Insurance is designed to respond to risk, and the difference between these homes present different kinds of risk. Here's a handy breakdown of how insurance companies view mobile and manufactured homes.
- Manufactured: The only real difference between manufactured and mobile homes is a technical definition - most insurance companies consider them identical.
- Mobile: Are movable and never include more than one story.
- Modular: They sit on a foundation that is more physically similar to a permanent structure. Because of this, some insurance companies often underwrite modular homes as a regular homeowners policy.
So, the type of insurance you'll get is dependent on the type of home it's classified under. Airstreams would be more of an RV-type of insurance
. For more information on mobile homes, see here