June 10, 2026
Older Mobile Home (Pre-1976) Insurance: Who Still Writes It
Informational only — not insurance, legal, or financial advice. Coverage, pricing, and carrier availability vary by state and individual circumstances. Always confirm details with a licensed agent. See our full disclaimer.
If your home was built before June 15, 1976, it’s a true “mobile home” — pre-HUD-code. Most carriers won’t touch it. A handful will.
Carriers known to write pre-1976
- Foremost — the largest writer; will quote many pre-1976 homes if updated.
- American Modern — niche market specialist.
- Standard Casualty — Texas and surrounding states.
- Lyndon Southern — selected southern states.
- Various surplus-lines markets when standard markets decline.
What they’ll ask
Year and date of major system updates (roof, electrical, plumbing, HVAC), tie-down status, skirting, distance to fire protection, recent inspection reports, photos. The more system updates you can document, the better the rate.