HO-7
A homeowners policy form designed for manufactured homes. Sometimes called MH-3 or a mobile home form, it is the manufactured-housing counterpart to the HO-3.
Also called: MH-3, MH3, HO7
An HO-7 is a homeowners policy form designed specifically for manufactured and mobile homes. It is sometimes called an MH-3 or a mobile home form, and it is the manufactured-housing counterpart to the standard HO-3 used for site-built houses.
It typically bundles the same core protections as a regular homeowners policy: coverage for the home itself, for other structures such as sheds and carports, for personal belongings, for extra living costs after a covered loss, and for personal liability. Specific terms and exclusions vary from carrier to carrier.
What sets it apart is how it is underwritten. Carriers look at the home's age, foundation, tie-downs, roof and wind zone, and may offer replacement cost or actual cash value depending on the home. Optional endorsements can add coverage such as water backup.
Common questions
Do I need an HO-7 for my manufactured home?
Usually the policy you buy for a manufactured home is on a manufactured-home form like this, since a standard homeowners form is not designed for it.
Related terms
More in Coverage & policy
- Dwelling coverage (Coverage A)
- Other structures (Coverage B)
- Personal property (Coverage C)
- Loss of use (Coverage D)
- Personal liability (Coverage E)
- Medical payments (Coverage F)
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