Is a Mobile Home Warranty Right for You?

If you’re considering purchasing (or already own) a mobile home or a manufactured home, then you probably already know they’re a reasonably priced, environmentally sustainable alternative to stick-built, traditional homes. Even though mobile homes are relatively affordable, most people don’t have significant extra cash available for immediate repairs and replacements after their initial home purchase.

Unfortunately, appliances and home systems are not built to last the lifespan of your mobile home. Because of this, many home buyers choose to invest in a mobile home warranty. These warranties function a lot like safety nets. Your investment in a mobile home warranty ensures that you won’t get stuck with an overwhelming bill if your appliances or home systems need to be repaired or replaced.*

Before you determine whether or not you should invest in a mobile home warranty for your manufactured home, you should understand exactly what a mobile home warranty is, what it covers (and what it does not cover)* and the benefits of home warranties in general. While many homeowners find that the extra peace of mind is worth the investment, some homeowners would rather take the risk of paying for repairs and replacements on an as-needed basis.

Take the time to inform yourself before you make the decision to invest in the protective coverage that mobile home warranties offer. When you’re ready to get your free quote from Choice Home Warranty, fill out the form or call (848) 256-4657.

What Exactly Is a Mobile Home Warranty?

A mobile home warranty with Choice Home Warranty offers the exact same protections as a home warranty purchased for a stick-built home. You are not penalized in terms of coverage whatsoever. In general, the mobile home warranty covers appliances (for example: refrigerators, ovens, washer/dryers, etc.) and home systems (for example: HVAC systems, septic systems, air conditioning systems, etc.).

Generally, the way that mobile home warranties function is as follows:
  1. You’ll put in a call to a service representative.
  2. They will connect you with a service professional.
  3. The service professional will come to your home to diagnose and/or complete the repair or replacement.
  4. Rather than having to pay for the entire covered repair or replacement, you’ll only need to pay a small service fee (this is similar to an insurance copay model in the healthcare system).

Keep in mind: home appliances and systems are getting more expensive. A New York Times piece from 2010 explains, “The reason many parts seem awfully costly these days is because they are,” said Celia Kuperszmid Lehrman, deputy home editor of Consumer Reports. “Appliances have many more electronic parts and circuit boards than in the past, and these parts can be more expensive than mechanical parts.”

What Does a Mobile Home Warranty Cover?

Choice Home Warranty offers two different mobile home warranty plans: Total and Basic.

Our coverage includes mobile and manufactured homes under 5,000 square feet, and we offer coverage for homes over 5,000 square feet for an additional fee.

More than likely, if your mobile home is a standard single-, double- or triple-wide, the square footage will fall under 5,000 feet. Single-wide manufactured homes are typically 600–1,300 square feet, double-wides are usually between 2,000–2,500 square feet and triple-wides are usually under 4,500 square feet.

Below, we’ll break down your coverage options by plan and then address optional additional coverage.

 

Choice Home Warranty: Basic Mobile Home Warranty Plan

The Basic Plan is a standard mobile home warranty package that offers coverage for most major appliances and systems. If you are interested in a standard plan that covers the essentials, the Basic Plan is for you.

It includes coverage for the following appliances and systems:

Basic Plan

  • Heating System
  • Electrical System
  • Plumbing System
  • Plumbing Stoppage
  • Water Heater
  • Whirlpool Bathtub
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Built-In Microwave
  • Garbage Disposal
  • Ductwork
  • Garage Door Opener
  • Ceiling and Exhaust Fans

Choice Home Warranty: Total Mobile Home Warranty Plan

The Total Plan is the most comprehensive home warranty plan available for your manufactured or mobile home. If you are interested in extra coverage (and extra peace of mind), the Total Plan is your best bet.

It includes coverage for the following appliances and systems:

Total Plan

  • Air Conditioning System
  • Heating System
  • Electrical System
  • Plumbing System
  • Plumbing Stoppage
  • Water Heater
  • Whirlpool Bathtub
  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Built-In Microwave
  • Garbage Disposal
  • Clothes Washer
  • Clothes Dryer
  • Ductwork
  • Garage Door Opener
  • Ceiling and Exhaust Fans

Additional Optional Coverage

With Choice Home Warranty, you can purchase additional coverage for an added cost. This is particularly important to consider if you live on a property that is not connected to city water and relies on a septic system, if you have appliances like a stand-alone freezer or if your home is outfitted with a well pump or sump pump system.

Choice Home Warranty offers additional coverage for the following appliances and systems:

Optional Coverage

  • Pool / Spa
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Limited Roof Leak
  • Septic System
  • Second Refrigerator
  • Stand Alone Freezer
  • Septic Tank Pumping

What Doesn’t a Mobile Home Warranty Cover?

Your mobile home warranty does not cover the following:
  • Appliances that are not located inside your home (or attached or detached garage)—Exceptions to this rule include exterior pools and spas, well pumps, septic tanks, and air conditioners.
  • Known or unknown pre-existing damages—If it is determined that your appliance or system is failing because of a known or unknown pre-existing condition and not general wear and tear, a mobile home warranty will not cover it.
  • Businesses—If you are using your mobile home as a day-care center, a nursing home or any other business, you cannot use a mobile home warranty to cover failing appliances or systems.
  • Cosmetic defects or routine maintenance—Sometimes your appliances and systems will need routine maintenance to keep them in good, working condition. A mobile home warranty plan does not cover this maintenance. Cosmetic defects are not considered “wear and tear” and are not covered under any home warranty plans.
  • Hazardous or toxic materials including but not limited to mold, lead paint or asbestos—Your home warranty plan will not cover any service that involves hazardous or toxic materials—these situations should be remedied through the Environmental Protection Agency.
  • Conditions caused by chemical or sedimentary build up, rust or corrosion, mildew, mold, misuse or abuse, failure to clean or maintain as specified by the equipment manufacturer, missing parts and structural changes—These issues can be, for the most part, avoided entirely with simple routine maintenance and basic home appliance and system care.
  • Issues cause by fire, freezing, electrical failure or surge, water damage, lightning, mud, earthquake, soil movement, soil settlement, settling of home, storms, accidents, pest damage, acts of God or failure due to excessive or inadequate water pressure—These factors do not fall under the umbrella of “normal wear and tear” and are never covered by mobile home warranty plans.
  • Repairs related to inadequacy—This means that if an appliance or system fails because of a lack of capacity, improper installation, mismatched systems, oversized systems, undersized systems, previous repair or design, manufacturer’s defect or any modification to the system or appliance, your mobile home warranty will not cover the repair.

Why Should You Consider a Mobile Home Warranty?

Before you decide whether or not to purchase a mobile home warranty plan, think about the many benefits of having extra coverage.

 

Warranties offer peace of mind

Homeownership comes with a lot of built-in stressors. Unlike rental situations, when something goes wrong in your home, you are on the hook to address the repairs or replacements yourself. A mobile home warranty takes off some of the pressure. If an expensive appliance or home system malfunctions due to inevitable wear and tear, a home warranty will protect you from unpredictable and unforeseeable costs.

You’ll receive convenient, fast service

One of the main benefits of having a mobile home warranty is the fact that you only deal with your Choice Home Warranty representative. You can skip the cumbersome step of contacting contractors for multiple quotes (you’re only responsible for the service fee!) and rest assured that your representative will send a qualified, professional, screened and trusted service provider to address your issue as soon as possible.**

Your house will sell faster

Because your Choice Home Warranty is fully transferable, it is actually an effective marketing tool if you are interested in selling your home. According to the Professional Warranty Service Corporation, “A study from the Service Contract Industry Council (SCIC) found that homes with systems and appliances warranties sell for an average of $2,300 more and 16% faster than their non-warranted counterparts. Consumer studies have found that a systems and appliance home warranty also reduces the number of days on the market by 16.14%.”

Compared to routine repairs, a warranty is inexpensive

Compared to the cost of repairs and replacements, home warranties are actually quite affordable. For example, sometimes even a single repair can cost $1,000. Often, if you use your insurance policy even once throughout the year, the home warranty pays for itself.

What Is the Difference Between Homeowners Insurance and a Mobile Home Warranty?

When it comes to manufactured homes, homeowners insurance is required by most lenders if you are financing your mobile home using a mortgage. Essentially, it covers you in the event of an insured disaster when it comes to property, your personal belongings, additional living expenses and liability. USA.gov (an online guide to government information and services that is officially endorsed by the United States government) puts it this way: “Homeowners insurance protects your home and personal property against damage or loss, and insures you in case someone gets hurt while on your property.” Costs vary widely and are usually dependent upon your location.

Understanding Homeowners Insurance: What Exactly Does the Word “Property” Mean?

When homeowners insurance policies say they cover your “property,” they are talking about the actual physical structure of your home. According to the Insurance Information Institute, this means, “your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy.” It does not cover you in the event of a flood or earthquake and will never cover routine wear and tear.

Understanding Homeowners Insurance: What Exactly Does the Term “Personal Belongings” Mean?

When a homeowners insurance policy says it covers your “personal belongings,” this generally just means, well, your stuff. It doesn’t cover appliances or systems in your home in the event of a disaster, but, according to the Insurance Information Institute, “Your furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters.” Again, it does not cover your personal belongings in the event of a flood or earthquake and will never cover routine wear and tear.

Understanding Homeowners Insurance: What Exactly Does the Term “Additional Living Expenses” Mean?

“Additional living expenses” are only covered in the event that your home is damaged to such an extent that you actually have to move out while it is being fixed. Additional living expenses coverage (or ALE coverage) covers your costs of living while you’re away from your home when damage is incurred due to an insured disaster. This coverage varies from policy to policy (and often has a cap, meaning it will only cover a certain amount of money and no more), but it generally covers hotel costs, meals at restaurants, and other costs that are a direct result of your temporary displacement.

Understanding Homeowners Insurance: What Exactly Does the Word “Liability” Mean?

“Liability” coverage is somewhat less straightforward than the rest of the protections offered by homeowners insurance. It includes no-fault medical coverage for individuals who may be injured in your home (although it does not cover medical coverage for you (the policy owner) or your family. It also covers property damage or bodily injury caused by you or your immediate family (as long as it is accidental). So if you accidentally ruin something of your neighbor’s, your homeowners will insurance cover it.

Choosing a Mobile Home Warranty

If you’ve weighed all your options and you are interested in purchasing a mobile home warranty, fill out the form or call (848) 256-4657 to speak to a Choice Home Warranty representative for a free quote.

 

How to Put Your New Home Warranty Coverage to Work

Once you’ve determined the exact coverage you need, your policy will start exactly 30 days from the date you are approved for coverage. Once your coverage has started, you can call a service representative seven days a week, 24 hours a day, 365 days a year. Here is a basic rundown of what will happen next:

  • Your Choice Home Warranty service representative will contact an authorized service provider within two days (or four days on weekends and holidays).**
  • The service provider will contact you to schedule an appointment during normal business hours.
  • You will pay a small service fee to the service provider, and they will provide the covered repair or replacement for your appliance.
It’s that simple!

 

* There are also specific limitations of coverage for each appliance and system. Click Here to view complete limits of liability and any exclusions. CHW offers service contracts, which are not warranties. ** See policy for specifics on response times. *** CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. **** In the event a claim is denied, and a customer seeks to have Us review that denial, We have the right to request routine maintenance records in reviewing its decision.