Mobile home insurance companies are a smaller set than homeowners carriers, and the question what companies insure mobile homes has a different answer in each state: some national carriers write a manufactured home form everywhere, specialty carriers write nothing else, and many carriers decline homes over a certain age or without tie-downs. 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.
The three kinds of insurance companies for mobile homes
Specialty carriers that write only manufactured and mobile homes and know the park, the tie-down and the age rules better than anyone; national carriers with a manufactured home form alongside their homeowners business; and the residual market in states where neither will write an older home. The filed rates on this site show which carriers file in your state.
What insurance companies that insure mobile homes ask
Year of manufacture, whether the home is on owned land or in a park, the foundation and tie-down system, the roof age and type, any additions or porches, and the wind zone. Older homes and homes without permanent foundations narrow the list, and some carriers write them only on actual cash value.
Finding mobile home insurance companies near me
An independent agent who writes manufactured homes knows which carriers are taking new business in your county this year and which parks they will write. The rate pages on this site show the filed rates; the agent knows the appetite. 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.
Judging a mobile home insurance company
Replacement cost or actual cash value on the home, wind and hail terms, coverage for the porch, shed and skirting, trip coverage if the home is moved, and the complaint ratio at your state insurance department.
Questions people ask about mobile home insurance companies
What companies insure mobile homes?
Specialty manufactured home carriers, several national carriers with a mobile home form, and the state residual market for older homes; the filed rates on this site show who writes your state.
Are mobile home insurance companies more expensive than homeowners carriers?
Manufactured homes are priced on their own forms and their own perils; the filed rates by state on this site show what carriers charge.
Do I need an agent?
Not always, but an independent agent who writes manufactured homes knows which carriers are taking new business on homes of your age.