Mobile Home Insurance

Mobile & Manufactured Home Insurance

Because mobile and manufactured homes are different than other homes, mobile home owners have different coverage requirements. While most mobile home policies only cover your home for certain specified perils, our insurance provides specialized coverage.

  • It covers most direct, sudden, and accidental incidents unless excluded in the policy.
  • It includes liability coverage for you if you're legally responsible for an accident.
  • It offers other coverage options to customize your policy.

What Does Mobile Home Insurance Cover?

Property Coverage
This covers most direct, sudden, and accidental physical losses (not specifically excluded in the policy), including:

  • Fire
  • Lightning
  • Explosion
  • Vandalism
  • Landslide
  • Falling Objects
  • Actual Burglary or Robbery
  • Water Damage from Bursting Pipes
  • Damage by Wild or Stray Animals
  • Collapse From the Weight of Ice And Snow
  • Wind or Hail Damage

Liability Insurance Coverage
If you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home this insurance covers costs like medical bills, lost wages, and property damage.

Other Included Mobile Home Insurance Coverages

  • Additional Living Expenses
  • Trees, Shrubs, Plants, and Lawns
  • Debris Removal
  • Emergency Removal Service and Emergency Repair After a Loss

Additional Coverage Options

Agreed Loss Settlement
In the unfortunate event that your home is destroyed by a covered loss, an Agreed Loss Settlement will provide the full amount of insurance that you've purchased on your home, minus any applicable deductible.

Optional Replacement Cost
Purchase this option and receive a settlement that reflects the cost to replace the damaged items with new items at today's prices. In other words, Optional Replacement Cost Insurance covers the cost to replace damaged items with new items of comparable material and quality, without any deduction for depreciation.

But Wait, There's More!
With our Mobile Home insurance policy, you can also choose additional coverage options, including:

  • Hobby Farm or Ranch Liability
  • Identity Fraud Expense and Management (with or without credit monitoring)
  • Incidental Business Liability
  • Personal Injury
  • Water Backup from Sewers and Drains
  • Earthquake Coverage
  • Trip Coverage When Moving Your Home
  • Personal Liability Coverage on Additional Residences
  • Scheduled Personal Property Coverage
  • Replacement Cost Coverage (mobile home, other structures, and personal belongings)

Let Us Help You Get The Coverage You Need

To obtain a Mobile Home insurance quote for your specific situation, contact us today, or be sure to ask for a Quick Quote.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

Mobile Home Insurance Contact Form

Have a question about mobile home insurance? Fill out the form below and we will get back to you within 24 business hours.

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Additional Coverage For Renters & Homeowners

Expanded Coverage With Umbrella Coverage

Or, be sure to read about Umbrella Coverage. With a Personal Umbrella policy, you'll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.

Discounts and Savings

You can get discounts for improvements to your home; car and home insurance policyholders can save on both policies with built-in discounts for bundling insurance, and non-smokers can get a homeowner's insurance discount, too. Contact us to learn more.