Mobile home insurance

Affordable coverage starts here.

Mobile and manufactured home insurance

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

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

A mobile home policy provides coverage for:

Your dwelling.
Your belongings.
Other structures on your property.
Additional living expenses.
Personal liability.
Medical payments.

Policies cover damage or financial loss caused by common events, including:

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

Please note: While mobile home insurance covers damage caused by winds, it doesn’t include flood coverage. You’ll need flood insurance for the storm surges that accompany hurricanes.

Common mobile or manufactured home insurance requirements

To qualify for the best rates, insurance providers may 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.

How much does mobile home insurance cost?

Mobile home insurance costs can vary greatly. One major factor on your insurance premium is your location. As you might guess, mobile homeowners near the coast 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, as does the size and condition of your home.

The best way to find out how much you’ll pay is to get a mobile home insurance quote. Our representatives are ready to help you customize your policy.