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Mobile Home Insurance Quote

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mobile home insurance

Mobile home insurance is a type of property insurance specifically designed to protect mobile or manufactured homes. Unlike regular homeowners’ insurance, mobile homes are built in a factory and can be moved, so they have different risks and coverage needs.

What does mobile home insurance cover?‍

Your home and other structures

This includes the house, permanently attached items and surrounding structures like a garage or shed.

Personal belongings

A policy can help pay to repair or replace your personal belongings at their actual cash value if they're stolen or damaged by a covered loss.

Claims against you

If you're at fault for someone's injuries or property damage, personal liability could help pay for legal and medical costs.

Miscellaneous

A policy can help cover debris removal, credit card and check forgery, food spoilage and more.


Mobile home insurance is especially important because standard homeowners’ policies often don’t cover mobile or manufactured homes. Premiums are usually lower than traditional home insurance, but costs depend on location, age of the home, and coverage limits. Choosing the right policy ensures peace of mind, protecting both your home and your belongings

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Frequently Asked Questions

What is mobile home insurance?

Mobile home insurance (also called manufactured home insurance) protects your mobile or manufactured home against risks such as fire, theft, storms, vandalism, and liability claims.

Mobile home insurance is not legally required, but:

  • Mortgage lenders usually require it

  • Mobile home parks often require proof of coverage

Insurance is available for:

  • Single-wide mobile homes

  • Double-wide mobile homes

  • Triple-wide manufactured homes

  • Modular homes (with special policies)

Homes must usually be built after June 15, 1976 (HUD code compliant).

Most standard policies include:

  • Dwelling coverage – structure of the home

  • Personal property – furniture, electronics, clothing

  • Liability protection – injuries or property damage to others

  • Additional living expenses – temporary housing after a covered loss

  • Other structures – sheds, garages, decks

Typically excluded:

  • Flood damage (requires separate flood insurance)

  • Earthquakes (optional add-on)

  • Normal wear and tear

  • Pest damage

  • Neglect or poor maintenance

  • Wind damage is covered in most states

  • In coastal areas, wind or hurricane coverage may require:

    • Higher deductibles

    • Separate wind policy

Average cost:

  • $300 – $1,200 per year

Cost depends on:

  • Home value and age

  • Location

  • Weather risk

  • Coverage limits

  • Deductible amount