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Mobile home insurance guide

Fact-checked with HomeInsurance.com

If you’re looking for an affordable dwelling or property, a mobile home can be a good option. Not only is it cheaper than buying a traditional house, but you have the option to move the home to a new location when you’re ready for a change of scenery. 

Like regular houses, mobile homes need to have insurance. But a standard homeowners insurance policy is not an option. For this scenario, you would be looking for a mobile home insurance policy. 

What is mobile home insurance?

Mobile home insurance is a type of property insurance that covers mobile or manufactured homes. In insurance terms, it’s also called an HO-7 policy. When it comes to coverage, mobile home insurance is very similar to homeowners insurance, but there are a few key differences. Mobile homes don’t qualify for standard homeowners insurance because they come with added risks due to their construction and materials.

Do you need mobile home insurance?

Manufactured home insurance is not legally required by default, but if you have a mortgage on your mobile home, the lending company might require you to purchase coverage. Even if you fully own your property, getting mobile home insurance is a good investment.

If you don’t have insurance, you’re responsible for paying for the cost of damages, losses and liability lawsuits out-of-pocket. For example, if a wildfire or major storm passes through your neighborhood and destroys your home, you would have to foot the bill for a rebuild. If you had insurance, the insurance company would help you pay to buy a new home. 

How mobile home insurance works

After you purchase a mobile home, you should start looking for insurance companies in your area that sell mobile home insurance policies. You’ll want to purchase enough coverage to protect your home, personal belongings and personal financial assets. 

If you need to file a claim, you’ll contact the insurance company, describe the loss and provide supporting documentation to verify damages and cause of loss. Once the claim is approved, you’ll be reimbursed, minus the cost of your deductible.

For example, say someone breaks into your mobile home and steals $10,000 in personal belongings. You would notify your insurance company, provide an inventory of the items that were stolen, and after the claim is approved, you would receive a check to replace the stolen items.

Why is mobile home insurance separate from homeowners insurance?

Mobile home insurance is actually very similar to homeowners insurance. The standard home insurance policy—HO3—offers the exact same coverages. However, mobile homes have their own insurance policy because they carry certain risks that traditional homes don’t have. This is mainly due to the build of manufactured homes.

Mobile homes are designed to be movable, which means they aren’t built on a solid foundation, and the building materials usually aren’t as durable. For an insurance company, it’s riskier to insure a mobile home because there is a greater likelihood that something could get damaged. 

What’s covered by mobile home insurance? 

Standard mobile home insurance policies include a handful of valuable coverages for your home and belongings. Most insurance companies also sell endorsements, or add-on policies, which can give you extra protection in certain areas. Here’s what you’ll get with basic mobile home insurance:

  • Dwelling coverage: Covers the physical structure of your home on an open peril basis.
  • Personal property coverage: Protects the personal belongings inside your home on a named peril basis.
  • Liability coverage: Covers your legal fees and settlement costs if you get involved in a liability claim and have to go to court.
  • Loss of use coverage: Pays for hotel, food, and other living costs if your home is damaged and you have to temporarily relocate.

How much does mobile home insurance cost?

The cost of mobile home insurance depends on a number of factors related to the homeowner and the home itself. For example, your age, credit score and claims history are among the personal factors that contribute to your rate. Additionally, your zip code, the size of the home, the age of the home and the materials it’s built with are also factored into your premium.

While mobile home insurance insurance can run slightly higher than that for traditional homes of the same size, it’s important to know what you’re paying for. Since most manufactured homes are cheaper to produce and made with lesser quality materials, insurance may be the same or less overall than a traditional home of the same size. Essentially, you might be paying a similar rate to a traditional home but are insuring a lower quality, higher-risk building. 

Insurance for older mobile homes

It’s much harder to get insurance coverage if you live in an older mobile home as they tend to deteriorate faster over time than traditional houses. Homes built before 1976 did not have regulated building standards, which makes older mobile homes riskier to insure. However, there are options for insuring older mobile homes. 

Instead of shopping for coverage online, consider hiring an independent insurance agent. An agent can get quotes on your behalf and give you a wider range of policies to choose from. Another option is to look for insurance through a local provider, rather than a national company.

Who has the best mobile home insurance?

It’s important to note that not all providers in all states offer mobile home insurance, but there are major providers who do offer it. If you’re in the market for mobile home coverage, we recommend checking out Foremost Insurance. Foremost is known for offering mobile home insurance — its premier insurance product. Foremost offers all the basic coverages, plus great add-ons, like food spoilage coverage and debris removal.

If you’re looking for mobile home insurance on a budget, and don’t care about the fancy extras, we also recommend looking into Geico. Geico offers some of the lowest rates on the market, but does not offer many add-ons or discounts. 

Is mobile home insurance worth it?

Mobile home insurance is definitely worth the cost. It provides much-needed financial protection for common losses, including weather damage, fire and theft. It also covers many of the liabilities you face as a homeowner.

Mobile home insurance isn’t necessarily cheap, but it’s an important investment to make. Without coverage, you’re financially responsible for covering any losses, even if that means rebuilding your home. If you live in an area prone to any natural disasters or extreme weather, mobile home insurance is a must.

The takeaway

  • Mobile home insurance specifically covers manufactured homes.
  • It’s similar to HO-3 home insurance, but offers protections specific to manufactured homes.
  • Most mortgage lenders require mobile home owners to buy coverage.
  • Not all providers offer mobile home insurance in each state.

If you own a mobile home, purchasing mobile home insurance is a recommended best-practice. It offers valuable protection and provides peace of mind in knowing that your home and belongings are covered from common losses. 

Mobile home insurance can be more expensive, so it’s important to shop around and compare rates. If you live in an older mobile home, consider working with an independent agent to find coverage.

Elizabeth Rivelli

Elizabeth is an insurance writer for coverage.com, where she covers insurance providers and reviews policies to help consumers find comprehensive and affordable coverage for every area of their life. She has more than three years of writing experience for top online insurance and finance publications.

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