Mobile home insurance

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Mobile home insurance is very similar to standard homeowners insurance. If your manufactured home gets damaged, this insurance coverage offers you protection against financial hardship that may come with having to pay for the repairs or rebuild out of your own pocket.

Much like standard homeowners insurance, there are different types and levels of insurance for mobile homes.

What is mobile home insurance?

Mobile home insurance, or manufactured home insurance, is insurance that covers any dwelling that falls under the manufactured home definition. These homes always have a HUD label and are typically built on a metal frame and delivered as a completed structure.

Mobile home insurance is considered the equivalent of homeowner’s insurance for owners of manufactured homes. In 2020, the median price of a manufactured home was $86,133 compared to $329,000 for an average single family home, according to the Insurance Information Institute (Triple-I). While manufactured homes are typically much cheaper to buy, it’s still important to have mobile home insurance coverage to protect your investment and family’s finances. After all, many people don’t have $86,000 of disposable income to replace their home in the event it is destroyed.

What does mobile home insurance cover?

Mobile home insurance provides coverage for the following essentials:

  • Dwelling coverage: This coverage is for the dwelling and other permanent structures on the property. In other words, any damage done to your home or other structures on the property (like a deck, garage or shed) that is listed in your policy is covered under your dwelling coverage.
  • Personal property coverage: This coverage is for your personal belongings. If the items you own are damaged or stolen, your policy covers you.
  • Liability coverage: This coverage is to protect you in the event someone is injured on your property and you are held liable. Liability protection may cover legal fees and medical costs up to your coverage limit.
  • Loss of Use/Additional Living Expenses (ALE): This coverage applies when there is damage covered by your dwelling coverage that requires you to live somewhere else temporarily. ALE may cover hotel costs, rent of a temporary home and restaurant meals.

Some manufactured homeowners opt to purchase peril policies, a type of mobile home insurance with low premiums but high risk. Peril policies cover very limited causes of damage, meaning you will be on the hook for any costs not resulting from one of the listed perils. Understand the full scope of what is and isn’t covered before purchasing one of these policies, and ensure you can afford the full cost of repairs not covered.

What does a mobile home insurance policy not cover?

Standard mobile home insurance policies have several exclusions. Some of these require add-ons or additional policies for coverage and may or may not be needed depending on your geographic location:

Mobile home insurance companies

Although homeowners insurance and mobile home insurance share some similarities, not all property insurers offer mobile home insurance in all states. Still, if you have a standard homeowners insurance policy or auto coverage, the best place to start is by contacting your insurer or agent to see if you can bundle policies and get a discount on your mobile home insurance. Some national insurers, such as USAA and Geico, partner with third-party mobile home insurers to offer more specific coverage.

The best mobile home insurance provider for you will depend on your geographic area and the type of coverage you need. These are a few of the most popular mobile home insurers in the U.S.:

  • Allstate: Allstate is a national carrier that offers some unique optional coverage features like hail coverage and mine subsidence coverage.
  • American Modern: American Modern is a financially strong super-regional carrier. Its policies are a bit more restrictive than some others, as dwelling coverage is only covered up to actual cash value as opposed to replacement cost value. However, this insurer may be a good option for someone seeking specialty coverage that they cannot find elsewhere.
  • Assurant: Assurant is a partner of Geico, Liberty Mutual and Progressive and writes mobile home insurance coverage. Their user-friendly quoting tools are available online. Assurant uniquely covers flood damage as part of their standard mobile home policy.
  • Farmers: Farmers is a national property insurer that provides mobile home insurance coverage. Though you cannot get a quote online, which may be an inconvenience, Farmers has a wide variety of additional coverage options many insurers do not offer.
  • Foremost: A super-regional subsidiary of Farmers, Foremost is known for exceptional customer services and minimal customer complaints. Quotes requests can be made over the phone or on their website but are not instant. Among Foremost’s options is extended replacement cost coverage.
  • HomeFirst: With over 20 years of experience insuring manufactured homes, HomeFirst is a great choice when it comes to the specialized insurance needs of prefabricated homeowners. The policies include flood coverage, which is often not standard. You can request a quote via its website and an agent will follow up with you.

Similar to how you would shop for home and auto insurance, you will get the best coverage by obtaining quotes from insurers who specialize in writing mobile homes. The Triple-I recommends you obtain a minimum of three quotes to compare coverages and costs.

How much does mobile home insurance cost?

Because it’s not as common as standard homeowners insurance, many people aren’t sure exactly how much is mobile home insurance for the average policy.

Mobile home insurance policies often cost more than the cost of standard homeowners insurance policies due to the higher risks associated with manufactured homes. The average cost of mobile home insurance could cost anywhere from $300 to $2,000 annually, depending on a number of factors and circumstances.

Many factors determine the cost of mobile home insurance. They include:

  • The area you live in
  • Weather risks, including hurricanes, tornadoes and flood
  • Wildfire risks
  • The crime rate in your neighborhood
  • Proximity of first responders, such as police and fire departments
  • Value, age and condition of your mobile or manufactured home
  • Policy limits for basic coverages: dwelling, liability and contents
  • Additional coverages such as flood, earthquake and windstorm
  • Deductible levels

There are also a few ways to earn discounts on your mobile home insurance premium. Common discounts include:

  • Being the original titleholder of the mobile home
  • Bundling your mobile home insurance with other policies through the same insurer, such as your auto coverage
  • Installing a home security system
  • Retirement and/or senior discounts

What is the difference between mobile home insurance and standard home insurance?

As similar as they are, mobile home insurance is different from standard homeowners insurance coverage because of the major structural differences between the dwellings being covered.

Since mobile homes are not attached to a foundation, they have a few more inherent risks. Fires, wind and broken pipes all pose a bigger threat to a mobile or manufactured home, and mobile homes are more likely to be targeted for theft. On the other hand, the total value of a mobile home is usually lower than a stick-built home. Since they carry such distinct risks, insurers prefer to group mobile homes into their own type of policy.

Frequently asked questions

Why is mobile home insurance more expensive?

Mobile home insurance is more expensive because of their higher risk to withstand hazards, such as hurricanes, tornadoes, floods and fires. Mobile homes are also at a higher risk for theft and vandalism.

Will my homeowners insurance policy cover my mobile home?

Standard homeowners insurance policies do not cover manufactured homes. Mobile home insurance is considered a specialty insurance product. If you have an existing standard home insurance policy or auto insurance policy and need to insure a mobile home, contact your agent or insurer to ask about bundling discounts.

Do I need a mobile home insurance policy for my modular home?

Mobile homes and modular homes are similar in that they are both produced in a factory, but in most cases, you will need a standard homeowners insurance policy to cover your modular home.

How can I save money on my mobile home insurance policy?

Some mobile homeowners choose to buy a cheaper peril policy in lieu of a more comprehensive mobile home insurance policy. Just keep in mind that the lower premiums come with a higher risk if any damage occurs due to an event not covered under the peril policy.

You may also be able to get discounts by bundling policies through the same insurer, or by installing home security cameras and an alarm system connected to local law enforcement. Contact your agent or insurer to ask about what mobile home insurance discounts are available.

Another way to decrease your premium cost is to increase your deductible. The higher the deductible, the lower the premium. However, make sure that if you choose a higher deductible, you are financially prepared to spend that amount out of pocket in the event you must file a claim.

Written by
Lena Borrelli
Insurance Contributor
Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley.
Edited by
Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute