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Buy mobile home insurance through SelectQuote and protect your home.
Mobile home insurance differs from traditional home insurance in a few key ways. Understand the differences and protect your home with a life insurance policy today.
Mobile Home Insurance
Much like home insurance, mobile home or manufactured home insurance provides financial compensation if your home suffers damage. Whether you live in your mobile home year-round or use it as a vacation retreat, having the right coverage is essential for your peace of mind. Mobile home insurance is not a legal requirement for home ownership, but many mortgage companies and mobile home communities require it as a condition for mobile home ownership.
What is a manufactured home?
A manufactured home or mobile home is a type of housing that is built in a factory and then transported to the site of installation. These homes are designed and constructed according to federal building codes set by the U.S. Department of Housing and Urban Development (HUD). Manufactured homes are a popular housing option due to their affordability, flexibility, and relatively quick installation process. Manufactured homes typically come with all the amenities you would expect from any other home including bathrooms, kitchens, bedrooms, and living areas.
Depending on the customer's preferences, they also come with different customization options, such as roofing materials, finishes, and decorations. In many cases, these homes are placed on leased lots so they can be moved if needed, allowing individuals to enjoy homeownership at a more accessible price point.
What does mobile home insurance cover?
Mobile home insurance covers many of the same catastrophes and damages that traditional home insurance does. It may also include liability coverage that can protect you from financial loss due to injury to someone else or property damage while they are on your property. Some policies also include coverage for additional living expenses if your home becomes uninhabitable due to a covered loss.
Covered by Mobile Home Insurance | Not Covered by Mobile Home Insurance |
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Covered by Mobile Home Insurance
Dwelling coverage
Personal property coverage
Liability coverage
Loss of use/additional living expenses
Not Covered by Mobile Home Insurance
Damage that occurs during transit
Flood damage
Earthquake damage
Hurricane windstorm damage
How does mobile home insurance differ from traditional home insurance policies?
Mobile Home Insurance FAQ
Here’s a look at some of the most commonly asked inquiries related to mobile and manufactured home insurance:
What does mobile home insurance not cover?
Mobile home insurance doesn’t cover damage from risks like flooding, earthquakes, or hurricanes. It also won’t cover any damage that occurs to the home while it is being transported to your lot or build site. This type of policy typically doesn’t cover costs related to routine maintenance and repairs, such as fixing a leaky roof or replacing an old appliance, pest infestations, or damage caused by termites or rodents.
Do renters need mobile home insurance?
Like home insurance, renters insurance helps protect your personal belongings, such as furniture, electronics, clothing, and other valuables, in the event of covered perils such as fire, theft, vandalism, or certain natural disasters. Renters insurance works the same as it does for mobile homes as it does for apartments or rental houses, so it’s a good idea to purchase a policy. Some landlords may require you to have renters insurance as a condition of the lease agreement.
How much does mobile home insurance cost?
Mobile home insurance costs vary by location, size of the home, proximity to first responders, deductible levels, and more. Bundling your mobile home insurance with other coverage can help save money, as many insurance carriers offer discounts when you insure your vehicle with the same company.
Shop for mobile home insurance and save with SelectQuote.
Whether you’re in the market for a new insurance policy as a first-time mobile homeowner or want to change insurance companies for a better rate, SelectQuote can help. We partner with some of the most trusted names in the insurance industry to offer coverage for a variety of budgets and needs.
Let our agents use SelectQuote’s proprietary technology to shop for mobile home insurance from dozens of the nation’s highly trusted carriers at once, allowing you to compare rates in just minutes. We save you time and money by doing the legwork so you can focus on what truly matters—providing you with the peace of mind your mobile home is protected.
We do the shopping. You do the saving.
