Mobile Home Insurance Explained

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3 min read
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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 are typically built on a metal frame, are delivered in one piece and always have a HUD label. Mobile home insurance is considered the equivalent of homeowner’s insurance for owners of manufactured homes.

While these homes are cheaper to buy, it’s still a good idea to have a mobile home insurance policy in place.

What does mobile home insurance cover?

Mobile home insurance policies typically include two types of coverage:

  • Physical damage coverage protects your mobile home from damage or loss caused by weather, theft, vandalism and other accidents.
  • Personal liability coverage protects you from liability if you cause injury or damage to another party’s property.

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

What does a mobile home insurance policy not cover?

Most mobile home insurance policies do not cover flood damage, which must be obtained separately. FEMA’s National Flood Insurance Program provides flood insurance options for those who live in high risk zones.

Mobile home insurance policies also don’t provide coverage while the home is in transit, although your insurance provider may offer a temporary policy for moves. This short-term policy extension will cost extra, and the amount you pay will depend on the distance of the move and time required, among other factors.

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

Mobile home insurance is different from standard homeowners insurance policies 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 risk. 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 brick and mortar home. Since they carry such distinct risks, insurers prefer to group mobile homes into their own type of policy.

Mobile home insurance providers

Although homeowners insurance and mobile home insurance share some similarities, not all homeowners insurance providers offer mobile home insurance in all states. Still, if you currently have homeowners insurance, the best place to start is by contacting your provider to see if you can bundle policies and get a discount on your mobile home insurance. Some insurance providers, such as USAA and Geico, work with third party mobile home insurance providers 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 popular mobile home insurance providers:

As with home and auto insurance, you’ll get the best coverage by asking for quotes from multiple providers and comparing prices.

Mobile home insurance cost

Mobile home insurance policies often cost more than standard homeowners insurance policies due to the higher risk associated with mobile home ownership. The premium on an average policy could cost anywhere from $300 to $1,000 annually, depending on a number of factors and circumstances.

Many factors go into determining the cost of mobile home insurance. They include:

  • The state you live in.
  • Weather conditions and risks in your geographic area, including hurricanes, tornadoes and floods
  • Frequency of wildfires in your geographic area
  • The crime rate in your neighborhood
  • Quality of your local emergency response departments, such as police and fire departments
  • The value, age and condition of your mobile or manufactured home

There are also a few ways to discounts on your mobile home insurance. Types of discounts typically available include:

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

Frequently asked questions

Why is mobile home insurance more expensive?

Mobile home insurance is more expensive because of the reduced ability of mobile and manufactured homes to withstand incidents such as floods and fires. Mobile homes are also at a higher risk for theft and vandalism.

Will my homeowners insurance policy cover my mobile home?

Homeowners insurance policies do not cover mobile homes. If you have an existing home insurance policy and need to insure a mobile home, contact your current provider to ask about bundle deals and discounts.

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

No. Mobile homes and modular homes are similar in that they’re both produced in a factory, but in most cases you’ll need a regular homeowner’s insurance policy for your modular home.

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

Some mobile home owners 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 provider, or by installing home security cameras and an alarm system. Contact your provider to ask about their mobile home insurance discounts.