[tophcfa]

Mobile/manufactured homes are tricky. They represent a big hurricane risk to insurers. Insurability often depends on year built (the building codes got more restrictive for later built homes), and the tie down system securing the homes. Many insurance companies dropped them from their insurance portfolios. Many people that own manufactured homes opt to only carry renters insurance, which covers the contents of the home, but not the home itself. The reasoning for this is that the risk is minimal relative to the cost of insurance. Most of the actual value is the land the home is built on and the contents of the home, not the home itself. Of course, if there is a mortgage on the home the lender will require homeowners insurance to protect the value of their collateral.