Mobile home insurance

Mobile home insurance—also known as manufactured home insurance—typically covers damage to your home’s structure, attached structures (like decks or sheds), personal belongings, personal liability, and additional living expenses if your home becomes uninhabitable. It usually does not include floods, earthquakes, or in-transit damage without separate endorsements.

What’s Covered By Mobile Home Insurance

A mobile home insurance policy generally includes:

• Dwelling/Structure Coverage
  Pays to repair or replace your mobile home and attached structures (e.g., deck, awning) due to perils like fire, theft, vandalism, wind, or accidental water damage.

• Other Structures Coverage
  Covers detached structures on your property, such as sheds or fences.

• Personal Property Coverage
  Replaces belongings like clothing and electronics. Optional riders can expand coverage for high-value items.

• Liability Coverage
  Protects you in case someone is injured on your property or if you’re responsible for damage to others.

• Additional Living Expenses (Loss of Use)
  Covers costs for temporary housing and living expenses if your home becomes uninhabitable due to a covered claim.

What Is Typically Not Covered

Standard mobile home insurance policies often exclude:

• Flood and earthquake damage—you’ll need separate policies for those risks.

• Wear and tear, maintenance issues, or gradual deterioration.

• Damage while the home is being moved, unless you’ve added transit coverage.

• Pest infestations or mold from poor upkeep.

Key Points

• Coverage mirrors standard homeowners insurance but is tailored for mobile homes.

• Common inclusions: dwelling, personal property, liability, and temporary housing.

• Major exclusions: floods, earthquakes, transit damage, and upkeep-related issues.

• Optional add-ons can fill gaps—like replacement-cost protection or flood/earthquake endorsement.

Frequently Asked Questions (FAQ)

1. Is mobile home insurance required?
Not by law, but lenders and mobile park communities often require it as a condition of ownership or residency.

2. What does it cost?
Annual premiums typically range between $700 and $1,500, depending on location, home value, and coverage options.

3. What is “named-peril” versus “comprehensive” coverage?
Named-peril covers only listed risks; comprehensive covers all perils except those specifically excluded.

4. Can I get replacement-cost coverage?
Yes, but it usually increases your premium. It helps avoid depreciation when reimbursing claims.

Final Thoughts

Mobile home insurance provides comprehensive protection similar to homeowner policies, but tailored to the vulnerabilities of factory-built homes. Knowing what’s covered—and what isn’t—lets you choose smart coverage and avoid unexpected expenses.

At THAgency, we compare nearly 100 carriers to ensure you get the best coverage tailored to your mobile home. With over 30 years of experience, we help you protect your home with confidence.

Start now and see your options instantly. Get your personalized quote today—it’s fast, secure, and tailored to you.