Mobile/Manufactured Home Insurance

Geo depth: Class A

Mobile and manufactured home insurance covers manufactured housing for structural damage, personal belongings, and liability, similar to a homeowners policy but underwritten differently to reflect the home's construction and, in many cases, its placement on rented or owned land.

Compare Mobile/Manufactured Home Insurance rates

What is mobile/manufactured home insurance?

Mobile and manufactured home policies cover the structure, personal belongings, and liability much like a homeowners policy, but underwriting accounts for the home's construction type and, in many cases, whether it sits on owned land, rented land in a community, or on a foundation versus a non-permanent setup.

Because manufactured homes can be more vulnerable to certain perils, like wind, depending on their tie-down/anchoring system and age, insurers often ask about anchoring, skirting, and the home's manufacture date as part of underwriting. {{VERIFY: specific HUD-code and underwriting cutoffs}}.

What affects your mobile/manufactured home insurance cost

Typical costs vary significantly by state, provider, and personal factors — {{VERIFY: national average mobile/manufactured home insurance premium not yet sourced}}. Rather than a single number, the factors below are what actually move your quote up or down.

Home's age, size, and manufacture date relative to HUD code construction standards
Whether the home is on owned land or in a rented-lot community
Anchoring/tie-down system and foundation type
Location and regional wind/weather risk
Coverage limits and deductible selected
Whether the home is a primary residence, seasonal, or rental

How to compare mobile/manufactured home insurance providers

Price is only one part of the decision. Before choosing a provider, compare each of the following side by side:

Coverage limits, and exactly what's included or excluded
Deductible options and how a higher or lower deductible changes the premium
Financial strength ratings from an independent rating agency (e.g., AM Best, S&P, Moody's) — an indicator of an insurer's ability to pay future claims
Customer service and claims-handling reputation, including complaint-ratio data where a state Department of Insurance publishes it
Available discounts and bundling options
Confirmation that the carrier is licensed to write this coverage in your state

Explore mobile/manufactured home insurance by state

Coverage requirements and licensed carriers for mobile/manufactured home insurance vary by state. Here are a few popular starting points, or browse the full state directory below.

Mobile/Manufactured Home Insurance FAQ

Is mobile home insurance different from homeowners insurance?

It's a related but distinct product — coverage categories (dwelling, personal property, liability) are similar in concept to a homeowners policy, but underwriting reflects the home's specific construction, anchoring, and land situation, which is why it isn't simply sold as a standard homeowners (HO-3) policy.

Does mobile home insurance cover the land it sits on?

Typically not — it covers the structure, belongings, and liability. If you rent your lot, land coverage generally isn't applicable, and if you own the land, it may need to be addressed separately depending on the policy.

Does the age of the home affect whether I can get coverage?

It can — older manufactured homes, particularly those built before HUD's manufactured housing construction standards took effect, can be more difficult or costly to insure. {{VERIFY: specific carrier age cutoffs}} — ask a prospective carrier directly about their underwriting guidelines for older homes.

Ready to see mobile/manufactured home insurance options?

Compare providers side by side using the factors above, then see options tailored to your state and situation.