What's Covered
Covers the structure of your mobile or manufactured home against fire, wind, hail, and other covered perils. Coverage is tailored to manufactured homes, which have different construction than site-built homes.
Protects your furniture, appliances, electronics, clothing, and belongings inside the home. Your contents can easily exceed the value of the home itself.
Covers legal costs and damages if someone is injured on your property. Includes incidents that occur inside the home, in your yard, or involving your structures.
Pays for temporary housing and living expenses if your home becomes uninhabitable after a covered loss. Keeps you from being left without options after a disaster.
If you need to transport your manufactured home to a new location, trip coverage protects it during transit — an often-overlooked risk.
Covers porches, carports, storage sheds, and other structures on your lot that aren't part of the main home.
Why It Matters
Manufactured and mobile homes are built differently than site-constructed homes — and insurance carriers price and cover them differently. Wind and storm damage, in particular, is handled differently in manufactured home policies. We work with carriers like Foremost and others who specialize in this market to make sure your home is properly covered and not left with gaps.
FAQ
No. Mobile and manufactured homes are built to different construction standards than site-built homes, and standard HO-3 homeowners policies typically won't cover them. A manufactured home policy is specifically designed for the construction type, wind exposure, and coverage needs of mobile homes.
Mobile home insurance typically costs $700–$1,500 per year depending on the home's age, size, location, and coverage limits. Older homes and those in high-wind areas cost more. We shop multiple carriers that specialize in manufactured housing to find the best rate.
Yes, though wind coverage terms vary by carrier. Manufactured homes are more vulnerable to wind damage than site-built homes, so it's important to understand your policy's wind and hail deductible. Some carriers apply higher deductibles or exclusions for wind events.
Trip coverage protects your home during transport to a new location — a risk that doesn't exist with site-built homes. If you're planning to relocate your manufactured home, make sure your policy includes this coverage before the move begins.
You Might Also Need
Bundle manufactured home + auto to access multi-policy discounts across our carrier network.
Learn More →Add $1M+ of personal liability protection above your manufactured home policy for about $200/year.
Learn More →We also cover golf carts, ATVs, boats, and powersports vehicles — all with the same independent approach.
Learn More →We'll shop our carrier network to find the best mobile home policy for your specific situation — no guesswork, no gaps.
