The home standard carriers won't write.
Most standard homeowners carriers simply won't insure a manufactured or mobile home — which leaves owners with few good options. American Modern has specialized in exactly this since the 1960s, on dedicated forms built for how these homes are made and what threatens them. Here's what the coverage includes, the valuation choice that decides your claim, and the Arkansas wind exposure that matters most.
The short answer
American Modern manufactured / mobile home insurance is the established specialty market for homes standard carriers won't write — single- and double-wides, on owned land or a leased lot. It covers the home, other structures, belongings, liability, and loss of use, often with specialty features like trip/transport coverage. The decision that matters most is the valuation basis — replacement cost, actual cash value, or stated value — because manufactured homes depreciate faster. In Arkansas, wind and anchoring are the key exposures. Rated A+ (Superior), backed by Munich Re.
Manufactured isn't site-built — and neither is the policy.
A manufactured home is built, rated, and exposed to weather differently than a site-built house. That's why standard carriers avoid it, and why the valuation choice matters so much.
a home fast the valuation choice
Manufactured homes depreciate faster than site-built houses, so an actual-cash-value policy can pay a fraction of replacement on an older home. Replacement cost or stated value, where available, changes that math entirely.
The choice that decides the claim.
On a manufactured home, valuation isn't a footnote — it's the whole game. Replacement cost pays to rebuild or replace without subtracting depreciation. Actual cash value subtracts it, which on an older home can gut a total-loss claim. Stated value caps the payout at an agreed figure. American Modern offers different options depending on the home's age and condition.
Get that choice wrong and a windstorm can leave you far short of what it costs to replace the home. Get it right — matched honestly to the home's age — and the policy does what you bought it for. That's the conversation we insist on having before you bind, not after a loss.
Wind is the exposure that matters.
Manufactured homes are more vulnerable to high wind than site-built houses, and Arkansas sits in an active corridor for severe storms and tornadoes. That combination makes wind the headline exposure on a manufactured-home policy — and it makes proper anchoring and tie-downs matter, both for your safety and for how the home is underwritten.
Wind and hail are typically covered, but usually with a separate deductible, and older homes are more likely to be written on an actual-cash-value basis. Two more perils sit outside the policy: flood is always separate, and if you ever move the home, ordinary coverage doesn't follow it down the road — that's what trip or transport coverage is for.
So the honest checklist for an Arkansas manufactured home is short and specific: confirm the valuation basis, confirm the wind-and-hail deductible, make sure the home is properly anchored, and add trip coverage if it's ever being relocated. That's exactly what we walk through at the quote.
Anchoring isn't just a safety issue.
Proper tie-downs and anchoring reduce wind damage and, in many cases, factor into whether and how the home is insured. If your home has been re-leveled or moved, or you're not sure of its anchoring, mention it — it's a detail that affects both your premium and how a wind claim is handled.
The coverages inside a manufactured-home policy.
The Home (Dwelling)
The manufactured home itself against covered perils. The valuation basis — replacement cost, actual cash value, or stated value — is the thing to confirm here.
Other Structures
Attached and detached extras — a deck, carport, skirting, shed, or steps. Common on manufactured homes and easy to leave off if nobody asks.
Personal Property
Your belongings inside the home. Ask whether it's replacement cost or actual cash value, and schedule high-value items separately.
Personal Liability
Protects you if someone is injured or their property damaged and you're responsible — on or, in many cases, away from the property.
Loss of Use
Pays additional living expenses if a covered loss makes the home uninhabitable while it's repaired or replaced. Confirm the limit on the form.
Trip / Transport & Options
Coverage while the home is being moved, plus manufactured-home specialty options. Essential if the home is ever relocated — ordinary coverage doesn't follow it on the road.
The factors behind the number.
A manufactured home is rated on the home, how it's secured, where it sits, and how it's valued. A few factors do most of the work.
Age, Size & Construction
Year built, single- or double-wide, and HUD-era construction. Older homes rate differently and are more likely to be written on actual cash value.
Anchoring & Roof
Tie-downs, anchoring, and roof condition. On a wind-exposed home these drive both the price and how a wind or hail claim is handled.
Location & Wind Exposure
Where the home sits, its wind and weather exposure, and whether it's on owned land or a leased lot. A real driver of the base rate.
Valuation & Deductibles
Replacement cost, actual cash value, or stated value, plus your deductibles including wind-hail. The choices that most change both premium and payout.
The go-to market for manufactured homes.
If you own a manufactured or mobile home, this is usually the market. Appetite and valuation options depend on the home's age and condition.
We match the valuation to the home.
The right policy for a newer double-wide isn't the right policy for a 30-year-old single-wide, and the difference is mostly in the valuation basis. Because we're independent, we compare American Modern against our other manufactured-home markets and set the valuation, deductibles, and trip coverage to match your specific home — honestly, before a loss.
Priced on the home, secured and valued.
Manufactured-home premium depends on the home's age, size, and construction, its anchoring and roof, its location and wind exposure, and the valuation basis and deductibles you choose. Those swing too widely for a webpage figure to mean anything, so we don't publish one. This isn't a quote or a guarantee. What reliably helps: the year, size, and whether it's on owned land or a leased lot — then we'll build the number and compare it across our markets.
A+ (Superior), backed by Munich Re.
American Modern carries an A+ (Superior) Financial Strength Rating from AM Best and is a Munich Re company. On a manufactured home — which is more wind-exposed than a site-built house — that strength matters most after a severe storm, when many claims land at once, and a Munich Re balance sheet is a genuine reassurance there. A rating is a solvency opinion, subject to change, not a claims-handling opinion.
Where we earn it on a manufactured home.
The mistakes here are specific: the wrong valuation basis for the home's age, the wind-hail deductible never explained, anchoring never discussed, and trip coverage forgotten when the home is moved. We match the valuation to the home, confirm the deductible and anchoring, and add trip coverage when it's needed — so the policy actually pays what you expect after an Arkansas storm.
The policies around this one.
American Modern manufactured home questions.
Why do I need a special policy for a manufactured home?
Because most standard homeowners carriers won't write a manufactured or mobile home at all. Manufactured homes are built and rated differently from site-built houses, and they carry a different wind exposure, so they need a policy designed for them.
American Modern has specialized in manufactured housing since the 1960s and writes it on dedicated forms. Using a specialty carrier isn't a downgrade here — it's simply the right market for the home.
What does American Modern manufactured home insurance cover?
The core homeowners coverages adapted to a manufactured home: the home itself, other structures like a deck, carport, or shed, your personal property, personal liability, medical payments, and loss of use if a covered loss makes it uninhabitable.
Manufactured-home policies also commonly offer specialty features such as trip or transport coverage when the home is moved, and options for how the home is valued. The valuation basis is the detail that matters most at a claim.
What's the difference between replacement cost, actual cash value, and stated value?
On a manufactured home, valuation is everything. Replacement cost pays to repair or replace without subtracting depreciation. Actual cash value subtracts depreciation, which on an older manufactured home can reduce a claim sharply because these homes depreciate faster than site-built houses. Stated value caps the payout at an agreed figure.
American Modern offers different valuation options depending on the home's age and condition, and choosing the right one is the single most important decision on the policy.
How does wind and hail work for a manufactured home in Arkansas?
Wind is the exposure that matters most. Manufactured homes are more vulnerable to high wind than site-built homes, so proper anchoring and tie-downs matter both for safety and for coverage, and Arkansas sees frequent severe storms and tornadoes.
Wind and hail are typically covered, but often with a separate deductible, and older homes may be written on an actual-cash-value basis. Confirming the deductible, the valuation, and that the home is properly anchored is exactly what we review at the quote.
Does it matter if I own the land or rent a lot?
It affects how the policy is structured but not whether you can be covered. Whether the manufactured home sits on land you own or on a leased lot in a community, American Modern can write the home itself, along with your liability and belongings.
If you own the land, you may also want coverage for other structures and the lot. Tell us the setup and we'll structure the policy to match it.
How do I get an American Modern manufactured home quote in Northwest Arkansas?
Start at our personal quote or call (479) 286-1066. Having the year, make, size (single- or double-wide), and whether the home is on owned land or a leased lot makes the quote faster and more accurate.
We'll confirm the valuation basis, the wind-and-hail deductible, and any trip or specialty coverage you need, and compare American Modern against our other manufactured-home markets.
If our coverage guides and carrier comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas manufactured-home owners can find our local explanations.
American Modern is one of 40+ carriers we represent.
Which means we can put your manufactured home with the market built for it and set the valuation honestly to the home's age — replacement cost, actual cash value, or stated value — plus the wind-hail deductible, anchoring, and trip coverage. Tell us the year, size, and setup, and we'll compare American Modern against our other manufactured-home markets. If a different carrier fits better, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not American Modern Insurance Group or Munich Re, and this page is not endorsed, sponsored, reviewed, or approved by them. "American Modern," "Munich Re," and related marks are marks of their respective owners, used here nominatively to identify a carrier we may compare. American Modern coverage is issued by its group underwriting companies, which may include American Modern Home Insurance Company and American Family Home Insurance Company; the underwriting company, coverage form, and program vary by state, product, and risk.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, not legal advice, and not a guarantee of coverage, availability, eligibility, or price. American Modern is a specialty insurer; manufactured and mobile home coverage is written on dedicated forms, and the valuation basis (replacement cost, actual cash value, or stated value), covered perils, and options such as trip/transport coverage vary by form and by the home's age and condition. Product availability and eligibility vary by state and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Wind-and-hail deductible, anchoring, and roof-settlement terms are general and vary by form; flood is a separate policy not included by default. If anything on this page conflicts with the issued policy, the policy controls.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices; current ratings are at ambest.com. The A+ (Superior) Financial Strength Rating referenced is assigned by AM Best to American Modern Insurance Group and its members; Munich Re also carries an A+ (Superior) Financial Strength Rating. Cost statements describe how specialty premiums are generally rated and are not a quote, not carrier-specific, and not a guarantee of your rate.
Last reviewed July 2026.