Is a modular home insured the same as a manufactured home?

The distinction matters for coverage and pricing. Modular homes are built in sections off-site, then assembled on a permanent foundation that meets local building codes. They are typically classified as site-built homes for insurance purposes and eligible for standard homeowners policies (Travelers, Nationwide, Safeco, etc.). Manufactured homes are built to federal HUD standards on a permanent chassis, regardless of whether the chassis is removed or left in place. These require specialty manufactured-home insurance through carriers like Foremost or Stillwater. If you are unsure of classification, check the home's HUD tag (if present) or ask the manufacturer. A misclassified policy can be a coverage problem at claim time.