Personal Insurance

Mobile Home Insurance — Protection for Your Manufactured Home

Mobile and manufactured homes have unique construction characteristics that require specialized insurance — not a standard homeowners policy. We work with carriers that understand manufactured housing.

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What Mobile Home Insurance Covers

Mobile home insurance is similar to a standard homeowners policy — but tailored to the specific construction and risk profile of manufactured homes.

Dwelling Coverage

Covers the structure of your home — walls, roof, floors, and built-in fixtures — against fire, windstorm, vandalism, and other covered perils.

Personal Property

Covers furniture, electronics, clothing, appliances, and other personal belongings against covered perils.

Personal Liability

Covers you if someone is injured on your property or you accidentally cause damage to others' property.

Additional Living Expenses

If your home is uninhabitable after a covered loss, pays for hotel costs and other additional living expenses during repairs.

Other Structures

Covers detached structures — carports, storage sheds, decks, and fences — typically at 10% of your dwelling limit.

Trip Collision Coverage

If you move your mobile home, trip collision coverage protects it during transport — a coverage that standard homeowners policies don't address.

Manufactured home insurance expertise

We write manufactured home insurance for single-wide, double-wide, and triple-wide homes — whether on owned land, leased lot, or in a mobile home community.

Why mobile homes need specialized coverage

  • Different construction than site-built homes
  • Higher wind vulnerability in many regions
  • HUD code vs. building code standards
  • Manufactured homes on leased lots have different needs
  • Older homes may require higher-risk carriers
  • Tie-down and anchoring requirements

Important Coverage Considerations

Most Important

Wind & Hurricane Coverage

Manufactured homes are more vulnerable to windstorm damage. Wind coverage is essential — and in some coastal areas, a separate wind policy may be required.

  • Critical in tornado-prone regions
  • Wind/hail often a separate deductible
  • Coastal areas may require separate policy
  • Tie-down standards affect rates
Key Decision

Replacement Cost vs. ACV

Older manufactured homes are often insured on ACV due to depreciation. Newer HUD-code homes may qualify for replacement cost.

  • ACV typical for older homes
  • Replacement cost for newer homes
  • Significant difference at claim time
  • Ask about functional replacement cost

Owned Land vs. Leased Lot

If you own the land, it can be included in your program. If you lease a lot, your needs are different — the park's master policy may cover some structures.

  • Land value vs. home value
  • Park-owned vs. resident-owned infrastructure
  • Lot lease agreements and requirements
  • Liability while in a park community

Trip / Transportation Coverage

If you need to move your manufactured home, standard policies may not cover damage during transport.

  • Covers damage during transport
  • Separate from standard policy
  • Required when relocating home
  • Usually short-term coverage

Medical Payments

Pays medical expenses for guests injured on your property regardless of fault.

  • Covers guests on your property
  • No fault determination required
  • Typically $1,000–$5,000
  • Separate from liability coverage

Flood Coverage

Flood is excluded from standard manufactured home policies. Manufactured homes in lower-elevation areas have significant flood exposure.

  • Separate NFIP or private flood policy
  • Manufactured homes in flood plains
  • Elevation certificates may help
  • Contact us about flood options

Common Questions

  • No — mobile home insurance is a specialized form designed for manufactured housing. Standard HO-3 policies won't cover a manufactured home. You need a policy specifically written for manufactured housing.

  • Manufactured homes are typically valued using actual cash value (depreciated) or replacement cost depending on the home's age and condition. Newer HUD-code homes may qualify for replacement cost.

  • Land value isn't typically covered — land doesn't get damaged by fire or wind. Improvements to the land (driveways, landscaping, decks) may be covered under other structures.

  • Coverage is similar, but there are nuances around liability and any park requirements for minimum coverage. Some parks require proof of insurance as a condition of the lot lease.

  • Key factors include the home's age and condition, location, construction type, whether it's properly anchored and tied down, your claims history, and the coverage limits and deductibles you choose.

Get the right coverage for your manufactured home.

We work with carriers that specialize in manufactured housing — finding the right coverage for your home's age, location, and construction.

Get a Mobile Home Quote Talk to an Advisor