Mobile Home Insurance
Specialized coverage for manufactured and mobile homes.
Typical cost: $300 – $1,500 per year
Mobile Home Insurance
Mobile home insurance (manufactured home insurance) provides coverage similar to standard homeowners but is designed for the unique construction, materials, and risks of manufactured housing. Standard homeowners policies don't cover mobile homes.
Coverage Differences
Mobile homes are more vulnerable to wind damage and total loss. Policies account for whether the home is on owned or rented land, whether it's on a permanent foundation, and its age and construction standards (pre-1976 HUD code vs. newer).
Actual Cash Value vs. Replacement
Mobile homes depreciate faster than traditional homes. Replacement cost coverage is more expensive but pays to replace with a similar new home. Actual cash value deducts depreciation, potentially leaving you unable to replace your home.
What's covered
Dwelling Coverage
Covers the mobile/manufactured home structure against covered perils.
Personal Property
Protects belongings inside and around the mobile home.
Other Structures
Covers decks, porches, carports, and storage sheds.
Liability Protection
Covers injuries and property damage you are responsible for.
Trip Collision
Optional coverage if your mobile home is being transported.
Tips
- • Choose replacement cost coverage if available for your home
- • Anchor and tie down your home to reduce wind damage risk
- • Consider flood insurance—mobile homes are often in flood zones
- • Insure permanently attached structures like decks separately
- • Document your home with photos and serial number records
Other home insurance types
Condo Insurance
Coverage tailored for condominium owners and their unique needs.
Townhouse Insurance
Protection for townhouse owners including shared wall coverage.
Vacation Home Insurance
Coverage for second homes and seasonal properties.
New Construction Insurance
Protection for newly built homes during and after construction.
Historic Home Insurance
Specialized coverage for older and historic properties.
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