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Can You Get a Home Warranty for a Mobile Home?

Can You Get a Home Warranty for a Mobile Home?

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Can You Get a Home Warranty for a Mobile Home?

A mobile home might be the perfect opportunity if you're considering a new investment. And if you’re drawn to the easy and convenient life a mobile home offers, you aren’t alone. Estimates say that nearly 20 million Americans currently live in these structures.

But if this is your first time buying a mobile home, the odds are that you have a few questions. How is buying a mobile home similar to buying a traditional home? And in what ways does the process differ?

In this post, we will cover one pressing question for first-time mobile home buyers. Namely, can you get a home warranty for mobile homes?

Use our convenient online form to schedule a free case evaluation with Morgan & Morgan to learn more. We’re here to help if you need more specific legal guidance.

Why a Mobile Home Might Be a Good Fit for You

Before we learn more about the specifics of mobile homeownership, let’s discuss why investing in a mobile home might be a good idea in the first place. There’s a reason why millions of Americans are drawn to this type of living. Here’s why:

It’s More Affordable

As of 2022, the median cost of a traditional home in the United States is $408,100. Needless to say, this price point is much too high for many first-time buyers.

This is exactly why mobile homes are growing in popularity and will continue to do so. In many places, the upfront costs of mobile homeownership are around 50% cheaper than the upfront costs for traditional homeownership. That fact alone makes this an appealing option for many first-time buyers.

It Allows Greater Privacy

If you are considering an apartment or condo instead, keep in mind that a mobile home will offer you greater privacy. You can place a mobile home on any property you own or rent, which means that you have options to give yourself as much space as you need or can afford.

Access to a Welcoming Community

You might choose to rent a plot in a mobile home community. Doing so offers a number of advantages. Choose between family-friendly parks, age-restricted parks, or other community types that speak to you. These parks are always welcoming and keen to keep the community safe and protected.

Lower Utility and Maintenance Costs

Upfront costs are less expensive for a mobile home, and your ongoing utility and maintenance costs will also be much lower. This advantage is so noteworthy that it’s usually the number one reason people choose mobile homes over traditional routes. 

Because the mobile home is smaller and simpler than a traditional abode, you may even be able to perform several repair and maintenance jobs on your own. DIYing your home upkeep is a great way to cut back on costs.

It’s a Great Option for Want-to-be Homeowners

It probably goes without saying, but mobile homes are the only feasible choice for many want-to-be homeowners. With today’s astronomical housing costs, this option has become the best choice for a growing number of people. Additionally, modern mobile homes are comfortable, beautiful, and offer everything you need.

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FAQ

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  • Why Is a Home Warranty Necessary?

    Whether you go the mobile home or traditional route, there are some protective policies you will need. One of those is a home warranty. 

    A home warranty is a great way of protecting the investment you are about to make. Buying a home—mobile or otherwise—can be a huge financial burden. But with a warranty, you can protect yourself from more unexpected costs down the road.

    A warranty is only $50 or so a month for a traditional home. For a mobile home, that payment is even less. In the long run, this small fee is well worth the investment when it saves you from an expensive appliance repair or replacement.

    It’s especially wise to invest in a home warranty in any of these scenarios:

    • You’ve purchased a mobile home with older appliances and systems
    • You are new to the area and don’t have established relationships with local contractors
    • You don’t have the skills, time, or desire to perform DIY repairs on your own

    Of course, there are limits to what a home warranty will cover. But it’s well worth the investment, so long as you pick a warranty plan from a reputable company. Later on, we will dive deeper into what a warranty does and does not cover. But before we get there, let’s talk more specifically about mobile home warranties. 

  • Can You Get a Home Warranty for Mobile Homes?

    Fortunately, the answer to “Can you get a home warranty for mobile homes?” is yes. But there’s a lot you should know before you make a decision. 

    At most, a mobile home warranty will cost you $600 a year, but that figure will depend upon the size of your home and its location. That number also depends on the type of coverage you are interested in. 

    There are three basic coverage plans to choose from when you're considering, “Can you get a home warranty for mobile homes?”

    Appliance Plans

    As the name suggests, this type of coverage includes most major home appliances. That will likely include your dishwasher, stovetop, and garbage disposal. For additional money, you may be able to add other appliances to your coverage plan. 

    System Plans

    This type of coverage is more tailored to the systems within your home. It includes coverage for your AC, ductwork, plumbing system, heating system, and furnace. As you might imagine, repairs on these systems can get quite costly, so this type of coverage is generally a good idea.

    Combo Plans

    Again, the name here kind of gives it away. A combo plan is a plan that offers combined coverage for both appliances and systems. It’s usually your best choice if you want to cover all of the basics or customize the coverage you need. 

    Ultimately, the choice is up to you and depends upon the type of coverage you need and the amount of money you are willing to spend. There are several warranty companies you can choose from, but some of the highest-rated include Liberty Home Guard, Choice Home Warranty, and American Home Shield. 

  • What Might a Mobile Home Warranty Cover?

    Of course, the type of warranty you pay for reflects the amount of coverage you can expect. But to give you a general idea of what is typically covered by mobile home warranties, here is an outline:

    Appliances

    The appliances in a mobile home often differ from those found in a traditional home. A mobile-specific home warranty plan will likely include coverage of these important appliances:

    • Washer and dryer
    • Built-in microwave
    • Dishwasher
    • Refrigerator
    • Oven
    • Stove and range
    • A free-standing ice maker
    • A built-in food center

    If you have additional appliances that need to be included in the coverage, try contacting the warranty office directly to discuss your options.

    Systems

    Again, the types of systems in a mobile home might be slightly different from their traditional counterparts. Overall, here is a list of the types of systems that are usually included:

    • Ceiling fans
    • Smoke detectors
    • Central vacuum
    • Instant water dispenser
    • Garbage disposal
    • Water heater
    • Plumbing
    • Ductwork
    • HVAC

    If you want to combine coverage, remember that a combo plan might be a good fit for your situation. Either way, the sooner you decide upon the type of coverage you need and want, the sooner you can secure peace of mind that your new investment is protected.

  • Can Anything Void My Mobile Home Warranty?

    As with any home warranty, certain actions can void your mobile home warranty coverage. 

    The most common action that will void a warranty is attempting to perform your own unauthorized repairs on a covered system or appliance. The warranty can also be voided because you waited too long to call for a repair or replacement.

    Essentially, if you take actions that compromise the integrity of the original system, you won’t be able to receive coverage. Any signs of unusual wear and tear will void the coverage you’ve paid for. 

  • Can I Buy a Home Warranty After I’ve Already Closed on My House?

    You can indeed buy a home warranty after you have already closed on your mobile home. However, it’s usually best to take the plunge before closing if you want to lock in at a lower premium rate. When you buy before closing, you also gain the advantage of a knowledgeable real estate agent who can help to connect you with the right plan.
     

  • When Should I Call a Lawyer About My Home Warranty?

    If you believe you have wrongfully been denied coverage under your mobile home warranty plan, it may be time to call an attorney. Disputing a denial can be a long and complicated process, and a lawyer can make it much easier. 
     

  • How Much Does a Lawyer Cost Up Front?

    The right lawyer won’t request any payment upfront but will discuss a contingency-based payment plan with you early on. At Morgan & Morgan, we like to say that the Fee is Always Free. You won’t ever have to worry about making a payment at our firm until we win your case. 

  • Schedule a Free Case Evaluation With Morgan & Morgan

    Now you know the answer to the question, “Can you get a home warranty for mobile homes?” If you have additional unanswered questions or concerns about the sale or purchase of a mobile home or warranty, don’t hesitate to get in touch. You can make an appointment for a free case evaluation using our simple online form

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