Modular homes are usually insured with standard HO-3 homeowners policies, just like site-built homes, because they meet local building codes and are installed on permanent foundations. How Insurance for Modular Homes Works, At a Glance Insurance for modular homes is more straightforward than many expect.  These homes meet state and local building codes, which means they’re treated the same as traditional houses by most insurance companies.  You can expect an HO-3 policy, which covers the structure, your belongings, liability, and loss-of-use, just like any single-family home. What you need to know: Modular homes must be permanently affixed to qualify for standard coverage. Builder’s risk coverage is essential during delivery and assembly. Flood insurance is not included and must be purchased separately. Document upgrades like solar, metal roofing, or impact glass to avoid undercoverage. Homes built with ICF or wind-rated features may qualify for premium discounts. A well-documented, properly classified modular home won’t just be easier to insure, it’ll be easier to live in with peace of mind. Later in this guide, we’ll also break down common pitfalls, cost factors, and how to make your policy work smarter for Florida’s storm-prone conditions. Why Modular Homes Are Treated Like Traditional Houses by