What Manufactured and Mobile Home Insurance Covers (2024)

A manufactured and mobile home insurance policy provides coverage for the structure and your personal property.

Aly J. Yale
Written byAly J. Yale
Aly J. Yale
Aly J. Yale
  • National Association of Real Estate Editors member

  • Bylines include Forbes, Bankrate, and CBS News

Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated May 23, 2024

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Mobile home insurance policies — sometimes referred to as manufactured home insurance — offer two main types of insurance coverage: physical damage coverage for the mobile home and your belongings, and personal liability coverage.

Mark Friedlander, director of corporate communications at the Insurance Information Institute (Triple-I), explains that these coverage options are generally available for the following types of mobile homes: mobile homes located in a park or on private property, commercial mobile homes, seasonally used mobile homes, and rental mobile homes.

If you have a mobile home in any of these locations, here’s what you need to know about manufactured home insurance.

Quick Facts
  • Mobile home insurance isn’t required by law, but mortgage lenders may require it.

  • This type of policy provides liability protection and coverage for physical damage.

  • A modular home isn’t the same thing as a manufactured or mobile home and generally requires different coverage.

Why do you need mobile home insurance?

Mobile home insurance financially protects both the structure of your mobile home and your personal property. This coverage isn’t required by law, but if you have a mortgage on the mobile home, your lender will likely require you to have insurance.

“Just like any other property insurance policy, mobile home insurance should be purchased to financially protect you and your family from catastrophic losses,” Friedlander says.

Not having mobile home insurance can leave you on the hook for an expensive bill if your home is damaged or completely destroyed by fire, a severe weather event, or another peril.

Not Covered on the Go

Standard mobile home insurance policies don’t protect your mobile home while in transit. You may be able to purchase temporary coverage to insure the home and your personal belongings when moving it.

What does mobile home insurance cover?

Mobile home coverage typically provides protection against physical damage, personal liability, and loss of your property’s use. Here’s a deeper look at the coverages included in most mobile home policies.

  • illustration card https://a.storyblok.com/f/162273/x/fc58ba8be2/robber.svg

    Dwelling

    Dwelling coverage pays for any accidental damage that occurs to your mobile home or other related structures, like an attached deck or storage shed. Eligible perils include theft, wind, hail, fire, falling objects, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/100x100/32ed42213e/personal-property.svg

    Personal belongings

    Personal property coverage pays for damage done to your belongings inside the home if a covered event occurs. For example, if your couch was destroyed in a fire or someone stole your TV in a burglary, this coverage would pay to replace it.

  • illustration card https://a.storyblok.com/f/162273/100x100/e0a53737be/health.svg

    Personal liability

    If someone is injured on your property and files a claim or lawsuit against you, personal liability coverage can help pay for the associated costs including medical expenses and lost wages. This coverage can also apply to property damage you cause to other people’s property.

  • illustration card https://a.storyblok.com/f/162273/100x100/e5213a7025/loss-of-use.svg

    Loss of use

    If you’re unable to live on your property after a covered event and are forced to move to a hotel or other living arrangement, loss of use coverage will pay for those hotel costs. It can also cover food and other living expenses you incur during displacement.

See More: Guide to Personal Liability and Home Insurance

See More: Guide to Personal Liability and Home Insurance

What does mobile home insurance not cover?

Just like homeowners insurance, mobile home insurance doesn’t cover everything that could happen to your home.

Mobile home insurance generally excludes:

  • Flood damage: You typically need to buy separate flood insurance to help protect against flood damage. This coverage can be quite expensive, and you can purchase it from some private insurers or through the National Flood Insurance Program (NFIP). You should consider this coverage if you live in an area prone to flooding.[1]

  • Earthquake damage: You can usually buy earthquake coverage as an add-on benefit to your mobile home insurance policy. If you live somewhere prone to earthquakes, this type of coverage can potentially save you a lot of money. Like flood insurance, earthquake coverage is usually excluded from conventional insurance policies due to the expensive damage earthquakes cause.

  • Damage from negligence or wear and tear: Mobile home insurance is designed to protect against accidental damage, so it excludes issues that relate to how someone maintains their mobile home. It won’t cover rust, mold, wet or dry rot, vermin, rodents, water damage from sewers, drain back-ups, or other damage that occurs from negligence, poor maintenance, or wear and tear.

  • Damage done while moving: Mobile home insurance policies don’t cover the home while it’s in transit. You’ll likely need a temporary policy or special endorsement for coverage during moves.

Read More: Flood Insurance (The Ultimate Guide for Homeowners)

Read More: Flood Insurance (The Ultimate Guide for Homeowners)

How much does mobile home insurance cost?

The cost of your mobile home insurance can range widely based on the insurer, your location, and more. In Louisiana, the average mobile home insurance premium is $2,181 per year, according to insurance company Kin. In Florida, it’s $1,912. The national annual average tends to range anywhere from $300 to $2,000, according to TGS Insurance.

Many other factors can influence how much you’ll spend on mobile home insurance, too, including:

  • The age of the mobile home

  • The home’s condition

  • Security and safety features of the home

  • The home’s value

  • Coverage limits

  • Claims history of both the policyholder and the property

  • Deductibles

  • The value of your personal property

  • Whether you own or rent the lot your mobile home is on

Discounts for mobile homeowners

Most insurance companies offer discounts that can help you reduce the cost of your coverage. They may offer these when you first take out the policy or at renewal.

Here’s a look at some discounts you might be able to get on your mobile home insurance policy:

  • New-home discount: Some insurers offer premium discounts for newly bought properties.

  • Tie-down/skirted discount: These discounts reduce your premium if you have your mobile home tied down and fully skirted.

  • Claim-free discount: If you made no insurance claims in the last policy period, you may be eligible for a discount at renewal.

  • Original owner discount: You may qualify for this discount if you’re the first and original owner of your property.

  • Multi-line discount: Insurers offer this discount to customers who have multiple policies with them. You can qualify by using the same insurance company for your mobile home insurance and car insurance, for example.

  • Retiree/senior discount: If you’re retired or age 55 or older, insurers may offer you a discount on your premium.

  • Security discount: Having protective devices like security systems or cameras in your home could qualify you for a discount, too.

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Where to buy mobile home insurance

Many different insurance companies offer mobile home insurance, including large companies like Allstate, GEICO, State Farm, and Progressive. Here are some of the best mobile home insurance companies to consider for your policy.

Allstate

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$134/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$192/mo

Allstate earned a J.D. Power customer satisfaction score of 809 out of 1,000 in J.D. Power’s 2023 U.S. Home Insurance Study, which indicates an overall good customer experience.[2] The company’s manufactured home insurance policy provides coverage for liability, injury claims made against you, and property damage.

On the downside, Allstate’s policy doesn’t cover any damage caused by continuous or repeated seepage or leakage of water or steam. Damage caused by underground water is also excluded.

Pros
  • Numerous discounts to help homeowners save

  • High customer satisfaction ratings

  • Doesn’t exclude certain dog breeds from coverage

Cons
  • No longer offering new home insurance policies in Florida

  • Not available in all ZIP codes

  • Doesn’t offer guaranteed or extended replacement cost coverage

American Family

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$113/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$156/mo

American Family received a score of 813 in J.D. Power’s 2023 U.S. Home Insurance Study, putting it just below average across all companies considered.[2]

In addition to standard mobile home insurance coverage, American Family also offers a variety of add-ons that make it possible to customize your coverage, like coverage for hidden water damage and trip collision coverage. Notably, this company also lowers your deductible each year you continue to stay enrolled.

But American Family’s mobile home insurance products are only available in 19 states, and you have to purchase additional coverage for other structures.

Pros
  • Fewer complaints than average on the NAIC National Complaint Index

  • Wide variety of coverage options

  • Generational discounts if parents have American Family coverage

Cons
  • Only available in 19 states

  • Android users experience app glitches

  • Restrictions on liability coverage for owners of certain dog breeds, like pit bulls, Dobermans, or Rottweilers

American Modern Insurance Group

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated

American Modern Insurance Group offers coverage for single-family, singlewide, doublewide, modular, rental, seasonal, and even vacant mobile homes. While the company isn’t rated by J.D. Power, its coverages are comprehensive, and you can add on extras like identity theft coverage, water backup coverage, and sump-pump overflow coverage. American Modern also offers six discounts that can save you money on your premium.

Pros
  • A+ (Superior) AM Best financial strength rating

  • Multiple add-on coverage options available

Cons
  • Not rated by J.D. Power

  • Fewer discounts than some competitors

Farmers

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$147/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$238/mo

Available in 43 states, Farmers also has a J.D. Power customer satisfaction rating of 800 out of 1,000.[2] But Farmers’ website isn’t easy to navigate, and it doesn’t provide many details on its mobile home insurance offerings.

Still, Farmers offers a wide variety of discounts for homeowner insurance policies, including mobile and manufactured insurance, such as a bundling discount and a non-smoking discount.

Pros
  • Offers extended and guaranteed replacement cost options

  • Notable number of home insurance discounts available

  • Large nationwide network of Farmers agents

Cons
  • Not all discounts available in every state

How to get cheaper mobile home insurance

Leveraging discounts is one way to reduce your mobile home insurance premiums, but you have other options, too. Here are some strategies that may help you secure a lower premium:

  • Compare several insurance companies. Once you know how much coverage you need, get quotes from multiple insurers and compare each company based on its rates and discounts. Using a reliable quote-comparison site can help streamline this process.

  • Choose a higher deductible. Deductibles and premiums move in opposite directions, so if you opt for a higher deductible, your premium will decline (and vice versa). Just make sure you have enough in savings to cover that deductible should you need to.

  • Make your home safer. Installing security devices or weather-resistant features can put your home at lower risk for theft and damage. This could also qualify you for lower premiums.

  • Boost your credit score. Many states allow insurers to consider your credit history when pricing their policies, and they reward people with better credit scores with lower premiums.

Good to Know

You can also work with an independent insurance agent or broker to find the perfect policy for you. They can help you compare companies and premiums and ensure you get the best deal and the right coverage.

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How to file a mobile home insurance claim

If your mobile home is damaged in a covered event, you‘ll want to file a claim as soon as possible. The faster you file, the quicker you’ll get the funds needed to repair your property.

To file a claim, you’ll need to:

  1. Call the police or fire department (if necessary). If someone vandalizes your home, it’s burglarized, or on fire, call the police and fire department. You’ll need to file an official report and submit this to your insurer.

  2. Take photos and videos of the damage. Your insurer will want documentation of any damage done to the property.

  3. Contact your insurance company. You’ll likely need to fill out a form to report the claim and give your insurer a detailed account of what happened. Be sure to have your policy number on hand when you make this call.

  4. Meet the adjuster. Your insurance company will send out an adjuster to assess the damage and determine how much your policy will cover.

Once that’s all done, your insurance company will process your claim and send you a check for the amount covered. You can then use the funds to repair any damage done to your property or belongings. How long this process takes depends on your insurer and where you’re located. In Texas, for example, insurance companies must accept or reject your claim within 15 business days. Once they’ve accepted it, they have five business days to pay out.[3]

Keep in mind that filing a claim against your home insurance policy may increase your premiums come renewal time, though it depends on the nature and extent of the claim. It may also mean forgoing any claim-free discounts your insurer offers.

Mobile home insurance FAQs

If you still have questions about securing the best mobile home insurance policy, the information below may help.

  • Is mobile home insurance required?

    Not legally. If you have a mortgage, your lender will likely require mobile home insurance. But federal and state laws don’t require it.

  • Can you get flood insurance on your manufactured or mobile home?

    Yes. You can get flood insurance on mobile and manufactured homes. In fact, your mortgage lender may require you to if you live in an area at high risk of flooding.

  • Can you get earthquake insurance on your manufactured or mobile home?

    Yes. You can get earthquake insurance on a mobile home and may want to if you’re in an area where earthquakes occur frequently. You can also consider an open-peril policy.

  • How much mobile home insurance coverage do you need?

    It depends. The amount of mobile home insurance you need varies on the value of your home and belongings, as well as your risk tolerance regarding paying out of pocket to replace belongings or repair your home if damage does occur.

  • Is it difficult to get manufactured home insurance?

    Securing manufactured home insurance is fairly simple. Many large insurance companies offer this form of insurance, like Allstate, American Family, Farmers, GEICO, and Progressive.

Sources

  1. Insurance Information Institute. "Mobile home insurance."
  2. J.D. Power. "Home Insurer Exodus from Several States Creates Challenges and Opportunities, J.D. Power Finds."
  3. Texas Department of Insurance. "How do I file a homeowners insurance claim?."
Aly J. Yale
Aly J. Yale

Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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