How much does mobile home insurance cost?

Cost figures are averages compiled from public industry reporting and our own quoting data. They are for general guidance only — your actual premium depends on your home, location, coverage selections, and carrier underwriting.

The national average for owner-occupied mobile home insurance is roughly $700 per year, with most policies falling between $300 and $1,500. Coastal and tornado-prone states run much higher; inland and northern states run lower.

What drives your premium

• Location — wind, hail, wildfire, and crime are the biggest single factor.
• Age of the home — pre-1976 (mobile) is harder and more expensive than post-1976 (manufactured).
• Construction — single-wide vs double/triple, roof type, roof age.
• Tie-downs & skirting — discounts in wind states; sometimes required.
• Dwelling limit — replacement cost vs actual cash value.
• Deductible — separate wind/hail deductibles common on the coast.
• Claims history — clean = lower; multiple claims = surcharge or non-renewal.
• Credit-based insurance score in most states.

Average annual premium by state