Whats the difference between mobile and modular homes

You may have heard different names used for your mobile home and homes like it over time. To make sure you're getting the most out of a mobile home insurance quote, you'll want to make sure that you're using the most accurate term to describe the type of house you live in.

How your home is classified plays an important role in the type of insurance you need to protect your home and belongings. Before you get a mobile home insurance quote, you should determine if you have a mobile home (which, as explained below may also be called a manufactured home) or a modular home. For modular home, you need to get a quote for a standard homeowners policy.

The Difference Between Mobile and Manufactured Homes

Manufactured homes and mobile homes are regulated by the Department of Housing and Urban Development (HUD). The only difference between the two types of homes is the date they were built. According to HUD, a factory-built home prior to June 15, 1976 is a mobile home and one built after June 15, 1976 is a manufactured home.

Both manufactured homes and mobile homes have several common traits:

  • Usually built in a factory and taken to the property where they are set up
  • May be built on a metal frame instead of a crawlspace or basement
  • Sometimes have tie downs in place of a permanent foundation

The Difference Between Modular Home and Mobile Homes

Modular homes and mobile homes are also built in factories and then installed on site. From there the similarities start to fade. Modular homes must follow local building codes in the state and county they're installed. Panelized homes also fall under this category. Modular homes tend to have a few characteristics in common:

  • Often delivered in 2 or more pieces
  • Typically built on crawlspaces or basements
  • Usually look like traditional “stick-built” homes in both size and features

Still not sure?

Look for a tag. Mobile and manufactured homes typically require a tag with renewal each year because they can be moved or relocated.

Our counselors are also always more than happy to help you figure out what kind of insurance is right for you, you can reach them at (800) 841-2964.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Home » Manufactured Homes » Mobile? Modular? Manufactured? What’s the Difference and How to Choose the Right One?

Whats the difference between mobile and modular homes

Tiny houses and other alternative forms of homeownership have captured the public imagination.

Pictures of adorably minuscule homes in beautiful settings dominate Pinterest sparking wanderlust, admiration, and surprise. Mobile, manufactured, and modular homes are an affordable alternative to traditional single-family homes in the same way tiny houses can be.

Unlike tiny houses, however, these homes have enough space to comfortably accommodate a family and tend to have floor plans that feel like a traditional home. While the terms mobile, manufactured, and modular are used interchangeably, they refer to different types of homes. Additionally, the differences between them impact the lifestyle of the people who live in them.

What is a Mobile Home?

The definition of a mobile home has changed drastically since the late 1970s. Prior to the 1976 Mobile Home Construction and Safety Act, mobile homes were easily moved living spaces that were built off site, and there wasn’t much supervision to building standards. The ‘HUD Code’ formally regulated production safety and quality and stipulated that official documents should refer to these types of homes as manufactured homes from 1976 onward.

So, “mobile homes” refers to homes built before 1976 and “manufactured homes” refers to those built after 1976 under a higher set of building standards.

What is a Manufactured Home?

Manufactured homes offer families the chance to own a comfortable, amenity-filled home at a fraction of the cost. Built in a well-regulated homebuilding facility that helps limit delays, manufactured homes have an almost endless list of customizable features. Once transported to the site, builders place the home on wooden pillars, metal piers, a solid foundation or a basement.

Families living in manufactured homes have a spacious and luxurious floor plan. Bedrooms in many manufactured homes can fix a king-sized bed, bathrooms have enough space for a bathtub and dual sinks, and storage spaces remain unobtrusive. Customization options in manufactured homes include granite and quartz countertops, stone accents, hardwood or tile flooring and a range of different floor plans. Manufactured homes must adhere to federal regulations and codes, including those relating to construction and energy efficiency.

What is a Modular Home?

Modular homes have the same spacious floor plans and seemingly endless customization options found in manufactured homes. Like manufactured homes, people feel drawn to the inherent flexibility and affordability found in modular homes.

Modular homes get built in home building facilities in multiple pieces, unlike manufactured homes that get built in one piece. The completed two to five pieces of the home get transported to the home site, where they are then joined on top of a solid foundation. Once all the pieces are joined, these homes look similar to site-built homes. These homes must adhere to local and state codes, depending on where the building is located.

As modern lifestyles changes to become increasingly more flexible, the way we define a home is also shifting. Manufactured homes and modular homes give people looking for the stability and comfort of a single family home the chance to invest in that dream without sacrificing their lifestyle.

Whats the difference between mobile and modular homes

After graduating in 2016 from The University of Texas with a degree in English, Sanda Brown became a content writer for the BDX with a focus on website copy and content marketing.

At the BDX, Sanda helps write and edit articles on NewHomeSource.com, writes website copy for builders, and manages a team of freelancers that work on additional content needs.

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Reader Interactions

Is mobile and modular home the same?

Both mobile homes and manufactured homes are prefabricated structures, built in a factory on a permanently attached chassis before being transported to site. A modular home, on the other hand, is built to the same local, county, and state building codes as a site-built home.

How can I tell the difference between a modular home and a manufactured home?

The main difference between manufactured and modular homes is that manufactured homes are built to the national HUD code, while modular homes are built to all applicable state and local building codes. This is similar to the way traditional site-built homes are constructed.

Are modular homes the same as trailers?

These questions include things like, “Is a modular home a trailer?” Well, I'm here to tell you the simple answer to this question is no. Today's modular homes are very different from the trailers and mobile homes of the past, inside and out.

What is cheaper a modular or manufactured home?

Manufactured homes are more affordable because modular homes are built to a more rigorous building code that increases the cost of the home.