Mobile Home Insurance: what it covers and what it costs

How mobile home insurance works

1. Document the home. Year, make, size, tie-downs and whether the home sits in a park or on owned land: quotes start from these facts, and photos speed underwriting.
2. Choose replacement cost or actual cash value. Older homes often quote on actual cash value, which deducts depreciation; replacement cost is available on newer homes and costs more. Each is stated on the quote.
3. Compare specialist carriers through an agent. A smaller set of carriers writes manufactured homes, and their appetite varies by state and wind zone. A licensed local agent knows which will quote yours.

What it covers, and what it does not

Policies typically cover the structure, contents, liability and extra living costs, with named-peril or open-peril forms by carrier. Flood is a separate policy, and wind coverage can carry its own deductible in coastal counties. The policy documents control; nothing here is advice or a quote.

Common questions

How much is mobile home insurance?

Published averages for manufactured homes vary widely by state and wind exposure. The state tables here carry the NAIC's homeowner averages for context, and an agent quotes the manufactured-home form itself.

Does it cover moving the home?

Transit is usually a separate short-term policy or endorsement; the standard policy covers the home at its insured location.

Do parks require insurance?

Many parks require liability cover in the lot lease, and lenders require full cover on financed homes; the lease or loan documents state the minimums.

Rates data by state