How are mobile homes primarily insured?

Mobile homes are primarily insured through endorsement to a Dwelling Policy (DP) or a Homeowners (HO) policy because these endorsements allow for comprehensive coverage tailored specifically to the unique needs of mobile home owners. This option provides coverage that accounts for the specific risks associated with mobile homes, such as their mobility and construction materials, while ensuring that they are protected similarly to a traditional home.

Endorsements are particularly advantageous since they enable the integration of mobile home coverage into existing policies, allowing policyholders to benefit from broader protections, including liability coverage and personal property protection that might not be available in standalone policies. This approach also reflects the typical insurance market practices where mobile homes are treated as personal property, rather than real estate, which further supports the need for appropriate endorsement rather than relying solely on standalone policies or standard insurance types.

In contrast, while it's possible for mobile homes to be covered under standalone policies or as part of homeowners policies, these methods are not the primary means of insuring them given the specific requirements for coverage that endorsements provide.