Mobile home insurance coverage guide
This guide describes how mobile home insurance policies typically work. Policy terms, exclusions, and endorsements vary by carrier and state — always read your policy and ask your agent.
The six main coverages
Coverage A — Dwelling. Your home itself, attached structures, and built-in fixtures. Choose a limit that reflects current replacement cost, not what you paid.
Coverage B — Other structures. Sheds, detached garages, fences, decks. Usually 10% of Coverage A.
Coverage C — Personal property. Your belongings. Replacement Cost vs Actual Cash Value matters here.
Coverage D — Loss of use. Hotel, meals, and extra living costs while your home is being repaired.
Coverage E — Personal liability. If you injure someone or damage their property. $100K is minimum; $300K or $500K is smart.
Coverage F — Medical payments to others. Small no-fault medical for guests injured on your property.
Wind, hail, and named-storm
In Gulf and Atlantic states, expect a separate named-storm or hurricane deductible (often 1–5% of dwelling limit, not a flat dollar amount). In the Midwest, you may see a separate wind/hail deductible. Read the declarations page carefully.
What’s usually excluded
- Flood — buy NFIP or private flood separately.
- Earthquake — endorsement or standalone policy.
- Wear and tear, settling, pest damage.
- Mold above a small sub-limit.
- Some carriers exclude theft when the home is vacant beyond X days.
Worth-it endorsements
- Replacement cost on contents — pays today’s price, not depreciated.
- Trip / transit coverage — if you ever need to move the home.
- Identity theft.
- Scheduled personal property — for jewelry, firearms, electronics over the sub-limit.
- Service line coverage — water, sewer, electrical lines underground.