has dated flooring that was probably popular in the 50s, 60s, or 70s. Use the necessary tools to pull up the old carpet which probably also has skin follicles, dander, dust and lint. After you remove the old carpeting, replace it with newer, fresh carpet or any style of flooring you desire. Also check the floor for soft spots that may need to be reinforced.

The exterior of your vintage mobile home is just as important as the interior. Your trailer can have old, outdated paint with lead in it, the exterior metal could be peeling off, etc. Look for since of wear on the exterior and get your trailer painted. Also remove or secure any peeling sheet metal that may be hanging off the trailer.

Buying a vintage trailer can be a great, alternative purchase for those who are seeking a simpler life style. After you have your mobile home restored, protect your investment by getting old mobile home insurance to cover liabilities that may come with owning a trailer. Many of the top insurance carriers will provide you cheap mobile home insurance for vintage trailers. We can save you the time of browsing insurance options. All you have to do is request a free mobile home insurance quote and we’ll show you the best options that meet your needs!

Continue reading
547 Hits

Understanding Mobile and Manufactured Home Insurance

Understanding Mobile and Manufactured Home Insurance

Mobile Home Insurance

Our homes are places of comfort, memory, growth, and security. When you purchase a new home, you begin to focus on the future and all of the fun plans for your abode.  Unfortunately, life happens. There are many unforeseen occurrences and expenses that come with owning a home. This is no different for those who reside in manufactured and mobile homes. Since anything can happen, from injuries to “acts of God,” it is important that owners of manufactured and mobile homes get the best mobile home insurance policy available. Mobile home insurance is just like regular homeowners insurance with a few special coverages that are specific to these types of home. Some common coverage options that providers offer include:

  • Loss caused by fire, lightning, wind, hail, water damage from sewers and drains, earthquakes, etc.
  • Stated value loss settlement: If a total loss has occurred, you can settle for the full amount of your property at the value listed on your policyMobile Home Insurance
  • Trip coverage if you move your home to a new location
  • Collision Coverage in case of any collisions during transport of your home
  • Personal Property coverage
  • Replacement Cost coverage for your mobile home and personal belongings
  • All-perils coverage for tools
  • Fraud and Forgery Coverage
  • Coverage for trees, shrubs, and lawns added to the home

If you would like to find out more about mobile home insurance coverage contact a reliable carrier and get an instant mobile and manufactured home insurance quote. Keep your mobile home safe and comfortable by getting it protected. You will be able to sleep much easier knowing that your home and your belongings are taken care of in any unfortunate situation.


Continue reading
478 Hits

Your Brief Guide to Mobile Home Types

Your Brief Guide to Mobile Home Types

We all have that dream house: a home that has everything we need to live comfortably. Sometimes, we know exactly what our dream home will look like. Other times, our dream home may be an impractical idea. There are also times where our dream home is just out of our financial reach or we can’t find the perfect place to meet our needs.  Luckily there are more affordable options in Manufactured and Modular Housing. Unlike “site-built” housing, Manufactured and Modular homes are usually built in factories and can be transported to different locations. These homes also cost 10%-35% less than a comparable site-built home. When most people think of mobile homes, they think of shabby trailers in desolate trailer parks. But there are actually beautiful homes that you’d never know were mobile. This article is going to break down the different types of mobile homes and what it’s like to own one. Mobile Home Insurance

Manufactured Homes

A manufactured home is housing that is built in a factory. These are the modernized upgrade to the mobile homes that became popular in the 50’s, 60’s, and 70’s. These houses are built to comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. They come with all of the amenities of a standard house including plumbing, electricity, and gas. They also can come with front lawns and backyards depending on the land that is purchased for the home. Each manufactured home comes with standard features but can be customized to fit your wants and needs.  They can be built with different types of floor plans and can even be made accessible for those with special needs. Unfortunately, some cities and towns have outdated zoning laws so there may be some restrictions to where a manufactured home can be built. Since manufactured housing is mobile, the wheels are never removed and instead are covered by side skirts on the bottom of the house. Manufactured homes usually take 8-14 weeks to build.

Mobile Home Insurance

Modular homes

Modular Homes are very similar to manufactured homes when it comes to amenities. One of the main differences is that modular homes comply with federal standards while modular homes are built to state standards. The construction of a modular home usually happens on site where different box-like modules are placed and attached to create one full home. Another great characteristic of modular housing is that these homes are infinitely customizable and can have different parts attached at any time. Unfortunately modular homes usually don’t come with garages or porches. Modular homes are usually permanent and treated the like site-built homes when it comes to financing.  They usually take 4-6 weeks to build.

Now that you know the types of mobile homes available, you can begin to decide which one is best for you. Mobile/ Manufactured homes come with a lot of risks so you should also look into purchasing a mobile home insurance policy. If you have questions about the pricing of mobile home insurance coverage you can request a rapid mobile home insurance quote right now. Try something different and get a dream home you can afford!

Continue reading
401 Hits

Pros & Cons of Purchasing a Mobile Home

Pros and Cons of Purchasing a Mobile Home

You probably saw “mobile home” in the title and automatically pictured toothless hillbillies, mangy stray dogs, and rusted cars. I’m here to tell you that the stereotypical mobile home and trailer parks of the 50s-70s are a thing of the past. There are now mobile homes that are just as nice as the standard homes we’re all accustomed to. Many people actually prefer to live in mobile homes due to the perks that come with owning them. There are a number of pros that come with owning a manufactured or modular home. Of course, there are also some drawbacks to owning these homes.


Affordability- As one can assume, owning a mobile home is much cheaper than owning a site-built house. Mobile homes can cost from 10-35 percent less than a comparable site-built structure. Owners of mobile homes also get to avoid property taxes, which keeps more money in homeowner’s pockets. 

Fast Construction- The average house takes about six months to construct. When you purchase a manufactured home, it takes about 4-6 weeks to be constructed. A modular home takes anywhere from 2-4 weeks to be built. This means that, once you decide on the mobile home you want, it takes relatively no time for you to be able to reside in it.

Development Control- Unlike most homes, the buyer of a mobile home is in complete control over the construction process. They can choose the floor plan, amenities, and location to their heart’s (and wallet’s) desire as long as they comply with Federal and State regulations.

Warranty Options- Another great thing about mobile homes is that they usually come with manufacturer warranties. So if something goes wrong with your home, you can get the problem fixed quickly and with a lower fee than if you lived in a standard home and had to use a contractor to fix your issues.


Harder to sell- Due to the negative stigma still attached to mobile homes, they are harder to sell. If you do decide that you want to move somewhere else, it may take some time to get your mobile home off the market.

Short Life Span- People often like to leave their real estate in the family and pass it on to their descendants. Unfortunately, mobile homes start to deteriorate after about 20 years. Their short life span makes them harder to sell and harder to refinance. Owners also begin to experience more structural problems as time goes on.

Appreciation Limit- One of the great things about owning a home is that its value slowly increases over time. Unfortunately for mobile homes, the value appreciates much more slowly. Also, the appreciation value has a limit based on the value of the plot of land your home is on and the value of neighboring mobile homes if you live a mobile home community.

Instability of Park Owners- Plots of land with mobile home parks are usually owned by another entity. Since the plot of land may be prime real estate, there may be moments when landowners sell their land without notice. This can be troublesome for mobile home owners who had no plans of moving.

There are many reasons to own a mobile home whether it’s manufactured or modular. If you do decide to purchase a mobile home, be sure to protect your asset with mobile home insurance coverage from a trusted provider. You will be protected from expenses related to fires, floods, theft, structural damage and more. If you’d like to learn more about mobile home insurance policies, contact a local carrier and get a mobile home coverage quote today. Nothing is stopping you from a better living situation.

Continue reading
763 Hits