Modular Home Insurance
Modular home insurance is designed for properties built using prefabricated, sectional, factory-built or modular construction methods, which may be treated as non-standard construction by insurers.
Because modular homes can have different construction, transport, installation, structural and rebuild considerations from traditional properties, a specialist broker may be able to help review suitable cover options.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.
Specialist Referral Support for Modular Homes
Modular homes can include factory-built sections, prefabricated panels, off-site manufactured units, modern modular homes and other properties assembled using non-traditional construction methods.
Quote Monkey may be able to refer your enquiry to a specialist insurance broker who can review the construction details, occupancy, property condition, rebuild value and cover requirements.
Common Insurance Sections for Modular Homes
Buildings Insurance
Buildings insurance may help protect the structure of the modular home, including walls, roof, floors, foundations, fixtures, fittings, outbuildings and permanent features, subject to the policy wording.
Non-Standard Construction Cover
Modular homes may be reviewed as non-standard construction. Insurers may ask about the building system, materials, manufacturer, installation, foundations, cladding, roof type and structural certification.
Contents Insurance
Contents cover may help protect furniture, appliances, personal belongings, valuables and household items kept inside the modular home.
Property Owners' Liability Insurance
Property owners' liability may help protect against certain claims if a visitor, contractor, neighbour or member of the public is injured or their property is damaged and you are held legally liable.
Loss of Rent or Alternative Accommodation
Depending on the property use, some policies may include loss of rent or alternative accommodation if the modular home cannot be occupied following insured damage.
Who May Need Modular Home Insurance?
Modular home insurance may be suitable for:
Owners of modular homes
Owners of prefabricated homes
Owners of factory-built homes
Self-build property owners
Owners of non-standard construction homes
Residential landlords
Property investors
Owners of modular holiday homes
Owners of modern off-site manufactured properties
Owners of modular homes used as second homes
Owners needing buildings, contents and liability review
Owners of properties with modular extensions or sections
Why Modular Homes Need Specialist Review
Modular homes can vary widely in design and construction. Some may be timber framed, steel framed, panelised, factory assembled, sectional, or built using proprietary systems.
Insurers may want to understand how the home was constructed, transported, installed and fixed to foundations, as well as whether there are any guarantees, certificates, structural reports or manufacturer details available.
Buildings, Contents and Installation Considerations
Buildings cover for modular homes may need accurate construction and rebuild details, as repair or replacement can depend on the original manufacturer, materials, modular system and availability of specialist contractors.
Where contents cover is required, insurers may also consider whether the property is owner-occupied, let, vacant, used as a holiday home or part of a wider property portfolio.
Other Non-Standard Construction Types
Modular homes are one example of non-standard construction. Other property types that may need specialist review can include steel frame, straw bale, thatched, timber frame, cob, rammed earth, concrete block, historic and listed buildings.
Each construction type can present different insurance considerations, so accurate construction details are important when requesting a specialist broker referral.
Information a Specialist Broker May Ask For
To review a modular home insurance referral, a broker may ask for:
Property address and postcode
Property age and type
Construction method and materials
Manufacturer or modular system details
Whether the home was factory-built, panelised or sectional
Foundation and installation details
External wall and cladding details
Roof construction
Whether any structural reports, certificates or warranties are available
Rebuild value
Contents value
Occupancy details
Whether the property is owner-occupied, let, vacant or used as a holiday home
Claims history
Whether any works are planned
Whether buildings, contents, liability, loss of rent or alternative accommodation cover is required
What May Not Be Covered
Modular home insurance cover depends on the insurer, construction details, property condition, occupancy, policy wording, exclusions and conditions. Common restricted or excluded areas may include:
Wear and tear or gradual deterioration
Poor maintenance
Existing structural damage or known defects
Undeclared non-standard construction details
Installation or foundation issues not caused by an insured event
Unoccupied periods not disclosed to the insurer
Tenant, commercial or holiday letting use not declared
Major works or structural alterations unless agreed by the insurer
Theft without forced or violent entry, depending on policy terms
Claims outside the insured use or construction description
Failure to comply with inspection or maintenance conditions
Always check the full policy wording, schedule, exclusions, endorsements and conditions before relying on cover.
Request a Specialist Broker Referral
If you need modular home insurance reviewed by a specialist broker, you can submit details of the construction, manufacturer, installation, occupancy, rebuild value and required cover.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.