Mobile home insurance - A Comprehensive Guide

Insurance created for owners of mobile or manufactured homes is known as mobile home insurance. The coverage only applies when the home is stationary.

Mobile home insurance - A Comprehensive Guide
Mobile home insurance - A Comprehensive Guide

Important Points to Consider:

  • Mobile home insurance offers protection for the mobile home structure, personal belongings, and accountability in case you cause harm or injury to someone else.
  • If your mobile home is not your main dwelling, you can secure additional insurance coverage for it.
  • Insuring an outdated or antique mobile home may pose a challenge as they are viewed as a higher risk, especially if they do not comply with construction code standards.

What are mobile home and manufactured home insurance?

Mobile home insurance, also known as manufactured home insurance, is a type of homeowners insurance that is specifically designed for those who own a mobile or factory-manufactured home or trailer. This insurance aims to safeguard your belongings in the event of any disastrous occurrence or malicious acts. The coverage for mobile home or manufactured home insurance includes various types of protection, which will be discussed in detail later.

What Home Insurance Policy do I Need for My Mobile Home?

When it comes to securing insurance for your mobile or manufactured home, there are several options available to you. One option is to go with an HO-7 policy, which is specially designed for mobile or manufactured homes but may only be available through specialty insurers.

Another option, which is a more accessible choice, is to get in touch with a conventional home insurance provider that offers either HO-2 or HO-3 policies, combined with mobile home endorsements.

The experts at Policygenius, who are licensed home insurance agents, can assist you in finding the right policy for your mobile home and compare prices from various insurance providers all from the comfort of your home.

What does mobile home insurance cover?

The following are some of the coverage components that are typically found in a mobile and manufactured home insurance policy:

Dwelling or structure coverage: Covers the physical composition of your mobile or manufactured home, including the walls, foundation, roof, and windows.

Mobile home extensions or other structures coverage: Covers other structures or buildings connected to your mobile home, such as sheds, patios, or garages.

Personal property coverage: Covers your personal possessions from damage or theft, whether they are inside or outside of your property.

Personal liability protection: Provides compensation for legal or medical expenses if you are held accountable for harm or injury to others.

Medical payments to others: Pays for the medical costs of someone visiting your home who is injured.

Additional living expenses: Offers reimbursement for extra expenses incurred if you need to relocate or temporarily reside elsewhere if your mobile home becomes uninhabitable.

Supplementary Mobile Home Insurance Coverage Options

Mobile home insurance also offers extra coverage options that can provide reimbursement for expenses that are not necessarily associated with daily life. Some of the additional coverage options include:

Credit card, identity fraud, and forgery protection: Covers costs incurred from unauthorized use of your credit card, cashed checks forged under your name, and expenses related to identity theft.

Tree, bush, and lawn protection: Coverage for your landscaping.

Debris removal coverage: If debris causes damage to your home due to a covered peril, you may be able to receive reimbursement for the cost of repairs.

Food spoilage coverage: If a power loss results in spoiled food, you may be able to receive reimbursement for the cost of the food.

Emergency protection and repair coverage: This may include protection for your mobile home in the event of damage during transportation or movement.

What Risks Does Mobile Home Insurance Cover?

Your insurance for your mobile home provides protection against different hazards that could harm your property. There are two types of policies you can choose from: named peril or open peril. A named peril policy only covers events specified in the policy, whereas an open peril policy covers everything unless it's listed as a specific exclusion in the policy.

Perils Covered by Named Peril Policy

  • Fire and lightning
  • Smoke
  • Windstorms and hail
  • Theft
  • Vandalism
  • Explosions
  • Riots and civil unrest

Exclusions in Open Peril Policy

  • Flood damage
  • Earthquake damage
  • Wet rot or mold
  • Damage from neglect
  • Maintenance-related issues

It is possible to extend your policy coverage to include specific perils such as earthquakes or floods through an endorsement.

The Cost of Mobile Home Insurance

On average, standard homeowners insurance is priced at $1,899 annually. However, it is not uncommon for mobile home insurance to cost more due to the increased risk of wind damage and other hazards. Factors that influence the cost of your mobile home insurance premium include:

  • The age of the mobile home.
  • The dimensions of the mobile home.
  • Your prior insurance claims record.
  • The site of your mobile home.
  • Protective features like smoke alarms.
  • The size of your deductible.

Mobile home insurance companies

The following are four insurers that offer or concentrate on mobile home insurance. It's crucial to keep in mind that policy options may not be accessible in all states, and coverage may vary depending on the insurance company.

Foremost mobile home insurance

Foremost mobile home insurance has been providing specialized coverage for high-risk homes since 1952 and offers comprehensive policies to ensure your peace of mind.
Foremost mobile home insurance has been providing specialized coverage for high-risk homes since 1952 and offers comprehensive policies to ensure your peace of mind.

Foremost was established in 1952, and since then, it has been focused on offering insurance policies for homes that have a high-risk profile.

Foremost provides extensive insurance coverage for mobile homes, including additional perils not commonly offered by other insurance providers, such as protection against collapse due to ice and snow. Additionally, Foremost gives you the option to upgrade your coverage to include replacement costs for your belongings.

How to get a mobile home insurance quote

Online through Foremost

Foremost mobile home insurance near me

State Farm mobile home insurance

State Farm Mobile Home Insurance: Available in All 50 States with High Customer Satisfaction Ratings.
State Farm Mobile Home Insurance: Available in All 50 States with High Customer Satisfaction Ratings.

State Farm, with its availability in all 50 states, has earned the trust of customers, as reflected by its high customer satisfaction ratings from both J.D. Power and the NAIC complaint index.

In addition to providing standard mobile home insurance coverage, State Farm also offers fair rental value coverage in the scenario where you choose to rent out your mobile home. The insurer has several optional coverage options available, such as identity theft restoration and earthquake protection.

How to get a mobile home insurance quote

Online through State Farm

State Farm insurance agent near me

Allstate mobile home insurance

Allstate - A Leading Home Insurance Company
Allstate - A Leading Home Insurance Company

As the second largest homeowner insurance provider in the nation, Allstate has received high marks for customer satisfaction from J.D. Power. With a strong presence in all 50 states, the company offers standard mobile home insurance coverage and various discounts to make it more budget-friendly, such as a discount for installing security measures and a discount for combining home and auto insurance policies.

How to get a mobile home insurance quote

Online through Allstate

Allstate insurance agent near me

Assurant mobile home insurance

Discover the peace of mind that comes with Assurant mobile home insurance.
Discover the peace of mind that comes with Assurant mobile home insurance.

Assurant collaborates with firms like Geico and Liberty Mutual to present adaptable insurance policies for mobile homes. The company provides online quotation systems and supplementary cover options and insures both recently-acquired and previously-owned mobile homes.

How to get a mobile home insurance quote

Online through Assurant mobile home insurance

Assurant insurance agent near me

Which types of mobile homes can be insured with mobile home insurance?

The insurance company's coverage eligibility for mobile homes varies. Some of the following types of mobile homes can be insured:

  • Double-wide manufactured homes and double-wide mobile homes
  • Modular homes
  • Park model homes and certain RVs
  • Trailers, travel trailers, and fifth-wheel trailers
  • Sectional homes
  • Single-wide manufactured homes and single-wide mobile homes

Older mobile home insurance

Getting insurance coverage for an older mobile home can be a challenge, as it may have failed inspection and may not meet current building codes. However, by making renovations to your vintage mobile home, insurance companies may be more likely to insure it, reducing the risk associated with it. If you're unable to secure insurance for your manufactured home, it may be worth exploring alternative insurance providers or making updates to the home.

Is Mobile Home Insurance a Must?

If you have taken a mortgage loan for your mobile home, your lender will mandate that you get mobile home insurance. Additionally, some mobile home communities also make it mandatory to have insurance coverage. Nonetheless, even if you are not obliged to do so by either of the two mentioned above, it's still advisable to opt for mobile home insurance. In the absence of coverage, you would be responsible for financing any repairs that may arise.

Note on RV Insurance

It's important to keep in mind that if your mobile home is designated as a recreational vehicle and you intend to drive it on public roads, you'll have to comply with the legal requirement of having RV insurance.

How do mobile home insurance claims work?

The amount an insurance firm is bound to pay you in case of a covered loss is based on the policy you have: actual cash value or replacement cost.

Actual Cash Value/Agreed Loss Payment: It takes depreciation into account when providing reimbursement. Agreed-loss policies are cost-effective but may not provide adequate coverage for those who have lived in their manufactured home for an extended period.

Replacement Cost: This policy replaces your property at the cost of purchasing new, without considering depreciation. Although it provides robust coverage, it may not be as affordable.

A deductible must be paid upon submitting a claim for property loss

The deductible represents the initial sum you must pay your insurance company before your coverage takes effect. Suppose you have a $500 deductible and file a claim for a $5,000 loss. In that case, you would pay $500 to your insurance provider, and they would cover the remaining $4,500.

Savings on Mobile Home Insurance

Insurers reward policyholders who take measures to protect their property, such as installing security systems, with reduced premiums. Other available discounts include:

Combined Policy Discounts: By obtaining multiple policies from the same provider, you may be eligible for discounted rates on some of them.

Age-based Discounts: Some insurance companies offer seniors, sometimes as young as 50, a lower rate.

First Owner Discounts: Some providers offer savings to those who are the original owners of their mobile or manufactured homes.

Homeowners Insurance Companies: 


American Family


Auto-Owners Insurance

Chubb Insurance

Erie Insurance

Farmers Insurance

The Hartford


Liberty Mutual



State Farm


The information about insurance providers included here is intended for informational purposes only and does not imply endorsement of any particular company or product. The writers of this content and the website itself are not authorized to sell or provide insurance advice. Not all coverage options, discounts, and features may be available in every state. To learn more about any of the companies mentioned or to get a quote, please reach out to an insurance company, agent, or financial advisor directly. The content is not a general recommendation for homeowners insurance products or a specific endorsement of a particular insurer or product. Any rates listed are provided as examples only. You should reach out to the insurance provider or agent directly to get applicable quotes.