• Insurance Carrier: State Farm
  • State: PA

Consumer Complaint:

My agent told me it was PA state law that I had to buy manufactured home owners insurance for my modular home. It cost more than twice what a normal homeowners policy costs. I’ve been paying this high rate for over 5 years.

Insurance Expert Answer:

A manufactured home poses greater risks for loss or damage than a standard home, as if a claim occurs, there is a  greater likelihood of the home becoming a total loss.  In addition, some manufactured homes are situated in locations that are less stable and more crime prone than the average standard home, posing greater potential for theft or malicious mischief claims. Finally, the market to cover mobile or manufactured homes is far less competitive than that for standard homes.