John Kelly (Partner-New York, NY) authored “From Personal to Real Property: How New Laws Are Rewriting Risk for Manufactured Housing,” posted on the May 14, 2026, PLUS Blog. In the article, John discusses how recent state and proposed federal legislation might reshape the legal and insurance landscape for manufactured housing. He explains that New York’s Land-Home Property Act now allows certain manufactured homes to be reclassified from personal property to real property if they meet requirements such as permanent foundations, land ownership, or long-term lease arrangements. This change could ease financing and tax burdens for homeowners while aligning these homes more closely with traditional single-family residences.

The article also discusses proposed federal legislation that would eliminate the longstanding requirement that manufactured homes be built on permanent steel chassis. John notes that removing this mandate could reduce construction costs, encourage permanent placement of homes and expand affordable housing opportunities, particularly in urban areas.