NAICS UNIVERSITY · Free research for insurance agents
Manufactured (Mobile) Home Dealers
NAICS 459930 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing new and/or used manufactured homes (i.e., mobile homes), parts, and equipment.
Start the review with open lot inventory.
For Manufactured (Mobile) Home Dealers, the saved research highlights open lot inventory, products liability, premises liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many homes are typically on the lot at one time, and what is the approximate total inventory value?
- Does the dealership perform or directly employ workers for setup, tie-down, blocking, or utility connections, or is all that work subcontracted?
- What is the lot's location relative to flood plains, coastal areas, or known high-wind corridors?
- Does the dealer own transport vehicles or trailers, or is all home transport arranged through third parties?
- Are used, repossessed, or trade-in homes accepted, and if so, what portion of inventory is used vs. new?
- Does the dealer offer in-house financing or carry any paper on sold homes?
- What is the prior loss history, particularly any open lot wind, hail, or flood events?
- Are there any model homes connected to live utilities, and are parts or accessories inventoried for resale?
Activities described by this code
Other activities to examine
- Retailing new or used motor homes, campers, and travel trailers: 441210 — Recreational Vehicle Dealers
- Retailing prefabricated buildings and kits without construction: 444180 — Other Building Material Dealers
- Performing manufactured (mobile) home set up and tie-down work: 238990 — All Other Specialty Trade Contractors;
- Manufacturing prefabricated residential buildings and assembling/erecting them at the customers' site: 31-33 — Manufacturing, based on the primary material (wood, plastic, or metal)
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Manufactured home dealers display new and used factory-built homes on an open sales lot, typically offering financing, delivery coordination, and sometimes ancillary setup or tie-down services. Day-to-day operations involve customer walkthroughs of model homes on the lot, sales and finance transactions, coordination with manufacturers and transporters, and in some cases management of parts, accessories, and skirting materials. Inventory sits on the lot — sometimes for extended periods — exposed to wind, hail, fire, and theft.
Questions to investigate
- How many homes are typically on the lot at one time, and what is the approximate total inventory value?
- Does the dealership perform or directly employ workers for setup, tie-down, blocking, or utility connections, or is all that work subcontracted?
- What is the lot's location relative to flood plains, coastal areas, or known high-wind corridors?
- Does the dealer own transport vehicles or trailers, or is all home transport arranged through third parties?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.