Mobile Home Insurance

Affordable coverage starts here.

Mobile Homes

Mobile and Manufactured Home Insurance

If you have a mobile or manufactured home, you know protecting it is essential. Whether your mobile home is on private property, in a mobile home park, or in a subdivision, we can help you get the appropriate coverage at an affordable price.

Yes, that includes you, Floridians.

Let’s take a look at what mobile home insurance covers, insurance requirements for mobile homes, and available premium discounts.

What Mobile Home Insurance Covers

Our mobile home coverage includes all the essential coverage for:

  • Your dwelling
  • Your belongings
  • Other structures (think: fences, garages, etc.)
  • Additional living expenses
  • Personal liability
  • Medical payments

Our policies cover damage or loss caused by common events, including:

  • Fire and lightning
  • Theft and vandalism
  • Wind and hail
  • And more

Though our mobile home insurance offers hurricane coverage for high winds, it doesn’t offer flood coverage. For the storm surges that accompany hurricanes, you’ll need flood insurance.

Only flood insurance can pay for mobile home damage caused by storm surges.
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Common Mobile or Manufactured Home Insurance Requirements

Typically, to qualify for the best rates, insurance providers require mobile homes to:

  • Have anchored tie-downs in accordance with state, city, and county regulations
  • Be skirted or have a fully enclosed foundation
  • Have handrails anywhere with three or more steps
  • Be owner occupied
  • Be well maintained

Average Cost of Mobile Home Insurance

Where you live greatly impacts your mobile home insurance premium. As you might guess, mobile homeowners near the coast may pay more for their coverage than those located in an area less prone to hurricane risk.

Your dwelling coverage limits also have a significant impact on the cost of your policy.

So, for example, a mobile home in Jackson, Florida, with $75,000 in dwelling coverage may cost $1,621 / year, depending on its other characteristics.

The best way to find out how much you’ll pay for your mobile home insurance is to get a quote from Kin.

The easiest way to see how much your mobile home insurance will be? Get a quote.

Mobile Home Insurance Discounts

Your home may be eligible for discounts if it has:

  • Fire sprinklers
  • Fire extinguisher and smoke alarms
  • A water leak detection device

You may qualify for additional discounts if:

  • You have an AARP, AAA, or FMHO membership
  • Your home is located in a security gated community
  • You purchase flood protection through us

To learn more about what discounts you qualify for, apply for a quote today.

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