Manufactured & Mobile Home Insurance in Danville, IN
Smart Coverage for Your Manufactured or Modular Home
Your home is your sanctuary — whether it’s built on-site or delivered and installed. Manufactured and mobile homes in Indiana face specific risks like wind, hail, and foundation shifts. At Hadley Insurance, we provide tailored policies that protect your property, lifestyle, and peace of mind.
As an independent, family-run insurance agency in Danville, we know how to build the right plan for mobile home owners across Hendricks County and beyond.
What Our Manufactured Home Insurance Covers
Our policies are built specifically for mobile, modular, and manufactured housing. Coverage typically includes:
- Dwelling Protection – Covers your home’s structure from fire, windstorms, and more
- Personal Property Coverage – Protects belongings like electronics, furniture, and clothing
- Liability Coverage – Helps with legal costs if someone is injured on your property
- Loss of Use Coverage – Pays for hotel or housing if your home becomes temporarily uninhabitable
- Additional Structures – Covers sheds, decks, garages, and carports
Popular Add-On Options
- Replacement Cost (not just actual cash value)
- Trip collision coverage (for homes being moved)
- Flood protection (often not included in base policies)
- Utility structure coverage for HVAC, plumbing, and attached systems
Who Needs Manufactured or Mobile Home Insurance?
If you live in or rent out a mobile or modular home, specialized insurance is a must. This coverage is ideal for:
- Homeowners living in Danville or greater Indiana
- Families in mobile home parks or on private land
- Seasonal homeowners in manufactured housing
- Landlords or rental property managers
Local Risks to Consider in Indiana
Indiana’s weather and rural landscapes can pose unique threats to mobile and manufactured homes:
- Wind and hail damage from frequent Midwest storms
- Settling or shifting of home foundations
- Vandalism or theft in less populated areas
- Risk of fire from older electrical systems or heating sources
Frequently Asked Questions
Mobile & Manufactured Home Insurance in Indiana
Is this different from standard homeowners insurance?
Yes. Manufactured home insurance policies are designed specifically for factory-built or modular homes. They account for risks like wind damage and foundation shifting—things standard home policies typically exclude.
Can I insure an older manufactured home?
Yes. Hadley Insurance offers coverage for homes of all ages across Indiana. We’ll assess the condition and structure to provide the right level of protection.
What if I rent the lot where my mobile home sits?
You still need coverage. While you may rent the land, your dwelling, personal property, and liability must be protected under your own Indiana manufactured home policy.
Does this coverage include attached structures like porches or sheds?
Yes. Most policies allow you to include coverage for additional or attached structures such as decks, garages, or storage units.
Is flood coverage included?
Generally not. You’ll need a separate flood insurance endorsement to fully protect against rising water or storm surge.
Peace of Mind for Your Home Investment
Mobile & Manufactured Home Insurance in Indiana You Can Trust
At Hadley Insurance, we help you protect the home you’ve built — no matter how it was built. With local service, real coverage options, and years of experience, you can trust us to keep your home secure.