Manufactured Home Insurance in Indiana
Protect your manufactured home—and everything in it—with coverage designed for how you live. AOG Group with Allstate, based in Indianapolis and serving all of Indiana, helps you find manufactured home insurance that fits your budget, lifestyle, and long-term plans.
Why Manufactured Home Insurance Matters
Whether your manufactured home is your first home, your forever home, or your downsizing move, it’s one of your biggest investments. Just like a site-built house, it faces risks every day—storms, fire, theft, vandalism, and unexpected accidents.
Manufactured home insurance helps you:
- Repair or rebuild after covered damage
- Replace your belongings if they’re stolen or destroyed
- Protect yourself if someone is injured on your property
- Stay financially stable after a covered loss
Our AOG Group team understands the unique needs of manufactured homeowners in Indiana—from severe weather and wind to park or community requirements. We’ll help you choose coverage that protects what matters most.
What Does Manufactured Home Insurance Typically Cover?
Every policy is customized, but most manufactured home insurance plans include:
Dwelling Coverage
Helps pay to repair or rebuild your manufactured home if it’s damaged by a covered event such as wind, hail, fire, or vandalism.
Personal Property Coverage
Covers your belongings—furniture, electronics, clothing, appliances—if they are stolen, damaged, or destroyed by a covered loss. We’ll help you estimate how much coverage you really need.
Liability Protection
If someone is hurt on your property or you accidentally cause damage to someone else’s property, liability coverage can help with legal costs and medical bills, up to your policy limits.
Additional Living Expenses
If a covered loss makes your manufactured home temporarily uninhabitable, this coverage can help pay for reasonable living expenses, like hotel stays or short-term rentals, while repairs are being made.
Manufactured Home Insurance Tailored to Indiana
Living in Indiana comes with its own set of risks and weather patterns—from summer storms to winter freezes. As a local agency, AOG Group with Allstate understands:
- How Midwestern storms impact manufactured homes
- Community or park requirements for homeowners
- The right coverage options for rural, small-town, and suburban areas
We don’t believe in one-size-fits-all policies. Instead, we’ll listen to your needs, review your current coverage (if you have it), and design a policy that makes sense for your home and budget.
Ways to Save on Manufactured Home Insurance
Protecting your manufactured home doesn’t have to break the bank. We’ll help you explore potential savings and discounts, which may include:
- Multi-policy discounts when you bundle your manufactured home and auto insurance
- Protective device discounts for smoke alarms, security systems, or deadbolt locks
- Responsible payer discounts for paying on time
- Claims-free discounts for homeowners with a clean claims history
Our goal is simple: help you get the right coverage at a competitive price, without cutting corners on protection.
Who We Serve
AOG Group with Allstate is headquartered in Indianapolis, Indiana, and proudly serves manufactured homeowners across the entire state, including:
- Indianapolis and surrounding suburbs
- Northern Indiana communities
- Central and Southern Indiana small towns and rural areas
Whether your manufactured home is in a residential community, on private land, or part of a larger property, we can help you find coverage that fits.
Why Work with AOG Group with Allstate?
You have plenty of choices when it comes to insurance. Here’s why Indiana homeowners choose AOG Group:
- Local Expertise: We live and work in Indiana—we understand local risks and community needs.
- Personal Guidance: We take time to explain your options in plain language so you feel confident in your choices.
- Relationship-Focused: You’re not just a policy number. We’re here to support you year after year as your life changes.
- Allstate Strength: Get the personal service of a local agency backed by the strength and stability of Allstate.
Frequently Asked Questions About Manufactured Home Insurance
Do I really need special insurance for a manufactured home?
Yes. Manufactured homes have unique construction and placement characteristics, so they’re insured differently than traditional site-built homes. A manufactured home policy is designed to protect the structure, your belongings, and your liability based on how manufactured homes are built, installed, and lived in—helping ensure you’re properly covered.
What affects the cost of manufactured home insurance in Indiana?
Your premium is based on several factors, including the age and size of your home, its location in Indiana, the materials used, your coverage limits and deductibles, and your claims history. Safety features like smoke alarms, security systems, and storm shutters can often help lower your cost. Our AOG Group team will walk you through how each factor impacts your rate.
Are my personal belongings covered inside my manufactured home?
In most cases, yes. A standard manufactured home insurance policy can cover your personal belongings—such as furniture, electronics, clothing, and appliances—if they’re damaged or stolen due to a covered event. We’ll help you choose appropriate personal property limits so your most important items are protected.
Does manufactured home insurance cover storm or wind damage?
Many manufactured home policies offer coverage for certain types of storm and wind damage, which is especially important in Indiana. However, every policy is different and some weather-related losses may have special conditions or deductibles. We’ll review your options with you so you understand exactly what is and isn’t covered before you buy.
Can I bundle my manufactured home and auto insurance with AOG Group?
Yes. Many Indiana customers choose to bundle their manufactured home insurance with auto or other policies through AOG Group with Allstate. Bundling can simplify your coverage and may qualify you for multi-policy discounts, helping you save money while keeping your protection under one local agency.
Get a Manufactured Home Insurance Quote in Indiana
Ready to protect your manufactured home with coverage you can count on?
Our team at AOG Group with Allstate is here to help you compare options, understand your coverage, and feel confident that your home and belongings are protected.
Call us today to request a manufactured home insurance quote in Indiana, or contact us online to schedule a personalized coverage review.
Protect your manufactured home with a local Indiana team you can trust—AOG Group with Allstate.
Disclosures: Product features, discounts, underwriting, and availability vary by policy form and state. Terms, limits, conditions, and exclusions apply. Coverage is subject to policy language. We’ll review specifics with you before you buy.
