Is Your Mobile Home Properly Anchored? How It Affects Insurance

Anchoring your mobile home isn’t just a physical safety precaution, it’s often a critical step that can directly impact your insurance eligibility and premiums. Proper anchoring can help your home remain securely fastened to the ground, reducing the risk of severe damage during high winds, storms or seismic activity. For homeowners in areas prone to extreme weather, this can mean the difference between minor repairs and total loss.

Am I Required to Anchor a Mobile Home?

From an insurance perspective, anchoring is often a requirement. Many insurers will not issue a policy or may limit coverage if a mobile home, also known as a manufactured home, is not properly anchored according to local or U.S. Department of Housing and Urban Development standards. Anchoring systems may often include steel straps and ground anchors that stabilize the structure. These systems must be installed correctly and inspected regularly to remain compliant.

Can Anchoring Affect My Rates?

Even if you qualify for coverage, failing to anchor your home can lead to higher premiums. Insurance companies assess risk levels when determining rates, and an unanchored or improperly anchored home is likely to be considered a high-risk property. As such, you may be quoted higher rates or be denied coverage altogether. On the other hand, a well-anchored home can demonstrate proactive risk management, which can qualify you for lower premiums and additional coverage options.

Addressing Issues

If you’re unsure whether your mobile home is properly anchored, consider scheduling a professional inspection. Many states and municipalities also offer guidelines or assistance programs to help homeowners meet anchoring requirements.

We’re Here to Help

If you own a mobile home in or around Albertville, AL and want to discuss how anchoring may impact your insurance coverage, contact Freedom Auto Insurance today. Our team can help assess your situation and guide you through the process of securing an optimal mobile home insurance policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.