📊 Quick Facts
Average Cost
$300-$1,500
per year
vs. Traditional Home
Higher/sqft
more risk factors
Key Difference
HO-7
special policy type
Why Mobile Home Insurance Is Different
Mobile and manufactured homes require specialized policies (HO-7) because they face unique risks:
Higher Risk Factors
- • More vulnerable to wind/storms
- • Lighter construction
- • Higher fire spread risk
- • Depreciation concerns
Coverage Considerations
- • Trip collision (during transport)
- • Tie-down/anchor coverage
- • Skirting and additions
- • Detached structures (decks, sheds)
Best Mobile Home Insurance Companies
Foremost (Farmers)
Largest mobile home insurer. Specializes in manufactured housing. Excellent coverage options.
American Modern (Munich Re)
Another specialty leader. Good for older mobile homes that other insurers won't cover.
State Farm
Offers mobile home coverage in most states. Good for bundling with auto.
USAA (Military)
Excellent rates if you're eligible. Strong mobile/manufactured home program.
What Mobile Home Insurance Covers
✓ Standard Coverage
- Dwelling: The mobile home structure
- Personal property: Your belongings
- Liability: Injury/property damage claims
- Other structures: Detached buildings, fences
- Additional living expenses: Temporary housing
Optional Add-Ons
- Trip collision: Damage during transport
- Flood insurance: Separate policy needed
- Earthquake: Separate in most areas
- Scheduled items: Jewelry, electronics
- Replacement cost: vs. actual cash value
What Affects Your Premium
📍 Location
Tornado Alley and hurricane zones cost significantly more.
📅 Age of Home
Older mobile homes (pre-1976) are harder to insure and cost more.
⚓ Anchoring
Properly anchored/tied down homes qualify for discounts.
🏗️ Permanent vs. Temporary
Permanently affixed homes on owned land cost less to insure.
FAQs
Can I use regular homeowners insurance?
No. Standard HO-3 homeowners policies don't cover mobile/manufactured homes. You need an HO-7 policy designed specifically for these structures. Some insurers call it "manufactured home insurance."
What if my mobile home is in a park?
You still need your own insurance for the home and your belongings. The park's insurance only covers common areas and liability for the park itself—not your individual unit.
Will insurance cover an older mobile home?
It depends. Homes built before 1976 (before HUD codes) are difficult to insure. Specialty carriers like American Modern are more likely to cover older units. Expect higher premiums and actual cash value (not replacement cost) coverage.
The Bottom Line
Mobile home insurance requires specialized coverage (HO-7 policy). Foremost and American Modern are the leading specialists. Costs average $300-$1,500/year depending on location, age, and whether the home is anchored. For the best rates, ensure your home is properly tied down and consider higher deductibles.