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Mobile home insurance is similar to homeowners insurance, but instead you get specialized coverage for your factory-built home.
Whether you call it a mobile home, a manufactured home, or just home-sweet-home, we understand that the insurance requirements are different than for a site-built home, so we give you a policy that's an excellent fit for both the latest modular designs as well as the classic mobile home.
Mobile home insurance helps protect your manufactured or mobile home from a variety of covered risks, including fire, wind, hail, lightning, theft, vandalism, and certain types of water damage. A typical policy may also include coverage for your personal belongings, detached structures, personal liability, medical payments to others, and additional living expenses if your home becomes temporarily uninhabitable following a covered loss.
Coverage options vary by insurance company, so it's important to choose a policy that reflects the value of your home and your individual needs.
The terms are often used interchangeably, but there is an important distinction. Homes built before June 15, 1976, are generally referred to as mobile homes, while homes built on or after that date are classified as manufactured homes because they were constructed under the federal HUD Manufactured Home Construction and Safety Standards.
Insurance companies may ask for the year your home was built to determine eligibility and available coverage options.
Mobile home insurance is generally not required by law, but it is often required if your home is financed. Lenders typically require insurance to protect their investment until the loan has been paid in full. Some mobile home parks may also require residents to maintain liability insurance.
Even when insurance isn't mandatory, it can provide valuable financial protection against unexpected losses.
Like most insurance policies, mobile home insurance contains exclusions. Standard policies generally do not cover flood damage, earthquakes, normal wear and tear, neglect, pest damage, mold caused by ongoing moisture issues, or damage resulting from poor maintenance.
If you live in an area prone to flooding, purchasing a separate flood insurance policy is often recommended.
Yes. Most mobile home insurance policies cover damage caused by windstorms, hail, lightning, and other covered weather events. However, coverage may vary depending on your location, the age of your home, and the insurance company you choose.
Properly anchoring your mobile home and maintaining it according to manufacturer recommendations may help reduce storm damage and could qualify you for certain insurance discounts.
Yes. Most policies include personal property coverage for belongings such as furniture, clothing, electronics, appliances, kitchen items, and other household possessions if they are damaged by a covered loss.
Creating a home inventory and reviewing your coverage limits regularly can help ensure your personal belongings are adequately protected.
Insurance premiums are based on several factors, including the age and value of the home, its location, construction type, claims history, deductible, coverage limits, and any safety features such as smoke detectors, security systems, or tie-down systems.
Bundling your mobile home and auto insurance, maintaining your home, and choosing an appropriate deductible may help lower your premium.
Yes. Mobile home insurance typically includes personal liability coverage if you're found legally responsible for injuries to another person or damage to someone else's property. The policy may also help pay legal defense costs associated with covered liability claims.
Many homeowners choose higher liability limits or add an umbrella liability policy for additional financial protection.
Yes. Many insurance companies offer coverage for older mobile homes, although eligibility and available coverages may vary depending on the home's age, condition, updates, and location. Some insurers may require inspections or documentation showing that electrical, plumbing, heating, or roofing systems have been updated.
An independent insurance agency can compare multiple companies to help find coverage for older mobile or manufactured homes.
You should review your mobile home insurance policy at least once each year and whenever significant changes occur. Renovations, additions, purchasing valuable personal property, changes in occupancy, or increases in replacement costs may all affect your insurance needs.
An annual policy review helps ensure your home remains properly insured and that you're receiving all available discounts and appropriate coverage for your current situation.
