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Real-World Examples and Pricing Context

For example, according to recent data, the average cost of manufactured home insurance in the United States ranges from $300 to $1,000 per year, depending on the factors mentioned earlier¹. In Florida, where the risk of hurricanes is higher, premiums might be on the upper end of this spectrum². Conversely, in states like Ohio or Indiana, you might find more affordable options due to lower risk factors.

When evaluating your options, it's crucial to understand the different types of coverage available. Basic policies typically cover the structure and contents, but you might want to consider additional coverage for flood damage or increased liability limits, especially if your home is located in a high-risk area. Some insurers also offer replacement cost coverage, which pays to replace your home or belongings without deducting for depreciation, providing more comprehensive financial protection.