Manufactured home insurance companies write the same home on very different terms, and the question what insurance companies cover manufactured homes has a second half: on replacement cost, or on the depreciated actual cash value that leaves an older home's owner far short after a fire. The best homeowners insurance for manufactured homes is found by reading that term first. 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.
Replacement cost is the dividing line
Some manufactured homes insurance companies offer replacement cost on newer homes and actual cash value on older ones; a few offer replacement cost on any home that passes inspection. After a total loss the difference is the price of a new home against the depreciated value of the old one, and it is the first term to compare.
Foundation, tie-downs and land
Homes on a permanent foundation on owned land are written more widely and often more cheaply than homes in parks on piers; tie-down systems and skirting are checked; and an addition or attached porch needs to be listed to be covered.
Wind terms and the state
Manufactured homes carry wind exposure that carriers price by zone, with separate wind deductibles in coastal and Plains states. Flood is a separate policy for every manufactured home. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
How to compare
The rate pages on this site show which carriers file manufactured home cover in your state and at what price by situation. Quote three on the same coverage form, replacement cost terms and deductible, and check each carrier's complaint ratio with the state.
Questions people ask about manufactured home insurance companies
What insurance companies cover manufactured homes?
Specialty manufactured home carriers, national carriers with a manufactured home form, and the state residual market; the filed rates on this site show who writes your state.
What is the best homeowners insurance for manufactured homes?
The policy that pays replacement cost on your home, states the wind deductible clearly and lists the additions; this site publishes filed rates rather than a ranking.
Is a manufactured home policy the same as homeowners insurance?
It is a separate form written for the construction, priced on age, foundation and wind zone.