Will my homeowners insurance policy cover my mobile home?

Standard homeowners insurance policies do not cover manufactured homes, and the cost of a homeowners insurance policy is also different. However, you may be able to add mobile home insurance to your homeowners insurance policy if you own both dwelling types, depending on your insurance provider. Mobile home insurance is considered a specialty insurance product. If you have an existing standard home insurance policy or auto insurance policy and need to insure a mobile home, contact your agent or insurer to ask about bundling discounts.

Do I need a mobile home insurance policy for my modular home?

Mobile homes and modular homes are similar in that they are both produced in a factory. Whereas mobile homes have the ability to move, modular homes are usually built off-site but are ultimately fixed in place. Therefore a modular home is held to the same local and state building codes as on-site traditional homes. Mobile home insurance can cover both types of homes, and you’ll typically be able to adjust the coverage and limits to what suits your needs.

How much insurance coverage do I need for a mobile home?

To determine how much insurance coverage you need for your mobile home, look at the costs involved in replacing your home if it were destroyed or seriously damaged. It may be worth doing some research so you have some understanding of what comparable new mobile homes are selling for in your region. Consider, too, how much of the replacement costs you could pay out of pocket. If you can put $1,000 into replacement costs, for example, it's a good idea to assign that amount as your deductible. Experts recommend speaking with a licensed insurance agent for help determining your insurance needs.

How do you get insurance for a mobile home?

Many national insurance providers offer mobile home insurance, and you may find regional insurance providers that specialize in insurance for manufactured homes in regions where they are more common. Some insurers also partner with third-party companies to offer insurance coverage on mobile homes, so you may be able to bundle insurance plans through your existing insurance provider.

What is the difference between mobile home insurance and standard home insurance?

Mobile home insurance is different from standard homeowners insurance coverage because of the major structural differences between the dwelling types being covered and the different risks involved. Fires, wind and broken pipes pose a bigger threat to a mobile or manufactured home than to a traditional home. Mobile homes are also more likely to be targets for theft. On the other hand, the total value of a mobile home is usually lower than a traditional home.

Best Mobile Home Insurance Companies

Best mobile home insurance companies

You might think shopping for mobile home insurance is just like choosing a standard homeowners insurance or renters insurance policy, but there are some differences to consider. First off, realize that not all insurance companies offer mobile home insurance. Before you start your insurance search, it helps to narrow down the companies currently writing mobile home insurance policies.

As you consider providers, find out if they’re writing policies in your state. Because of mounting insurance costs, some providers have pulled out of high-risk regions. On the other hand, some providers specialize in mobile coverage in a specific area. For instance, you might find local options if you’re shopping for mobile home insurance in Florida.

These are a few of the most popular mobile home insurers in the U.S.:

Allstate: Allstate is a national carrier that offers standard mobile home coverage options such as dwelling coverage, personal property protection and other structures coverage. It also offers optional added coverage like water backup and identity theft restoration.
American Modern: American Modern offers mobile home insurance for different use types (e.g., rental, vacant and seasonal homes) and basic coverage for mobile homeowners. Coverage highlights include comprehensive protection, stated value loss settlement, liability and personal property. American Modern offers multiple options for potential policyholders to adjust their policies based on their needs.
Assurant: Assurant provides manufactured home coverage with a variety of options. Its policies can cover both new and used manufactured homes. The company also offers options for transportation coverage and a number of liabilities. Using Assurant's online quoting tools, you can quickly get a quote for mobile home insurance.
Farmers: Farmers is a national property insurer that provides mobile home insurance coverage. Though you cannot get a quote online, which may be an inconvenience, Farmers has a wide variety of additional coverage options that many insurers do not offer.
Foremost: A super-regional subsidiary of Farmers, Foremost is known for exceptional customer service and minimal customer complaints. You can request a quote over the phone or on the company website, but note that quotes are not instant. Among Foremost’s options is extended replacement cost coverage.
HomeFirst: With over 20 years of experience insuring manufactured homes, HomeFirst might be a great choice when it comes to the specialized insurance needs of owners of prefabricated homes. Its policies include flood coverage, which is rare. You can request a quote via the company website, and an agent will follow up with you. Like Assurant, HomeFirst does not underwrite its own policies, but partners with several other banking and insurance companies for policy underwriting.
State Farm: State Farm is another national carrier with over 19,000 agents, so you can get in-person assistance with your mobile home policy. State Farm offers dwelling, personal property and loss of use coverage along with liability. Plus, the company offers model year discounts, home alert discounts and tenure discounts if you’ve been a loyal State Farm customer.

Just as you would when shopping for auto insurance, the best way to find the most affordable mobile home insurance with the best coverage is by shopping around and obtaining quotes from insurers that specialize in writing mobile home policies. Most insurance professionals recommend gathering a minimum of three quotes to compare coverage options and costs.

What does mobile home insurance cover?

Mobile home insurance is home insurance for owners of manufactured homes and provides coverage for the following essentials:

Dwelling coverage: This coverage is for the dwelling and other permanent structures on the property. In other words, any damage done to your home or other structures on the property (like a deck, garage or shed) that are listed in your policy is covered under your dwelling coverage.
Personal property coverage: Covers the personal items you own if they are damaged or stolen.
Liability coverage: This coverage protects you in the event someone is injured on your property and you are held liable. Liability protection may cover legal fees and medical costs up to your coverage limit.
Loss of use/additional living expenses (ALE): You may need to live somewhere else temporarily while your mobile home is repaired, and this coverage can help cover your temporary relocation costs. ALE may cover hotel costs, rental of a temporary home and meals after damage from a covered peril.

Some manufactured homeowners opt to purchase peril policies, a type of mobile home insurance with low premiums but high risk. Peril policies cover very limited causes of damage, meaning you will be responsible for any costs not resulting from one of the listed perils. If you’re looking into a peril policy, it is best to understand the full scope of what is and isn’t covered, and ensure you can afford the full cost of repairs that are not covered.

The average price of a new manufactured home in 2025 is $86,900 while the average sale price of a new house is $503,800. Although manufactured homes are typically much cheaper to buy, it’s still important to have mobile home insurance coverage to protect your investment and family’s finances. After all, many people don’t have hundreds of thousands of dollars to replace their home and property in the event it’s all destroyed.

What does mobile home insurance not cover?

Standard mobile home insurance policies have several exclusions. Some of these require add-ons or separate policies for coverage and may or may not be needed depending on your geographic location:

Tips for finding the best mobile home insurance

Looking for mobile home insurance can feel overwhelming. Here are some tips for shopping around:

Know your trailer type: There are different classifications of mobile homes. They can have wheels or no wheels, be double-wide or single-wide, or fit different Housing and Urban Development (HUD) qualifications based on when it was built. Insurance companies will want to know these details and the costs may differ depending on your trailer type.
Understand local regulations: Local and state regulations for mobile home insurance may differ. You may be required to hold different coverage types depending on where you live, and there may be other requirements, such as moving your trailer a certain number of times per year.
Compare several options: When shopping for any kind of insurance, it’s a good idea to get quotes from several insurance companies. You may be able to get the same or similar coverage for less between two companies.
Bundle policies: If you already have auto insurance or another type of insurance, talk to your current insurance carrier about bundling options. You may be able to save on multiple insurance policies if you bundle them together.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cost of mobile home insurance

The exact price you pay for mobile home insurance is determined by a number of factors. For example, insurers look at the mobile home’s age and location when setting rates. Areas with higher claim rates may cost you more and newer mobile homes may be worth more, so the policy costs more. The type of policy you pick and the deductible you select also impact how much you pay with lower deductibles costing you more in monthly premiums.

It’s possible for mobile home insurance to be more expensive than a standard home insurance policy. This is because mobile homes are riskier to insure. They’re less likely to withstand natural disasters like tornadoes, hurricanes, tropical storms and floods. Plus, there is a higher risk of theft and vandalism associated with mobile homes, which can result in more claims. Insurers pass this increased risk onto policyholders in the form of higher monthly premiums.

How to save money on a mobile home insurance policy

Regardless of your mobile home insurance rates, there are several ways to potentially earn discounts on your mobile home insurance. Some of these discounts are straightforward and can be applied to lower your annual premium. Common discounts include:

Being the original titleholder of the mobile home
Bundling your mobile home insurance with other policies, such as auto insurance, through the same insurer
Installing a home security system
Retirement and/or senior discounts

Frequently asked questions

Standard homeowners insurance policies do not cover manufactured homes, and the cost of a homeowners insurance policy is also different. However, you may be able to add mobile home insurance to your homeowners insurance policy if you own both dwelling types, depending on your insurance provider. Mobile home insurance is considered a specialty insurance product. If you have an existing standard home insurance policy or auto insurance policy and need to insure a mobile home, contact your agent or insurer to ask about bundling discounts.
Mobile homes and modular homes are similar in that they are both produced in a factory. Whereas mobile homes have the ability to move, modular homes are usually built off-site but are ultimately fixed in place. Therefore a modular home is held to the same local and state building codes as on-site traditional homes. Mobile home insurance can cover both types of homes, and you’ll typically be able to adjust the coverage and limits to what suits your needs.
To determine how much insurance coverage you need for your mobile home, look at the costs involved in replacing your home if it were destroyed or seriously damaged. It may be worth doing some research so you have some understanding of what comparable new mobile homes are selling for in your region. Consider, too, how much of the replacement costs you could pay out of pocket. If you can put $1,000 into replacement costs, for example, it's a good idea to assign that amount as your deductible. Experts recommend speaking with a licensed insurance agent for help determining your insurance needs.
Many national insurance providers offer mobile home insurance, and you may find regional insurance providers that specialize in insurance for manufactured homes in regions where they are more common. Some insurers also partner with third-party companies to offer insurance coverage on mobile homes, so you may be able to bundle insurance plans through your existing insurance provider.
Mobile home insurance is different from standard homeowners insurance coverage because of the major structural differences between the dwelling types being covered and the different risks involved. Fires, wind and broken pipes pose a bigger threat to a mobile or manufactured home than to a traditional home. Mobile homes are also more likely to be targets for theft. On the other hand, the total value of a mobile home is usually lower than a traditional home.

Mobile home insurance: companies, costs and other considerations