If you have a mobile home and you need insurance, chances are you need to get familiar with your vehicle identification number (VIN). The VIN on your mobile home is more than just a registration number – it holds key information about your mobile home.
When you’re ready to get a quote, find your VIN number. You’ll need it for the most accurate rates.
What Is a Mobile Home VIN Number?
Think of a VIN number as a serial number for your manufactured home. It’s an easy way to identify:
- The manufacturer: The manufacturer’s ID is the first three digits of the VIN and are usually letters. This tells you who made the mobile home.
- The state where it was built: The next two letters identify the state where the home was built.
- Serial number: This set of numbers assigned by the manufacturer is unique to your home.
- Section code: This letter tells you if the mobile home has more than one section and where the data plate is in the home. Single-wide homes with only one section don’t have a section code. Sections are defined as A or B to signify double-wide and triple-wide homes respectively.
The VIN on your mobile home should match the VIN listed on the ownership title. If you have more than one section, there may be more than one VIN and title for each section of the home.
Where to Find Your Mobile Home’s VIN
The mobile home VIN number may be in one of two places on the home:
- On the data plate on the interior of the home.
- Stamped on the steel frame of each section of the home.
Every mobile home is required by the Department of Housing and Urban Development (HUD) to have a data plate, which is installed while the home is built in the factory. The plate can often be found in the master bedroom’s closet wall, under the kitchen sink on the cabinet doors, or near the HVAC system closet. Some mobile homeowners find that the data plate has been removed or painted over, so you may need to do some exploring.
The VIN could also be located on the exterior of the home. If there is more than one section of the mobile home, the VIN is stamped on each section and may have a slightly different number based on the section.
If your mobile home already has a skirt around it, locating the steel chassis may be difficult. You’re looking for letters and numbers that are at least three-eighths of an inch tall. Look for the steel beam running parallel with the front of the home that the original triangular tongue beam attached to when transporting. This is one of the easier places to locate the VIN. For other areas of the mobile home, you may have to remove some of the skirting to locate it.
What’s On a Data Plate?
In addition to the VIN, that data plate has other handy information:
- Manufacturer’s name and address.
- Serial number with model designation.
- The date of manufacture.
- The required HUD statement: “This manufactured home is designed to comply with Federal manufactured Home Construction and Safety Standards in force at the time of manufacture.”
- A list of certification labels affixed to each transportable section of the home.
- List of all factory-installed equipment.
- Map and reference with wind zone, snow load, and roof load of the manufactured home.
If you’re remodeling or repairing, preserve the data plate. You might put plastic over it and take and store photos of the plate to make sure the data is accessible.
What Is a HUD Tag?
The HUD tag or HUD label is a certification on the exterior of the mobile home. It sits on a two-inch by four-inch metal plate to preserve the writing on it. It’s usually on the right back corner of the mobile home. A HUD tag is required on all manufactured homes made after June 1976.
Insurers often require your home to have a HUD tag to ensure the home meets construction and safety standards. Many companies won’t insure a mobile home without one.
And now that you know where to find all this information about your home, let’s see if you can save some money on your mobile home insurance. It only takes a few minutes to get a quote!