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Compare mobile home insurance
Protect your home no matter where you're parked, but insurability may vary depending which type of mobile home you have.
Updated . What changed?
Want the flexibility of a mobile home? Then you’ll need mobile home insurance to get full coverage if something goes wrong during the moving process and once you’re settled. This form of insurance covers events that normal home insurance doesn’t, like damage that can occur during transport or when water and electricity is installed at the new location.
What's in this guide?
- What is mobile home insurance?
- What does mobile home insurance cover?
- How do I get insurance for my mobile home?
- Compare mobile home insurance
- What to keep in mind when buying mobile home insurance
- Mobile homes vs manufactured homes vs modular homes
- Bottom line
- Frequently asked questions about mobile home insurance
What is mobile home insurance?
Mobile home insurance is designed to cover a manufactured, single-level home that’s regularly lived in and that’s not built on a traditional foundation. If you’re living in a mobile home, you’ll likely want to consider tailored coverage in case of an accident.
Certain specialist insurers focus on mobile home insurance. A lot of the major insurers will also cover mobile homes, but you’ll need to specify the kind of building you want covered during the policy purchase process, and it likely won’t be the same policy structure as traditional homeowners insurance.
Mobile home insurance doesn’t cover anything lived in short term, in addition to tents, caravans, camper vans, motorhomes or any dwelling that could be registered as a vehicle. For those you’d need a form of vehicle insurance.
What does mobile home insurance cover?
A few key components make up mobile home insurance, and they’re fairly similar to normal homeowners policies.
- Dwelling. Your home itself is covered by this portion of the policy. Any structural damage due to a covered incident, such as a storm or vandalism, can be claimed.
- Personal property. The contents of your home are protected under this provision. Theft or damage can usually be claimed as long as you took steps to secure your home or the damage was due to a covered event.
- Liability. A visitor getting injured on your property or in your home is stressful enough without worrying about legal costs due to a lawsuit. Get protection against being sued with liability insurance.
- Additional structures. A shed, carport, greenhouse or other structure on the property may also be covered up to a point under your policy. It’s likely the claim limit on these structures will be lower than your overall coverage amount.
How do I get insurance for my mobile home?
Finding insurance for a mobile home isn’t necessarily any harder than finding normal homeowners insurance. Several major insurers also offer mobile home policies in addition to their standard condo and homeowners insurance options.
You’ll also find specialist insurance providers that focus on mobile home insurance. Specialists may include more features and a higher amount of customizability when compared against nonspecialists.
Working with an independent insurance agent, much like you would for a traditional homeowners insurance policy, can be just as effective for finding a policy that meets all of your needs. A specialist agent can help you narrow down your options without cutting out nonspecialists that may offer what you need at a lower rate.
Compare mobile home insurance
What to keep in mind when buying mobile home insurance
Several factors are going to impact what you need when it comes to mobile home insurance. Keep the following in mind when you’re comparing quotes:
- Susceptibility to damage. Manufactured homes are notorious for being more likely to get damaged by fire, windstorms and landslides. Because of this, you may want to get more protection in the form of endorsements — add-ons that provide additional coverage.
- Availability of additional protection. What endorsements you can get and how customizable your coverage is affects your ability to get a truly tailored policy. This includes the ability to get coverage for damage that may occur during the transportation of your home.
- Mobile home insurance isn’t modular home insurance. Modular homes and unique builds like prefab container homes are built differently from mobile homes, specifically when it comes to the structure of the foundation, how they’re transported and the potential number of levels. Because of these differences, the policies are going to be categorized separately.
- Insurability varies. Older mobile homes can be significantly more expensive and harder to insure. According to the US Department of Housing and Urban Development (HUD) as of August 2019, mobile homes made before June 15, 1976 can’t be HUD standard compliant — even with modifications. Because of the unregulated structure, they’re considered riskier to insure.
Mobile homes vs manufactured homes vs modular homes
The difference between these homes mostly comes down to its construction. Mobile homes and manufactured homes are two terms for the same thing. They refer to a house that’s manufactured, not on a traditional foundation and portable. A modular home is also a prefabricated house, but it’s typically on a more traditional foundation and is designed to look like a standard house.
Here’s a simple breakdown of the construction differences:
- Mobile homes. This term technically refers to manufactured homes built before 1976. They’re now constructed in the same way as manufactured homes due to policy changes by the HUD. But, insurability is different since older mobile homes may not be up to compliance.
- Manufactured homes. These types of homes are constructed in a factory and transported to a separate location, they usually aren’t moved again. These homes are built in line with federal construction codes.
- Modular homes. These homes are built in factories also, but are built according to state building codes. These homes can be built on a permanent or temporary frame.
Getting proper coverage can mean paying more when it comes to mobile home insurance, but it’s likely worth it to protect your investment. Be sure to take your time and compare quotes to find the provider that’s going to fully meet your needs at a price you can afford.
Frequently asked questions about mobile home insurance
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