Modular home insurance companies are, in most states, simply homeowners insurance companies: a modular home built to the local building code and set on a permanent foundation is insured on a standard homeowners form, not the manufactured home form that mobile homes carry. The confusion at quote time is the carrier's, and the paperwork settles it. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
Modular versus manufactured, on the application
A manufactured home is built to the federal HUD code on a permanent chassis and carries a HUD label; a modular home is built in sections to the state or local building code and assembled on a foundation like any site-built house. Carriers ask which, and the answer decides the form, the price and sometimes whether the carrier will write it at all.
What to have ready
The building permit and certificate of occupancy showing the local code, the foundation type, the year built and the manufacturer's documentation. A carrier that sees those quotes the home as site-built.
What the homeowners form gives you
Replacement cost on the dwelling as standard, the same deductibles and endorsements as any house, and the full market of carriers rather than the shorter manufactured home list. The III reports that 5.5 percent of insured homes had a claim in 2022, so most policy years end with nothing paid out and the price is paid for the year something is.
Compare filed rates
The rate pages on this site show homeowners rates by state, coverage and situation; a modular home compares against them like any house of its size and location. The filed rates on this site show how carriers price this where you live, and quotes taken on the same limits and deductible are the only fair comparison.
Questions people ask about modular home insurance companies
Do modular homes need special insurance?
No. On a permanent foundation, built to local code, a modular home is insured on a standard homeowners policy.
Why did a carrier quote my modular home as a mobile home?
The application or the agent conflated the two; the permit and certificate of occupancy show the local code and the foundation.
Are modular home insurance companies different from homeowners carriers?
Not in most states; the homeowners market writes them.