It can be true for pre-1986 manufactured homes in poor condition. However, manufactured homes built in the past ten years actually carry higher wind ratings than most site-built homes. When properly set, a modern manufactured home is very safe.
Work with an insurance agent that is contracted with the best mobile home insurance companies and knows which ones offer the best value in your area. Raising your deductible and choosing to pay in fewer payments also lowers your premium.
Yes. In fact, it’s usually better. Some mobile home owners policies have more comprehensive coverage and include flood insurance.