Personal Insurance
Mobile Home Insurance
Protection for manufactured and mobile homes against weather, disasters, theft, and liability.
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Mobile Home Insurance Coverage
Mobile home insurance protects your physical property from damage, protects your personal belongings, and provides a policy that's unique for your needs. Coverage includes weather damage, theft, accidental damage, fire damage, personal property damage, and select water damage types.
We connect you with A+-rated carriers offering multiple coverage tiers to balance protection with affordability.
Coverage Components
Dwelling Coverage
Covers the structure of your mobile or manufactured home against fire, wind, hail, and other covered perils.
Personal Property
Protects your belongings inside the home including furniture, appliances, and personal items.
Liability Coverage
Covers legal expenses and damages if someone is injured on your property.
Additional Structures
Covers other structures on your property like decks, porches, carports, and storage sheds.
Additional Coverage Options
What's NOT Covered
- •Flood damage (must be added separately)
- •Homes while in transit or being moved
- •Earthquake damage (requires separate coverage)
- •Normal wear and tear
- •Pest or vermin damage
Important: Homes in Transit
A mobile home policy doesn't cover your home while it's being transported. If you're planning to move your manufactured home, you'll need separate trip transit coverage.
Manufactured vs. Modular Homes
Manufactured & Mobile Homes
Mobile homes and manufactured homes are the same thing and both fall under a mobile home insurance policy. These are built entirely in a factory and transported to the site.
Modular Homes
Modular homes are typically built on-site and are often covered under a standard homeowners policy, not a mobile home policy. Ask your agent which policy type is right for your home.
Coverage Options
Mobile home insurance policies typically come in three tiers to balance affordability with coverage breadth:
Good
Basic coverage for essential perils at the most affordable rate.
Better
Expanded coverage including more perils and higher limits.
Best
Comprehensive coverage with the broadest protection available.
Water Damage vs. Flood
It's important to understand the distinction: regular water damage from broken windows, leaking pipes, or appliance malfunctions is covered under your mobile home policy. However, flooding from external sources (rising water, storm surge) is NOT covered and requires separate flood insurance.
If you live in a flood-prone area, contact us about adding flood coverage to ensure complete protection for your manufactured home.
Get Mobile Home Quote
Fill out this form for a free mobile home insurance quote.
Protect Your Mobile Home
Get specialized coverage for your manufactured or mobile home at competitive rates.