Mobile Home Insurance Guide and Coverage Options

Mobile home coverage is a lot like homeowners insurance. Coverage typically extends to the dwelling, other structures, and personal property. Mobile home policies also typically carry liability coverage.

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UPDATED: Jun 28, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 28, 2022Fact Checked

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  • Mobile home insurance covers the structure itself, personal property within the home, and liability coverage
  • Mobile home insurance is often challenging to acquire because insurance companies consider certain mobile homes to have a higher risk of issues
  • Coverage for a mobile home is not required by law, but it’s a good idea to make sure you don’t have to pay for repairs or replacement out of pocket

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If you have a mobile home, you may be under the impression that insurance coverage will be under a standard homeowners insurance policy. But mobile homes require specific coverage because of how they are built and what they are designed to do.

Plenty of insurance companies offer mobile home coverage, but you may need to shop around to find affordable rates for coverage. Some companies are hesitant to provide coverage on certain mobile homes because they pose a significant risk of damage. 

To browse different homeowners coverage options at affordable rates today, just enter your ZIP code into our free online quote tool

What does mobile home insurance cover?

Mobile home insurance offers a few different types of coverage. Most mobile home insurance plans include coverage for the following:

  • Main dwelling. Protection for the walls, floors, roof, and windows of the mobile home
  • Extensions and additional structures. Coverage for sheds, garages, or porches on the same property
  • Personal property. Protection for personal property against burglary and damage
  • Personal liability. Covers medical and legal expenses associated with damages or injuries to someone else
  • Medical payments. Provides coverage for medical expenses for guests as a result of being in your home
  • Living expenses. Covers expenses of daily living if you must temporarily relocate due to damage or destruction to your mobile home

If you are interested in purchasing add-ons for mobile home coverage, you may be eligible for the following coverage options:

  • Credit card and identity theft
  • Removal of debris
  • Emergency protection or repairs
  • Landscaping
  • Food spoilage

If your mobile home is your primary residence, purchasing additional coverages for more protection may be the best option.

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Does mobile home insurance cover all perils?

Mobile home insurance policies may vary from one company to the next, but most policies include coverage for the following incidents:

  • Fire
  • Lightning
  • Smoke
  • Wind
  • Hail
  • Vandalism
  • Theft
  • Explosions
  • Riots

Similar to a homeowners insurance policy, mobile home insurance may not cover some common incidents, like:

  • Floods
  • Earthquakes 
  • Mold and rot
  • Maintenance issues
  • Damage from property neglect

Some insurance companies allow policyholders to add endorsements for certain things, like floods and earthquakes, for an additional fee. If you want these coverages on your mobile home, speak to an insurance agent to see how much it would cost to add them to your policy.

Is all mobile home coverage the same?

Similar to a homeowners insurance policy, you will find that most mobile home insurance options offer similar coverages with the opportunity to purchase add-ons for more protection. 

The primary variable that changes from one policy to the next is often the amount of coverage.

You can purchase lower or higher levels of coverage based on your unique needs, and you can also change the deductible amount of your policy. Your level of coverage and your deductible amount will impact your mobile home insurance policy’s monthly rates.

How much is mobile home insurance?

While the average cost for mobile home insurance in the U.S. is anywhere from $500 to $1,250 annually, you will never know how much you will have to pay for coverage until you get quotes from several different insurance companies. Your insurer will typically situate your personal property coverage for your mobile home between 50% to 70% of your allotted amount for dwelling coverage, Forbes reports.

You may find that your mobile home costs more to insure than you would have expected based on its age or size. This might be because many insurance companies see mobile homes as a bit of a risk since they are created as movable dwellings and are thus less durable than a traditional home. It will depend on the specifics of your provider and policy. 

If you are unhappy with the current insurance rates you have received for your mobile home, you should find and compare more insurance quotes online from different companies in your area to see whether you can get cheaper insurance elsewhere.

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Mobile Home Insurance: The Bottom Line

If you own a mobile home, you do not legally have to purchase insurance coverage. But if you live in a mobile home park or finance your mobile home, you may have to show proof of insurance.

Mobile home coverage is a lot like homeowners insurance. Coverage typically extends to the dwelling, other structures, and personal property. Mobile home policies also typically carry liability coverage.

You can shop around online to find quotes for mobile home insurance in your area. Compare quotes from several companies to see which company offers the kind of coverage you are looking for at a price that works. Enter your ZIP code into our free online quote tool to start today.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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