Not all carriers cover mobile homes. Mobile homes are a different risk than traditional stick-built homes for a few reasons. For instance, in the instance of a fire, you can’t replace part of a mobile home, like you could rebuild part of a traditionally built home. Fortunately, we work with some of the most experienced providers of mobile home or manufactured home insurance. Whether your home is in a park or outside of a park, we can offer comprehensive coverage to keep your home, your belongings, and you protected.
Mobile Home Insurance – Frequently Asked Questions
- What is mobile home insurance and how is it different from homeowners insurance?
Mobile home insurance is designed specifically for manufactured or modular homes. While it offers similar protections as homeowners insurance—like coverage for the structure, belongings, and liability—it accounts for unique construction, anchoring, and mobility considerations. - What does a mobile home insurance policy typically cover?
A standard policy covers your mobile home structure, personal property, liability for injuries or property damage to others, and additional living expenses if your home becomes uninhabitable due to a covered loss. - Is mobile home insurance required by law?
It’s not legally required in most states, but if you have a mortgage or live in a park community, insurance may be required by the lender or park owner. - Can I get replacement cost coverage on a mobile home?
Yes. Many insurers offer replacement cost coverage for newer mobile homes. For older homes, coverage may be limited to actual cash value, which accounts for depreciation. - Does mobile home insurance cover weather-related damage?
Yes, standard policies typically cover wind, hail, lightning, and fire. However, damage from floods, earthquakes, or hurricanes may require separate policies or endorsements. - Are detached structures like sheds or carports covered?
Yes, if they’re listed under “other structures” in your policy. Make sure these are included and their values are updated to reflect true replacement costs. - Is my personal property covered inside my mobile home?
Yes. Furniture, electronics, clothing, and other belongings are covered up to policy limits. High-value items like jewelry or collectibles may need to be specifically listed. - What is loss of use or additional living expenses coverage?
This pays for temporary housing, meals, and other costs if your mobile home is uninhabitable due to a covered claim. - Can I get coverage if my mobile home is in a park or rented lot?
Yes. Most mobile home policies cover homes in parks or on leased land. You may also need liability coverage for park-related incidents, especially if required by the park agreement. - How can I reduce the cost of mobile home insurance?
Secure your home with tie-downs or skirting, install smoke detectors and security systems, bundle your policies (home + auto), raise your deductible, or choose actual cash value coverage to lower premiums. - What if I have completely rebuilt my mobile home- is it still a mobile home?
Yes. For insurance purposes, if it ever had a hitch or wheels or was ever considered a mobile home, it’s typically always considered a mobile home and insured as such.
