Targeted for manufactured homes that are 20 years old or newer, our HO-3 Homeowners policy includes dwelling coverage, personal liability, personal property, additional living expense, other structures, and third-party medical payments.
Mobile home form: HO-7 A typical mobile home insurance policy is an HO-7 form. It helps protect the personal property and physical structure of the home. This type of policy form is a modified version of an HO-2. The perils covered by an HO-7 may be different than those covered by a standard HO-2.
The HO-7 policy is an insurance policy for mobile home owners. It covers the dwelling and other structures, personal property, personal liability, loss of use, and medical expenses of others for mobile homes, RVs, sectional homes, modular homes, and trailers while stationary.
For HO3 policies, it's common to see open perils coverage for your home itself and named perils for your personal property. HO5 policies feature open perils coverage for both. If you're a condo owner with an HO6 policy, you're covered for everything inside the walls of your place for named perils.
For regular homeowners, HO-1 and HO-2 are named-peril policies, while the HO-3 is the all-perils policy. The HO-4 covers apartment renters, but condo owners are best served by an HO-6. Mobile homes are covered under the HO-7, but only when they're stationary; motor homes aren't covered.
• The 433 A provides the State of California's Housing and Community Development (HCD) notification from Stanislaus County that a manufactured home or commercial modular structure has been installed on a foundation system on private property and has been approved for occupancy.
Unlike the 433C, the 433A is more than just a paper document. The process requires pulling a permit with the jurisdictional building department, installing a proprietary or approved engineered system, subsequent inspection by the building authority and then recording that document.
A few of the varieties of manufactured home varieties include mobile homes, modular residences, pre-cut residences and those which are panelized.
There are 192,890 manufactured housing units in New York State – making up 2.4% of the state's total housing stock. In rural areas of the state, that percentage jumps to 10.3% of housing stock with 100,802 manufactured housing units.
• The 433 A provides the State of California's Housing and Community Development (HCD) notification from Stanislaus County that a manufactured home or commercial modular structure has been installed on a foundation system on private property and has been approved for occupancy.