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What to consider when making mobile home improvements

A woodworking project

What's possible where you live?

Before you dive into a mobile home addition of any kind, take a close look at what's possible. Start with taking a walk around your neighborhood to see what others have done. Then check if your community or park has any restrictions on what can be added to your home. And consult with a contractor or local official that understands construction guidelines in your state and what's required under the federal Manufactured Home Construction and Safety Standards.

What does it take to do it right?

Adding on to a mobile home is more complicated than most people think. You need to pay special attention to how your home is constructed and supported. For example, let's consider a simpler addition such as a deck. You could attach it directly to the side of your home and use posts to support the other end, but this could potentially lead to problems. If your home isn't supported by concrete footings placed beneath the frost line, it could move if the ground shifts, and the deck could break away. That's why people with homes on cinder blocks often add decks that meet the side of their homes, but aren't directly connected. Posts support the deck separately. If the home shifts, the deck won't move with it.1

Will it sell?

Selling your home may not be top of mind, but it's something to consider. Down the road you may decide to buy a larger home or hit the road in an RV. That's why it's good to take a look at recent sales of mobile homes in your area. It will help you determine whether or not it's worth putting money into an addition or other improvements.

Will it void my warranty?

If your mobile home is still under warranty, read it thoroughly or call the company before you begin your project. Find out if the warranty has any restrictions on additions or other improvements.

From start to finish, home additions or renovations take much longer than a television hour. But if you take time to determine what's best for you and prepare for the process, it can be just as exciting and rewarding. If you decide to move forward with your project, photograph your experience and tell Foremost about it. Post your story on the AARP® Motorcycle & Mobile Home Insurance Program from Foremost Facebook page.

1. "Adding on to Your Manufactured Home." Web log post. Mobile Home Repair. N.p., n.d. Web. Dec. 4, 2015.

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Availability: The AARP Mobile Home and Motorcycle Insurance Programs from Foremost are offered in most states but may not be available in your area at this time. Policies, coverages, coverage amounts and discounts may vary by state. All coverages may not be available in all areas.

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases.

The AARP Motorcycle and Mobile Home Insurance Programs are unavailable in some areas of the country, certain Florida Atlantic and Guild Coast counties, Hawaii, Puerto Rico and the Virgin Islands. FX Insurance Agency, LLC. is a subsidiary of Farmers Group, Inc.

*Information from the Foremost Mobile Home Market Facts Survey (2018)

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