Due to their unique construction and vulnerability to certain weather, such as windstorms, manufactured and mobile homes typically don’t qualify for traditional homeowners insurance. Instead, you need to look into mobile home insurance.
Mobile, manufactured and modular homes: What's the difference?
Mobile, manufactured and modular homes are all built in factories rather than on construction sites. Mobile and manufactured homes rest on a movable chassis and never include more than a single level. Modular homes can have multiple stories and sit on a foundation similar to traditional houses.
Though the terms are often used interchangeably, "mobile" and "manufactured" homes have specific meanings according to the U.S. Department of Housing and Urban Development. Mobile homes were built prior to 1976, when a new federal law mandated stricter safety standards for buildings that would be called manufactured homes going forward.
The distinction between home types can affect your insurance choices. Some companies may have you insure a modular home with a traditional homeowners policy rather than mobile home insurance.
What mobile home insurance covers
A standard mobile home insurance policy generally features the following coverage.
Pays to repair or replace the structure of your mobile home if it’s damaged by events your policy covers, up to a limit you choose. This typically includes:
Fire and lightning.
Wind and hail.
Weight of ice and snow.
Damage from wild or stray animals.
When selecting a limit for this part of your policy, you want an amount high enough to replace your mobile home if it’s destroyed. You may be able to buy extended replacement coverage in case rebuilding costs more than you expect.
Other structures coverage
This pays to repair a fence, shed or other structure that isn’t attached to your home if it’s damaged by an event your policy covers.
Personal property coverage
This part of your policy covers the cost to repair or replace your belongings, such as furniture and electronics, if they’re damaged or stolen.
A standard mobile home policy will typically cover your items on an “actual cash value” basis, meaning it’ll pay the estimated amount your belongings were worth at the time of the claim, minus your deductible. To receive enough to buy brand-new items, you may want to upgrade to replacement cost coverage.
Taking a home inventory is the best way to figure out what your stuff is worth and how much personal property coverage you need. You can get a quick estimate using the calculator below.
This pays out if a visitor is hurt and sues you, or you accidentally cause property damage or injuries to others on your own property or otherwise. It may also cover related legal expenses.
Not sure how much liability insurance you need? Consider purchasing at least enough to cover your net worth.
Depending on your insurance company, your policy may include other standard coverage, such as additional living expenses to reimburse the cost of a hotel in case a fire or storm makes your home temporarily unlivable.
You may also find optional coverage you won’t see in a homeowners insurance policy, like trip collision coverage to repair your mobile home if it’s damaged while moving between locations.
What’s not covered
Most manufactured home insurance doesn't pay for flood damage. If you live in an at-risk area, buying separate flood insurance is a good idea.
Similarly, if your home is in a seismically active region, you’ll likely need separate earthquake coverage, as “earth movement” is another disaster that most home insurance policies don’t cover.
Other problems that your mobile home policy generally won’t help with include:
Wear and tear.
Insect or animal infestation.
Damage associated with the use of your home for business purposes.
How much is mobile home insurance?
The average cost of mobile home insurance is typically between $500 and $1,100 per year, according to American Modern Insurance Group. Foremost, another popular manufactured home insurer, puts the average cost at about $1,000 per year.
A slew of factors can affect your specific rates, including:
Where you live.
The age of your home.
The cost to replace your home.
The limits and coverage options you select.
Your claims history.
Many companies offer discounts on mobile home insurance. One of the most common is a bundling discount for buying both mobile home insurance and another policy, such as auto insurance, from the same company.
Many insurers also offer discounts for having a home security system, smoke alarms or other protective devices.
» MORE: Cost of homeownership calculator
Manufactured and mobile home insurance companies
Although mobile home insurance isn’t available from all insurers, you can get coverage through these companies, either directly or from a third-party affiliate.
Allstate offers standard coverage for your manufactured home and belongings, plus numerous ways to customize your policy. For example, extra coverage is available for valuables, sports equipment or trees and shrubs. You can save up to 5% on your annual premium if you’re the original owner of your home, and up to 10% if you’re over age 55 and retired.
Add “diminishing deductible” coverage to an American Family mobile home policy, and your chosen deductible will immediately go down by $100. It’ll continue to drop by another $100 each year you go without making a claim, up to a maximum of $500. Other available add-ons pay for damage from hidden water leaks or collisions while your manufactured home is in transit.
Focused on mobile homes since its founding in 1949, American Modern offers optional coverage for expenses due to the breakdown of an HVAC system, major appliances or electronics. You can also get assistance with identity theft recovery up to $15,000 or add coverage in case your new home is damaged between your loan closing and when you actually move in.
You can customize a manufactured home policy from Farmers with coverage for earthquakes, identity theft or water damage from backed-up sewers or drains, among other options. The company offers a bundling discount if you combine your mobile home policy with another Farmers policy such as auto, life or umbrella insurance.
Now a subsidiary of Farmers, Foremost was originally founded to insure mobile homes. It offers a wide range of extra coverage options such as identity fraud management, trip coverage while moving your home, earthquake coverage and insurance for valuables. If you’re an AARP member looking for mobile home insurance, Foremost is the third-party company that will provide it through the membership.
Geico doesn’t issue mobile or manufactured home policies itself but instead partners with third parties such as Assurant, Foremost and American Modern. If you need to file a claim or change your coverage, you’ll need to work with the partner directly, not Geico. You can add extra coverage for sports equipment or musical instruments to a standard policy.
Like Geico, Progressive works with third parties to offer mobile home insurance in most states, so you’d likely be working with an additional company for policy changes. You can add trip collision coverage to pay for damage during a move, or replacement cost coverage to ensure you can buy a brand-new home if your mobile home is destroyed.
State Farm offers several ways to save on your manufactured home insurance, including discounts for protective devices such as burglar and smoke alarms. You may also be able to save depending on how long you’ve been insured with State Farm or the age of your manufactured home. Add-on options include coverage for identity restoration and replacement cost coverage for your home and belongings so you can get brand-new stuff if yours is destroyed.
USAA — which primarily serves active military, veterans and their families — partners with Foremost to offer coverage for mobile, manufactured and tiny homes. In most states, USAA members can save up to $30 on a Foremost policy. People with modular homes should apply for a standard USAA homeowners policy.
Because rates vary among companies, make sure to compare several quotes to get the most competitive price for your mobile home insurance.