Mobile home
The pre-1976 name for a factory-built home. It is still used casually for any manufactured home, but strictly it means a unit built before the HUD Code took effect.
Strictly, 'mobile home' means a factory-built home constructed before June 15, 1976, when the federal HUD Code took effect. Homes built after that date are called manufactured homes.
In everyday use, though, people say 'mobile home' for any manufactured home, and insurers use both terms. Search engines and insurance forms often use 'mobile home insurance' to mean coverage for either type.
The distinction matters for insurance because pre-1976 homes were not built to a national standard. Some carriers decline them, and others offer them only on actual cash value or limited terms.
Common questions
Can I insure a mobile home built before 1976?
Sometimes. Fewer carriers write them, and coverage is often more limited, so it helps to compare several quotes.
Related terms
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