June 12, 2026
Mobile Home in a Park vs On Owned Land: Coverage Differences
Same exact home, two very different policies depending on whether you own the land.
You own the land
Standard manufactured-home homeowners (often called MH-3 or MHO-3). Covers the dwelling, other structures on the lot (shed, carport), personal property, liability, loss of use. The lot itself isn’t typically insured but isn’t at risk of physical loss the way a building is.
You lease a lot in a park
You still need a home policy on the dwelling — the park owner’s policy does not cover your home. But you don’t need “other structures” coverage for park common areas. Liability remains essential (you’re responsible for accidents inside your home and on your leased pad).
You’re renting the mobile home itself
You need renters insurance ($10–$25/month) for your stuff and liability. The landlord’s policy covers their property, not yours.
Tell us which situation you’re in on the quote form and we’ll route to the right policy form.