Cheap mobile home insurance is usually cheap because the policy pays actual cash value on the home, carries a large wind deductible or leaves the porch and carport off; cheap manufactured home insurance that is genuinely a low price for a full policy exists, but it is found by comparing filed rates rather than by taking the lowest quote. The III's mobile home insurance guide explains that manufactured homes are written on their own policy forms, priced on the home's age, its tie-downs and foundation, and whether it sits in a park or on owned land. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
Where a cheap quote hides its price
Actual cash value on the home, which after a total loss pays the depreciated value of an aging structure; a percentage wind deductible; additions and skirting excluded; personal property at actual cash value; and minimum liability. Any of these lowers the quote and raises the bill on the day of the claim.
What lowers the price honestly
A permanent foundation and documented tie-downs, a newer roof, a monitored alarm, a deductible you could actually meet, bundling with an auto policy, and a claims-free record. These lower the premium on the same coverage.
Why carriers differ on the same home
Their age limits, their experience in your wind zone and park, and their appetite this year. The III reports that 5.5 percent of insured homes had a claim in 2022, so most policy years end with nothing paid out and the price is paid for the year something is.
Compare the filed rates
The rate pages on this site show what carriers file for manufactured home cover in your state by situation, which tells you what cheap should cost for a policy on replacement cost with the additions listed.
Questions people ask about cheap mobile home insurance
How do I get cheap mobile home insurance?
Compare filed rates on this site, then quote carriers on replacement cost with the additions listed and lower the price with tie-downs, a newer roof, a sensible deductible and bundling.
Is cheap manufactured home insurance worth it?
Only if it is a full policy at a low price; an actual cash value policy on an older home is cheap because it pays little.
Does the price include flood?
No. Flood is a separate policy for every manufactured home.