Mobile home insurance
Free quotes for manufactured and mobile homes — single-wide, double-wide, triple-wide, on owned land or in a park.
What mobile home insurance covers
- Dwelling — the home itself, against fire, wind, hail, theft, vandalism, and most other named perils.
- Other structures — sheds, carports, detached garages on the lot.
- Personal property — furniture, electronics, clothing, appliances.
- Personal liability — if someone is injured on your property or you damage another’s.
- Loss of use — hotel and meal costs if a covered loss makes the home unlivable.
- Trip / transit (optional) — coverage while the home is being moved.
What it usually doesn’t cover
- Flood — buy NFIP or a private flood policy separately.
- Earthquake — separate endorsement or standalone policy.
- Wear, tear, and gradual damage.
- Roof damage on roofs past their useful life — some carriers ACV-only after 15–20 years.
What drives your price
Age of the home, location (wind/hail/wildfire zones), construction (single vs double wide), roof age and material, tie-downs and skirting, claims history, deductible, and dwelling limit.
Frequently asked questions
What does mobile home insurance cover?
Standard mobile home policies cover the dwelling, attached structures, personal property, personal liability, and additional living expenses if the home becomes uninhabitable. Flood and earthquake are separate.
How much does mobile home insurance cost?
Most owner-occupied mobile home policies run $300–$1,200 per year depending on state, age, value, wind exposure, and claims history. See our cost guide for details.
Will a standard homeowners carrier write my mobile home?
Usually no. Most HO-3 carriers exclude manufactured homes. You need a specialty market like Foremost, Assurant, Kin, or American Modern.
What’s the difference between mobile, manufactured, and modular?
Mobile = built before June 15, 1976. Manufactured = built after, to the HUD code. Modular = built in sections at a factory but conforms to local building code like a site-built home. They’re all insured differently.